CHUBB LTD (CB) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:CB • CH0044328745
308.82 USD
+2.65 (+0.87%)
Last: Jan 30, 2026, 03:50 PM
CB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. CB has only an average score on both its financial health and profitability. CB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- CB had positive earnings in the past year.
- In the past year CB had a positive cash flow from operations.
- In the past 5 years CB has always been profitable.
- CB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a decent Return On Assets value of 3.58%, CB is doing good in the industry, outperforming 72.30% of the companies in the same industry.
- CB has a Return On Equity (13.46%) which is comparable to the rest of the industry.
- The Return On Invested Capital of CB (4.37%) is better than 74.32% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for CB is significantly below the industry average of 14.94%.
- The 3 year average ROIC (3.86%) for CB is below the current ROIC(4.37%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 13.46% | ||
| ROIC | 4.37% |
ROA(3y)3.44%
ROA(5y)3.28%
ROE(3y)13.35%
ROE(5y)12.05%
ROIC(3y)3.86%
ROIC(5y)3.49%
1.3 Margins
- The Profit Margin of CB (16.54%) is better than 83.78% of its industry peers.
- CB's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 21.76%, CB is in the better half of the industry, outperforming 77.70% of the companies in the same industry.
- In the last couple of years the Operating Margin of CB has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.76% | ||
| PM (TTM) | 16.54% | ||
| 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
- 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 better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of CB is 1.32, which is an excellent value as it means it would take CB, only 1.32 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.32, CB is in the better half of the industry, outperforming 62.84% of the companies in the same industry.
- A Debt/Equity ratio of 0.25 indicates that CB is not too dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.25, CB is doing good in the industry, outperforming 63.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.32 | ||
| Altman-Z | N/A |
ROIC/WACC0.91
WACC4.8%
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 5.80%.
- CB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.36% yearly.
- CB shows a small growth in Revenue. In the last year, the Revenue has grown by 7.22%.
- Measured over the past years, CB shows a quite strong growth in Revenue. The Revenue has been growing by 10.24% on average per year.
EPS 1Y (TTM)5.8%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%30.94%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y10.91%
Revenue growth 5Y10.24%
Sales Q2Q%5.35%
3.2 Future
- CB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.81% yearly.
- The Revenue is expected to grow by 4.78% on average over the next years.
EPS Next Y10.03%
EPS Next 2Y9.74%
EPS Next 3Y9.55%
EPS Next 5Y2.81%
Revenue Next Year4.72%
Revenue Next 2Y4.84%
Revenue Next 3Y4.78%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 13.24, which indicates a correct valuation of CB.
- CB's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of CB to the average of the S&P500 Index (28.39), we can say CB is valued rather cheaply.
- CB is valuated reasonably with a Price/Forward Earnings ratio of 11.38.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CB is on the same level as its industry peers.
- CB is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.24 | ||
| Fwd PE | 11.38 |
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.
- CB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.12 | ||
| EV/EBITDA | 10.29 |
4.3 Compensation for Growth
- CB's 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)1.32
PEG (5Y)0.76
EPS Next 2Y9.74%
EPS Next 3Y9.55%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.29%, CB has a reasonable but not impressive dividend return.
- CB's Dividend Yield is comparable with the industry average which is at 2.41.
- CB's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.29% |
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.
- As CB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)3.7%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
- CB pays out 15.38% 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.
DP15.38%
EPS Next 2Y9.74%
EPS Next 3Y9.55%
CHUBB LTD / CB 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 5 / 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 6 / 10.
Can you provide the PE and PB ratios for CB stock?
The Price/Earnings (PE) ratio for CHUBB LTD (CB) is 13.24 and the Price/Book (PB) ratio is 1.69.
Is the dividend of CHUBB LTD sustainable?
The dividend rating of CHUBB LTD (CB) is 5 / 10 and the dividend payout ratio is 15.38%.