CHUBB LTD (CB) Stock Fundamental Analysis
USA - NYSE:CB - CH0044328745 - Common Stock
285.65 USD
+7.4 (+2.66%)
285.65 USD
0 (0%)
Overall CB gets a fundamental rating of 5 out of 10. We evaluated CB against 146 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CB was profitable.
In the past year CB had a positive cash flow from operations.
In the past 5 years CB has always been profitable.
In the past 5 years CB always reported a positive cash flow from operatings.
1.2 Ratios
CB has a Return On Assets of 3.52%. This is in the better half of the industry: CB outperforms 71.92% of its industry peers.
CB has a better Return On Equity (13.25%) than 62.33% 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
CB has a Profit Margin of 16.08%. This is amongst the best in the industry. CB outperforms 84.93% of its industry peers.
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 is in the better half of the industry, outperforming 79.45% 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.
Compared to 1 year ago, CB has less shares outstanding
The number of shares outstanding for CB has been reduced compared to 5 years ago.
The debt/assets ratio for CB has been reduced compared to a year ago.
2.2 Solvency
There is no outstanding debt for CB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 5.80% over the past year.
CB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.36% yearly.
Looking at the last year, CB shows a small growth in Revenue. The Revenue has grown by 7.22% 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)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
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.
The Revenue is expected to grow by 4.75% on average over the next years.
EPS Next Y1.93%
EPS Next 2Y8.14%
EPS Next 3Y8.12%
EPS Next 5Y2.81%
Revenue Next Year4.08%
Revenue Next 2Y4.88%
Revenue Next 3Y4.75%
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.
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
Based on the Price/Earnings ratio of 12.24, the valuation of CB can be described as correct.
CB's Price/Earnings is on the same level as the industry average.
CB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.03.
Based on the Price/Forward Earnings ratio of 10.84, the valuation of CB can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as CB.
CB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.24 | ||
| Fwd PE | 10.84 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as CB.
Based on the Price/Free Cash Flow ratio, CB is valued a bit cheaper than the industry average as 60.27% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.13 | ||
| EV/EBITDA | 9.15 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CB does not grow enough to justify the current Price/Earnings ratio.
The decent profitability rating of CB may justify a higher PE ratio.
PEG (NY)6.35
PEG (5Y)0.71
EPS Next 2Y8.14%
EPS Next 3Y8.12%
5. Dividend
5.1 Amount
CB has a Yearly Dividend Yield of 1.40%.
CB's Dividend Yield is comparable with the industry average which is at 3.27.
With a Dividend Yield of 1.40, CB pays less dividend than the S&P500 average, which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
5.2 History
The dividend of CB has a limited annual growth rate of 3.70%.
CB has paid a dividend for at least 10 years, which is 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 15.97% 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 2Y8.14%
EPS Next 3Y8.12%
285.65
+7.4 (+2.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners84.21%
Inst Owner Change-1.19%
Ins Owners0.59%
Ins Owner Change-6%
Market Cap113.89B
Revenue(TTM)58.51B
Net Income(TTM)9.20B
Analysts72.5
Price Target314.14 (9.97%)
Short Float %0.62%
Short Ratio1.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
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)3.07%
PT rev (3m)0.59%
EPS NQ rev (1m)11.1%
EPS NQ rev (3m)13.83%
EPS NY rev (1m)2.96%
EPS NY rev (3m)4.21%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)-0.49%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.24 | ||
| Fwd PE | 10.84 | ||
| P/S | 1.99 | ||
| P/FCF | 8.13 | ||
| P/OCF | 8.13 | ||
| P/B | 1.64 | ||
| P/tB | 2.66 | ||
| EV/EBITDA | 9.15 |
EPS(TTM)23.33
EY8.17%
EPS(NY)26.35
Fwd EY9.22%
FCF(TTM)35.12
FCFY12.29%
OCF(TTM)35.12
OCFY12.29%
SpS143.5
BVpS174.06
TBVpS107.4
PEG (NY)6.35
PEG (5Y)0.71
Graham Number302.27
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%
ROICexgc growth 3YN/A
ROICexgc 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
WACC4.79%
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)5.8%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%30.94%
EPS Next Y1.93%
EPS Next 2Y8.14%
EPS Next 3Y8.12%
EPS Next 5Y2.81%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y10.91%
Revenue growth 5Y10.24%
Sales Q2Q%5.35%
Revenue Next Year4.08%
Revenue Next 2Y4.88%
Revenue Next 3Y4.75%
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%
CHUBB LTD / CB 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 for CB stock?
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 12.24 and the Price/Book (PB) ratio is 1.64.
What is the financial health of CHUBB LTD (CB) stock?
The financial health rating of CHUBB LTD (CB) is 5 / 10.