CHUBB LTD (CB) Fundamental Analysis & Valuation

NYSE:CB • CH0044328745

Current stock price

326.37 USD
+3.79 (+1.17%)
At close:
326.37 USD
0 (0%)
After Hours:

This CB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. CB Profitability Analysis

1.1 Basic Checks

  • In the past year CB was profitable.
  • CB had a positive operating cash flow in the past year.
  • In the past 5 years CB has always been profitable.
  • Each year in the past 5 years CB had a positive operating cash flow.
CB Yearly Net Income VS EBIT VS OCF VS FCFCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

1.2 Ratios

  • CB's Return On Assets of 3.79% is fine compared to the rest of the industry. CB outperforms 70.27% of its industry peers.
  • The Return On Equity of CB (13.98%) is better than 66.89% of its industry peers.
  • With a decent Return On Invested Capital value of 4.21%, CB is doing good in the industry, outperforming 66.22% of the companies in the same industry.
  • CB had an Average Return On Invested Capital over the past 3 years of 3.83%. This is significantly below the industry average of 9.34%.
  • The last Return On Invested Capital (4.21%) for CB is above the 3 year average (3.83%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.79%
ROE 13.98%
ROIC 4.21%
ROA(3y)3.82%
ROA(5y)3.67%
ROE(3y)14.54%
ROE(5y)13.66%
ROIC(3y)3.83%
ROIC(5y)3.68%
CB Yearly ROA, ROE, ROICCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • CB's Profit Margin of 17.36% is amongst the best of the industry. CB outperforms 81.08% of its industry peers.
  • In the last couple of years the Profit Margin of CB has grown nicely.
  • CB has a Operating Margin of 22.45%. This is in the better half of the industry: CB outperforms 77.70% of its industry peers.
  • CB's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 22.45%
PM (TTM) 17.36%
GM N/A
OM growth 3Y8.66%
OM growth 5Y15.98%
PM growth 3Y12.55%
PM growth 5Y12.08%
GM growth 3YN/A
GM growth 5YN/A
CB Yearly Profit, Operating, Gross MarginsCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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3

2. CB Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CB is destroying value.
  • CB has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CB has less shares outstanding
  • CB has a worse debt/assets ratio than last year.
CB Yearly Shares OutstandingCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
CB Yearly Total Debt VS Total AssetsCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B 250B

2.2 Solvency

  • CB has a debt to FCF ratio of 1.38. This is a very positive value and a sign of high solvency as it would only need 1.38 years to pay back of all of its debts.
  • CB has a Debt to FCF ratio (1.38) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.24 indicates that CB is not too dependend on debt financing.
  • The Debt to Equity ratio of CB (0.24) is better than 62.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.38
Altman-Z N/A
ROIC/WACC0.88
WACC4.76%
CB Yearly LT Debt VS Equity VS FCFCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CB Yearly Current Assets VS Current LiabilitesCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. CB Growth Analysis

3.1 Past

  • CB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.21%, which is quite good.
  • Measured over the past years, CB shows a very strong growth in Earnings Per Share. The EPS has been growing by 27.74% on average per year.
  • Looking at the last year, CB shows a small growth in Revenue. The Revenue has grown by 6.54% in the last year.
  • Measured over the past years, CB shows a quite strong growth in Revenue. The Revenue has been growing by 10.54% on average per year.
EPS 1Y (TTM)10.21%
EPS 3Y17.67%
EPS 5Y27.74%
EPS Q2Q%24.92%
Revenue 1Y (TTM)6.54%
Revenue growth 3Y11.29%
Revenue growth 5Y10.54%
Sales Q2Q%7.74%

3.2 Future

  • The Earnings Per Share is expected to grow by 1.81% on average over the next years.
  • CB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.19% yearly.
EPS Next Y11.07%
EPS Next 2Y9.74%
EPS Next 3Y10.05%
EPS Next 5Y1.81%
Revenue Next Year7.82%
Revenue Next 2Y6.56%
Revenue Next 3Y15.19%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CB Yearly Revenue VS EstimatesCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B
CB Yearly EPS VS EstimatesCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10 20 30

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4

4. CB Valuation Analysis

4.1 Price/Earnings Ratio

  • CB is valuated correctly with a Price/Earnings ratio of 13.14.
  • Based on the Price/Earnings ratio, CB is valued a bit more expensive than the industry average as 60.81% of the companies are valued more cheaply.
  • CB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.54.
  • A Price/Forward Earnings ratio of 11.83 indicates a reasonable valuation of CB.
  • CB's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 22.70. CB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.14
Fwd PE 11.83
CB Price Earnings VS Forward Price EarningsCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as CB.
  • CB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 9.94
EV/EBITDA 10.34
CB Per share dataCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • CB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • CB has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.19
PEG (5Y)0.47
EPS Next 2Y9.74%
EPS Next 3Y10.05%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. CB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.20%, CB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.84, CB has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.89, CB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.2%

5.2 History

  • The dividend of CB has a limited annual growth rate of 4.33%.
  • CB has been paying a dividend for at least 10 years, so it has a reliable track record.
  • As CB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)4.33%
Div Incr Years8
Div Non Decr Years8
CB Yearly Dividends per shareCB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 14.60% of the earnings are spent on dividend by CB. This is a low number and sustainable payout ratio.
  • The dividend of CB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP14.6%
EPS Next 2Y9.74%
EPS Next 3Y10.05%
CB Yearly Income VS Free CF VS DividendCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
CB Dividend Payout.CB Dividend Payout, showing the Payout Ratio.CB Dividend Payout.PayoutRetained Earnings

