CHUBB LTD (CB) Fundamental Analysis & Valuation

NYSE:CB • CH0044328745

Current stock price

325.93 USD
+0.58 (+0.18%)
At close:
324.483 USD
-1.45 (-0.44%)
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

  • CB had positive earnings in the past year.
  • CB had a positive operating cash flow in the past year.
  • Each year in the past 5 years CB has been profitable.
  • In the past 5 years CB always reported a positive cash flow from operatings.
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

  • The Return On Assets of CB (3.79%) is better than 70.07% of its industry peers.
  • The Return On Equity of CB (13.98%) is better than 66.67% of its industry peers.
  • The Return On Invested Capital of CB (4.21%) is better than 65.99% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CB is significantly below the industry average of 9.36%.
  • The 3 year average ROIC (3.83%) for CB is below the current ROIC(4.21%), indicating increased profibility in the last year.
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 80.27% 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 77.55% of its industry peers.
  • In the last couple of years the Operating Margin of CB has grown nicely.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. CB Health Analysis

2.1 Basic Checks

  • CB has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • 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
  • The debt/assets ratio for CB is higher compared to a year ago.
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.
  • The Debt to FCF ratio of CB (1.38) is comparable to the rest of the industry.
  • CB has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
  • CB's Debt to Equity ratio of 0.24 is fine compared to the rest of the industry. CB outperforms 62.59% 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.
  • The Earnings Per Share has been growing by 27.74% on average over the past years. This is a very strong growth
  • CB shows a small growth in Revenue. In the last year, the Revenue has grown by 6.54%.
  • CB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.54% yearly.
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

  • CB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.81% yearly.
  • Based on estimates for the next years, CB will show a quite strong growth in Revenue. The Revenue will grow by 15.19% on average per year.
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

  • Based on the Price/Earnings ratio of 13.13, the valuation of CB can be described as correct.
  • Based on the Price/Earnings ratio, CB is valued a bit more expensive than 61.22% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.35, CB is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 11.82, the valuation of CB can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CB.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.61, CB is valued a bit cheaper.
Industry RankSector Rank
PE 13.13
Fwd PE 11.82
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

  • CB's Enterprise Value to EBITDA is on the same level as the industry average.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as CB.
Industry RankSector Rank
P/FCF 9.92
EV/EBITDA 10.31
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

  • CB has a Yearly Dividend Yield of 1.20%. Purely for dividend investing, there may be better candidates out there.
  • CB's Dividend Yield is comparable with the industry average which is at 2.50.
  • CB's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
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.
  • CB's earnings are growing slower than its dividend. 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 (3/31/2026, 5:42:02 PM)

After market: 324.483 -1.45 (-0.44%)

325.93

+0.58 (+0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-20
Inst Owners83.7%
Inst Owner Change0.98%
Ins Owners0.59%
Ins Owner Change-0.26%
Market Cap127.16B
Revenue(TTM)59.40B
Net Income(TTM)10.31B
Analysts72.94
Price Target345.02 (5.86%)
Short Float %1.12%
Short Ratio2.18
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 13.13
Fwd PE 11.82
P/S 2.14
P/FCF 9.92
P/OCF 9.92
P/B 1.72
P/tB 2.69
EV/EBITDA 10.31
EPS(TTM)24.83
EY7.62%
EPS(NY)27.58
Fwd EY8.46%
FCF(TTM)32.85
FCFY10.08%
OCF(TTM)32.85
OCFY10.08%
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.


What is the valuation status of CHUBB LTD (CB) stock?

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


What is the profitability of CB stock?

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


Can you provide the financial health for CB stock?

The financial health rating of CHUBB LTD (CB) is 3 / 10.


Can you provide the expected EPS growth for CB stock?

The Earnings per Share (EPS) of CHUBB LTD (CB) is expected to grow by 11.07% in the next year.