CHUBB LTD (CB) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:CB • CH0044328745

330.97 USD
-0.31 (-0.09%)
At close: Feb 6, 2026
330.97 USD
0 (0%)
After Hours: 2/6/2026, 8:21:24 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

CB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. CB has a medium profitability rating, but doesn't score so well on its financial health evaluation. CB has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year CB was profitable.
  • CB had a positive operating cash flow in the past year.
  • CB had positive earnings in 4 of the past 5 years.
  • CB had a positive operating cash flow in 4 of the past 5 years.
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 5B 10B 15B

1.2 Ratios

  • CB's Return On Assets of 3.58% is fine compared to the rest of the industry. CB outperforms 72.48% of its industry peers.
  • CB's Return On Equity of 13.46% is in line compared to the rest of the industry. CB outperforms 59.73% of its industry peers.
  • With a decent Return On Invested Capital value of 4.37%, CB is doing good in the industry, outperforming 73.83% of the companies in the same industry.
  • CB had an Average Return On Invested Capital over the past 3 years of 3.86%. This is significantly below the industry average of 14.88%.
  • The last Return On Invested Capital (4.37%) for CB is above the 3 year average (3.86%), which is a sign of increasing profitability.
Industry RankSector 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%
CB Yearly ROA, ROE, ROICCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With an excellent Profit Margin value of 16.54%, CB belongs to the best of the industry, outperforming 83.89% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CB has grown nicely.
  • CB's Operating Margin of 21.76% is fine compared to the rest of the industry. CB outperforms 77.85% of its industry peers.
  • In the last couple of years the Operating Margin of CB has grown nicely.
Industry RankSector 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
CB Yearly Profit, Operating, Gross MarginsCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

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.
  • 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.
CB Yearly Shares OutstandingCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 50B 100B 150B 200B

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 63.09% of the companies in the same industry.
  • CB has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.25, CB is in the better half of the industry, outperforming 63.76% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.32
Altman-Z N/A
ROIC/WACC0.91
WACC4.81%
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 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 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 10.21% over the past year.
  • Measured over the past years, CB shows a very strong growth in Earnings Per Share. The EPS has been growing by 27.74% on average per year.
EPS 1Y (TTM)10.21%
EPS 3Y17.67%
EPS 5Y27.74%
EPS Q2Q%24.92%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%46.18%

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 1.03% on average per year.
  • The Revenue is expected to grow by 4.81% on average over the next years.
EPS Next Y9.65%
EPS Next 2Y9.06%
EPS Next 3Y-2.86%
EPS Next 5Y1.03%
Revenue Next Year4.97%
Revenue Next 2Y4.81%
Revenue Next 3YN/A
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.
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 10B 20B 30B 40B 50B
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 5 10 15 20 25

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.33, the valuation of CB can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as CB.
  • The average S&P500 Price/Earnings ratio is at 27.93. CB is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 12.16 indicates a correct valuation of CB.
  • CB's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.77, CB is valued rather cheaply.
Industry RankSector Rank
PE 13.33
Fwd PE 12.16
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 9.78
EV/EBITDA 11.04
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.
  • CB has a very decent profitability rating, which may justify a higher PE ratio.
  • CB's earnings are expected to decrease with -2.86% in the coming years. This may justify a cheaper valuation.
PEG (NY)1.38
PEG (5Y)0.48
EPS Next 2Y9.06%
EPS Next 3Y-2.86%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • CB has a Yearly Dividend Yield of 1.17%. Purely for dividend investing, there may be better candidates out there.
  • CB's Dividend Yield is comparable with the industry average which is at 2.28.
  • CB's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.17%

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.
  • 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
CB Yearly Dividends per shareCB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

  • 15.38% 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.
DP15.38%
EPS Next 2Y9.06%
EPS Next 3Y-2.86%
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 5B 10B 15B
CB Dividend Payout.CB Dividend Payout, showing the Payout Ratio.CB Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

CHUBB LTD

NYSE:CB (2/6/2026, 8:21:24 PM)

After market: 330.97 0 (0%)

