CHUBB LTD (CB) Stock Fundamental Analysis
NYSE:CB - CH0044328745 - Common Stock
277.51 USD
-1.31 (-0.47%)
CB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. Both the profitability and the financial health of CB get a neutral evaluation. Nothing too spectacular is happening here. CB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
CB had positive earnings in the past year.
CB had a positive operating cash flow in the past year.
CB had positive earnings in each of the past 5 years.
Each year in the past 5 years CB had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.52%, CB is in the better half of the industry, outperforming 73.05% of the companies in the same industry.
CB has a better Return On Equity (13.25%) than 63.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.52% | ||
| ROE | 13.25% | ||
| ROIC | N/A |
ROA(3y)3.44%
ROA(5y)3.28%
ROE(3y)13.35%
ROE(5y)12.05%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 16.08%, CB belongs to the top of the industry, outperforming 85.82% of the companies in the same industry.
In the last couple of years the Profit Margin of CB has grown nicely.
Looking at the Operating Margin, with a value of 20.19%, CB belongs to the top of the industry, outperforming 81.56% of the companies in the same industry.
CB's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.19% | ||
| PM (TTM) | 16.08% | ||
| GM | N/A |
OM growth 3Y1.62%
OM growth 5Y5.71%
PM growth 3Y-7.27%
PM growth 5Y5.04%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CB has been reduced compared to 1 year ago.
Compared to 5 years ago, CB has less shares outstanding
CB has a better debt/assets ratio than last year.
2.2 Solvency
CB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.84%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.32%.
Measured over the past years, CB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.36% on average per year.
Looking at the last year, CB shows a small growth in Revenue. The Revenue has grown by 6.79% in the last year.
The Revenue has been growing by 10.24% on average over the past years. This is quite good.
EPS 1Y (TTM)1.32%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%14.13%
Revenue 1Y (TTM)6.79%
Revenue growth 3Y10.91%
Revenue growth 5Y10.24%
Sales Q2Q%5.21%
3.2 Future
Based on estimates for the next years, CB will show a small growth in Earnings Per Share. The EPS will grow by 2.81% on average per year.
CB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.63% yearly.
EPS Next Y-2.19%
EPS Next 2Y7.89%
EPS Next 3Y8.19%
EPS Next 5Y2.81%
Revenue Next Year4.1%
Revenue Next 2Y4.89%
Revenue Next 3Y4.63%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.87 indicates a correct valuation of CB.
CB's Price/Earnings ratio is in line with the industry average.
CB is valuated cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.58 indicates a reasonable valuation of CB.
The rest of the industry has a similar Price/Forward Earnings ratio as CB.
CB is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.91, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.87 | ||
| Fwd PE | 10.58 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CB is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CB is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.9 | ||
| EV/EBITDA | 9.17 |
4.3 Compensation for Growth
The decent profitability rating of CB may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.74
EPS Next 2Y7.89%
EPS Next 3Y8.19%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.41%, CB has a reasonable but not impressive dividend return.
CB's Dividend Yield is comparable with the industry average which is at 3.59.
Compared to an average S&P500 Dividend Yield of 2.36, CB's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
5.2 History
The dividend of CB has a limited annual growth rate of 3.70%.
CB has been paying a dividend for at least 10 years, so it has a reliable track record.
CB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)3.7%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
CB pays out 15.97% of its income as dividend. This is a sustainable payout ratio.
CB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP15.97%
EPS Next 2Y7.89%
EPS Next 3Y8.19%
NYSE:CB (8/22/2025, 3:47:06 PM)
277.51
-1.31 (-0.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners85.05%
Inst Owner Change-7.23%
Ins Owners0.59%
Ins Owner Change-3.68%
Market Cap110.64B
Analysts71.61
Price Target304.03 (9.56%)
Short Float %0.82%
Short Ratio1.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
Yearly Dividend3.56
Dividend Growth(5Y)3.7%
DP15.97%
Div Incr Years8
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.07%
Min EPS beat(2)-0.21%
Max EPS beat(2)12.34%
EPS beat(4)3
Avg EPS beat(4)7.75%
Min EPS beat(4)-0.21%
Max EPS beat(4)12.34%
EPS beat(8)6
Avg EPS beat(8)5.59%
EPS beat(12)8
Avg EPS beat(12)5.02%
EPS beat(16)12
Avg EPS beat(16)6.91%
Revenue beat(2)0
Avg Revenue beat(2)-4.88%
Min Revenue beat(2)-5.44%
Max Revenue beat(2)-4.32%
Revenue beat(4)0
Avg Revenue beat(4)-5.15%
Min Revenue beat(4)-5.86%
Max Revenue beat(4)-4.32%
Revenue beat(8)0
Avg Revenue beat(8)-3.24%
Revenue beat(12)3
Avg Revenue beat(12)1.13%
Revenue beat(16)6
Avg Revenue beat(16)3.28%
PT rev (1m)-2.65%
PT rev (3m)-2.01%
EPS NQ rev (1m)0.41%
EPS NQ rev (3m)-1.18%
EPS NY rev (1m)0%
EPS NY rev (3m)1.81%
Revenue NQ rev (1m)-0.82%
Revenue NQ rev (3m)-0.99%
Revenue NY rev (1m)-0.75%
Revenue NY rev (3m)-0.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.87 | ||
| Fwd PE | 10.58 | ||
| P/S | 1.93 | ||
| P/FCF | 7.9 | ||
| P/OCF | 7.9 | ||
| P/B | 1.59 | ||
| P/tB | 2.58 | ||
| EV/EBITDA | 9.17 |
EPS(TTM)21.56
EY7.77%
EPS(NY)26.23
Fwd EY9.45%
FCF(TTM)35.12
FCFY12.65%
OCF(TTM)35.12
OCFY12.65%
SpS143.5
BVpS174.06
TBVpS107.4
PEG (NY)N/A
PEG (5Y)0.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.52% | ||
| ROE | 13.25% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 20.19% | ||
| PM (TTM) | 16.08% | ||
| GM | N/A | ||
| FCFM | 24.47% |
ROA(3y)3.44%
ROA(5y)3.28%
ROE(3y)13.35%
ROE(5y)12.05%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)4.33%
ROCE(5y)3.92%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y1.62%
OM growth 5Y5.71%
PM growth 3Y-7.27%
PM growth 5Y5.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 18.25 | ||
| Cash Conversion | 117.99% | ||
| Profit Quality | 152.21% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC4.84%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)176.35%
Profit Quality(5y)187.36%
High Growth Momentum
Growth
EPS 1Y (TTM)1.32%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%14.13%
EPS Next Y-2.19%
EPS Next 2Y7.89%
EPS Next 3Y8.19%
EPS Next 5Y2.81%
Revenue 1Y (TTM)6.79%
Revenue growth 3Y10.91%
Revenue growth 5Y10.24%
Sales Q2Q%5.21%
Revenue Next Year4.1%
Revenue Next 2Y4.89%
Revenue Next 3Y4.63%
Revenue Next 5YN/A
EBIT growth 1Y10.03%
EBIT growth 3Y12.71%
EBIT growth 5Y16.53%
EBIT Next Year11.22%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y28.87%
FCF growth 3Y13.22%
FCF growth 5Y20.6%
OCF growth 1Y28.87%
OCF growth 3Y13.22%
OCF growth 5Y20.6%