CHUBB LTD (CB) Fundamental Analysis & Valuation

NYSE:CB • CH0044328745

Current stock price

329.98 USD
+2.07 (+0.63%)
At close:
329.98 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.

6

1. CB Profitability Analysis

1.1 Basic Checks

  • In the past year CB was profitable.
  • In the past year CB had a positive cash flow from operations.
  • 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 67.57% of its industry peers.
  • The Return On Equity of CB (13.98%) is better than 65.54% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 4.21%, CB is in the better half of the industry, outperforming 67.57% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for CB is significantly below the industry average of 9.50%.
  • 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

  • With a decent Profit Margin value of 17.36%, CB is doing good in the industry, outperforming 78.38% of the companies in the same industry.
  • CB's Profit Margin has improved in the last couple of years.
  • CB has a Operating Margin of 22.45%. This is in the better half of the industry: CB outperforms 78.38% 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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3

2. CB Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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's Debt to FCF ratio of 1.38 is in line compared to the rest of the industry. CB outperforms 57.43% of its industry peers.
  • A Debt/Equity ratio of 0.24 indicates that CB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.24, CB is in the better half of the industry, outperforming 62.84% of the companies in the same industry.
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

  • The Earnings Per Share has grown by an nice 10.21% over the past year.
  • CB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.74% yearly.
  • CB shows a small growth in Revenue. In the last year, the Revenue has grown by 6.54%.
  • 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

  • Based on estimates for the next years, CB will show a small growth in Earnings Per Share. The EPS will grow by 1.81% on average per year.
  • The Revenue is expected to grow by 15.19% on average over the next years. This is quite good.
EPS Next Y11.19%
EPS Next 2Y9.9%
EPS Next 3Y9.94%
EPS Next 5Y1.81%
Revenue Next Year7.82%
Revenue Next 2Y6.56%
Revenue Next 3Y15.19%
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 accelerating: in the next years the growth will be better than in the last years.
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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5

4. CB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.29, CB is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of CB indicates a slightly more expensive valuation: CB is more expensive than 62.16% of the companies listed in the same industry.
  • CB is valuated cheaply when we compare the Price/Earnings ratio to 27.18, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 11.95 indicates a reasonable valuation of CB.
  • CB's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of CB to the average of the S&P500 Index (37.96), we can say CB is valued rather cheaply.
Industry RankSector Rank
PE 13.29
Fwd PE 11.95
CB Price Earnings VS Forward Price EarningsCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • CB's Enterprise Value to EBITDA ratio is in line with the industry average.
  • CB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10
EV/EBITDA 10.35
CB Per share dataCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of CB may justify a higher PE ratio.
PEG (NY)1.19
PEG (5Y)0.48
EPS Next 2Y9.9%
EPS Next 3Y9.94%

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 1.17%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.44, CB has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.82, CB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.17%

5.2 History

  • The dividend of CB has a limited annual growth rate of 4.33%.
  • CB has paid a dividend for at least 10 years, which is 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)4.33%
Div Incr Years9
Div Non Decr Years9
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 2Y9.9%
EPS Next 3Y9.94%
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 (4/13/2026, 8:12:45 PM)

After market: 329.98 0 (0%)

329.98

+2.07 (+0.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-21
Inst Owners83.94%
Inst Owner Change-0.02%
Ins Owners0.65%
Ins Owner Change-0.26%
Market Cap128.19B
Revenue(TTM)59.40B
Net Income(TTM)10.31B
Analysts72.94
Price Target345.11 (4.59%)
Short Float %1.12%
Short Ratio2.18
Dividend
Industry RankSector Rank
Dividend Yield 1.17%
Yearly Dividend3.8
Dividend Growth(5Y)4.33%
DP14.6%
Div Incr Years9
Div Non Decr Years9
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)0.65%
PT rev (3m)9%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)0.27%
EPS NY rev (1m)0.11%
EPS NY rev (3m)1.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.62%
Valuation
Industry RankSector Rank
PE 13.29
Fwd PE 11.95
P/S 2.16
P/FCF 10
P/OCF 10
P/B 1.74
P/tB 2.71
EV/EBITDA 10.35
EPS(TTM)24.83
EY7.52%
EPS(NY)27.61
Fwd EY8.37%
FCF(TTM)32.99
FCFY10%
OCF(TTM)32.99
OCFY10%
SpS152.9
BVpS189.86
TBVpS121.78
PEG (NY)1.19
PEG (5Y)0.48
Graham Number325.68
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 Y11.19%
EPS Next 2Y9.9%
EPS Next 3Y9.94%
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 5 / 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 6 / 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 11.19% in the next year.