330.97

-0.31 (-0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-20
Inst Owners82.56%
Inst Owner Change-1.23%
Ins Owners0.59%
Ins Owner Change-1.77%
Market Cap130.25B
Revenue(TTM)N/A
Net Income(TTM)9.68B
Analysts71.76
Price Target327.49 (-1.05%)
Short Float %1.03%
Short Ratio2.18
Dividend
Industry RankSector Rank
Dividend Yield 1.17%
Yearly Dividend3.56
Dividend Growth(5Y)3.7%
DP15.38%
Div Incr Years8
Div Non Decr Years8
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.01%
Min EPS beat(2)-0.21%
Max EPS beat(2)18.24%
EPS beat(4)3
Avg EPS beat(4)9.46%
Min EPS beat(4)-0.21%
Max EPS beat(4)18.24%
EPS beat(8)6
Avg EPS beat(8)6.83%
EPS beat(12)8
Avg EPS beat(12)4.99%
EPS beat(16)12
Avg EPS beat(16)6.88%
Revenue beat(2)0
Avg Revenue beat(2)-3.49%
Min Revenue beat(2)-4.32%
Max Revenue beat(2)-2.66%
Revenue beat(4)0
Avg Revenue beat(4)-4.57%
Min Revenue beat(4)-5.86%
Max Revenue beat(4)-2.66%
Revenue beat(8)0
Avg Revenue beat(8)-3.24%
Revenue beat(12)2
Avg Revenue beat(12)0.28%
Revenue beat(16)5
Avg Revenue beat(16)2.2%
PT rev (1m)3.43%
PT rev (3m)4.25%
EPS NQ rev (1m)4.17%
EPS NQ rev (3m)4.62%
EPS NY rev (1m)1.66%
EPS NY rev (3m)8.59%
Revenue NQ rev (1m)1.44%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)0.61%
Valuation
Industry RankSector Rank
PE 13.33
Fwd PE 12.16
P/S 2.23
P/FCF 9.78
P/OCF 9.78
P/B 1.81
P/tB 2.88
EV/EBITDA 11.04
EPS(TTM)24.83
EY7.5%
EPS(NY)27.23
Fwd EY8.23%
FCF(TTM)33.85
FCFY10.23%
OCF(TTM)33.85
OCFY10.23%
SpS148.68
BVpS182.58
TBVpS115.11
PEG (NY)1.38
PEG (5Y)0.48
Graham Number319.38
Profitability
Industry RankSector Rank
ROA 3.58%
ROE 13.46%
ROCE 4.91%
ROIC 4.37%
ROICexc 4.41%
ROICexgc 6.15%
OM 21.76%
PM (TTM) 16.54%
GM N/A
FCFM 22.77%
ROA(3y)3.44%
ROA(5y)3.28%
ROE(3y)13.35%
ROE(5y)12.05%
ROIC(3y)3.86%
ROIC(5y)3.49%
ROICexc(3y)3.9%
ROICexc(5y)3.53%
ROICexgc(3y)5.6%
ROICexgc(5y)5.06%
ROCE(3y)4.33%
ROCE(5y)3.92%
ROICexgc growth 3Y1.27%
ROICexgc growth 5Y7.11%
ROICexc growth 3Y2.52%
ROICexc growth 5Y7.66%
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-Score5
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.32
Debt/EBITDA 1.35
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 19.96
Cash Conversion 102.15%
Profit Quality 137.69%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC4.81%
ROIC/WACC0.91
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)10.21%
EPS 3Y17.67%
EPS 5Y27.74%
EPS Q2Q%24.92%
EPS Next Y9.65%
EPS Next 2Y9.06%
EPS Next 3Y-2.86%
EPS Next 5Y1.03%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%46.18%
Revenue Next Year4.97%
Revenue Next 2Y4.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y17.08%
EBIT growth 3Y12.71%
EBIT growth 5Y16.53%
EBIT Next Year11.22%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y9.98%
FCF growth 3Y13.22%
FCF growth 5Y20.6%
OCF growth 1Y9.98%
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 4 / 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 13.33 and the Price/Book (PB) ratio is 1.81.


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%.