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CB Fundamentals: All Metrics, Ratios and Statistics

CHUBB LTD

NYSE:CB (3/23/2026, 8:04:00 PM)

After market: 326.37 0 (0%)

326.37

+3.79 (+1.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-20
Inst Owners83.7%
Inst Owner Change0.97%
Ins Owners0.59%
Ins Owner Change-0.26%
Market Cap127.34B
Revenue(TTM)59.40B
Net Income(TTM)10.31B
Analysts72.94
Price Target342.89 (5.06%)
Short Float %1.18%
Short Ratio2.35
Dividend
Industry RankSector Rank
Dividend Yield 1.2%
Yearly Dividend3.8
Dividend Growth(5Y)4.33%
DP14.6%
Div Incr Years8
Div Non Decr Years8
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.99%
Min EPS beat(2)7.75%
Max EPS beat(2)18.24%
EPS beat(4)3
Avg EPS beat(4)9.53%
Min EPS beat(4)-0.21%
Max EPS beat(4)18.24%
EPS beat(8)6
Avg EPS beat(8)7.18%
EPS beat(12)9
Avg EPS beat(12)6.26%
EPS beat(16)12
Avg EPS beat(16)6.59%
Revenue beat(2)0
Avg Revenue beat(2)-2.47%
Min Revenue beat(2)-2.66%
Max Revenue beat(2)-2.27%
Revenue beat(4)0
Avg Revenue beat(4)-3.67%
Min Revenue beat(4)-5.44%
Max Revenue beat(4)-2.27%
Revenue beat(8)0
Avg Revenue beat(8)-3.42%
Revenue beat(12)1
Avg Revenue beat(12)-1.6%
Revenue beat(16)4
Avg Revenue beat(16)0.91%
PT rev (1m)4.7%
PT rev (3m)8.29%
EPS NQ rev (1m)0.35%
EPS NQ rev (3m)0.28%
EPS NY rev (1m)1.29%
EPS NY rev (3m)1.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.31%
Revenue NY rev (1m)2.69%
Revenue NY rev (3m)2.62%
Valuation
Industry RankSector Rank
PE 13.14
Fwd PE 11.83
P/S 2.14
P/FCF 9.94
P/OCF 9.94
P/B 1.73
P/tB 2.69
EV/EBITDA 10.34
EPS(TTM)24.83
EY7.61%
EPS(NY)27.58
Fwd EY8.45%
FCF(TTM)32.85
FCFY10.06%
OCF(TTM)32.85
OCFY10.06%
SpS152.25
BVpS189.04
TBVpS121.26
PEG (NY)1.19
PEG (5Y)0.47
Graham Number324.98
Profitability
Industry RankSector Rank
ROA 3.79%
ROE 13.98%
ROCE 5.11%
ROIC 4.21%
ROICexc 4.25%
ROICexgc 5.8%
OM 22.45%
PM (TTM) 17.36%
GM N/A
FCFM 21.58%
ROA(3y)3.82%
ROA(5y)3.67%
ROE(3y)14.54%
ROE(5y)13.66%
ROIC(3y)3.83%
ROIC(5y)3.68%
ROICexc(3y)3.87%
ROICexc(5y)3.72%
ROICexgc(3y)5.37%
ROICexgc(5y)5.28%
ROCE(3y)4.65%
ROCE(5y)4.46%
ROICexgc growth 3Y3.62%
ROICexgc growth 5Y16.73%
ROICexc growth 3Y7.42%
ROICexc growth 5Y17.54%
OM growth 3Y8.66%
OM growth 5Y15.98%
PM growth 3Y12.55%
PM growth 5Y12.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.38
Debt/EBITDA 1.29
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 20.52
Cash Conversion 93.99%
Profit Quality 124.31%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC4.76%
ROIC/WACC0.88
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)146.25%
Profit Quality(5y)156.83%
High Growth Momentum
Growth
EPS 1Y (TTM)10.21%
EPS 3Y17.67%
EPS 5Y27.74%
EPS Q2Q%24.92%
EPS Next Y11.07%
EPS Next 2Y9.74%
EPS Next 3Y10.05%
EPS Next 5Y1.81%
Revenue 1Y (TTM)6.54%
Revenue growth 3Y11.29%
Revenue growth 5Y10.54%
Sales Q2Q%7.74%
Revenue Next Year7.82%
Revenue Next 2Y6.56%
Revenue Next 3Y15.19%
Revenue Next 5YN/A
EBIT growth 1Y17.9%
EBIT growth 3Y20.92%
EBIT growth 5Y28.2%
EBIT Next Year7.98%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-20.8%
FCF growth 3Y4.42%
FCF growth 5Y5.55%
OCF growth 1Y-20.8%
OCF growth 3Y4.42%
OCF growth 5Y5.55%

CHUBB LTD / CB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CHUBB LTD?

ChartMill assigns a fundamental rating of 5 / 10 to CB.


Can you provide the valuation status for CHUBB LTD?

ChartMill assigns a valuation rating of 4 / 10 to CHUBB LTD (CB). This can be considered as Fairly Valued.


Can you provide the profitability details for CHUBB LTD?

CHUBB LTD (CB) has a profitability rating of 7 / 10.


Can you provide the PE and PB ratios for CB stock?

The Price/Earnings (PE) ratio for CHUBB LTD (CB) is 13.14 and the Price/Book (PB) ratio is 1.73.


Is the dividend of CHUBB LTD sustainable?

The dividend rating of CHUBB LTD (CB) is 5 / 10 and the dividend payout ratio is 14.6%.