CB Fundamental Analysis - CHUBB LTD

Fundamental Rating

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.

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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.

Each year in the past 5 years CB had a positive operating cash flow.

1.2 Ratios

The Return On Assets of CB (3.52%) is better than 71.23% of its industry peers.

With a decent Return On Equity value of 13.25%, CB is doing good in the industry, outperforming 65.07% of the companies in the same industry.

		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

The Profit Margin of CB (16.08%) is better than 86.30% of its industry peers.

CB's Profit Margin has improved in the last couple of years.

CB has a Operating Margin of 20.19%. This is in the better half of the industry: CB outperforms 79.45% of its industry peers.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CB does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for CB has been reduced compared to 1 year ago.

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

CB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC4.83%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.32%.

The Earnings Per Share has been growing by 17.36% on average over the past years. This is quite good.

The Revenue has been growing slightly by 6.79% in the past year.

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)1.32%

EPS 3Y21.41%

EPS 5Y17.36%

EPS Q2Q%14.13%

Revenue 1Y (TTM)6.79%

Revenue growth 3Y10.91%

Revenue growth 5Y10.24%

Sales Q2Q%5.21%

3.2 Future

The Earnings Per Share is expected to grow by 2.81% on average over the next years.

Based on estimates for the next years, CB will show a small growth in Revenue. The Revenue will grow by 4.79% on average per year.

EPS Next Y-1.04%

EPS Next 2Y8.02%

EPS Next 3Y7.99%

EPS Next 5Y2.81%

Revenue Next Year4.13%

Revenue Next 2Y4.9%

Revenue Next 3Y4.79%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.63, which indicates a correct valuation of CB.

Compared to the rest of the industry, the Price/Earnings ratio of CB is on the same level as its industry peers.

Compared to an average S&P500 Price/Earnings ratio of 27.20, CB is valued rather cheaply.

CB is valuated reasonably with a Price/Forward Earnings ratio of 10.36.

Compared to the rest of the industry, the Price/Forward Earnings ratio of CB is on the same level as its industry peers.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, CB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.63
Fwd PE	10.36

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 63.01% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	7.75
EV/EBITDA	8.95

4.3 Compensation for Growth

The decent profitability rating of CB may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)0.73

EPS Next 2Y8.02%

EPS Next 3Y7.99%

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5. Dividend

5.1 Amount

CB has a Yearly Dividend Yield of 1.37%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.43, CB has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.38, CB's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.37%

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.

The dividend of CB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP15.97%

EPS Next 2Y8.02%

EPS Next 3Y7.99%

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CHUBB LTD

NYSE:CB (9/17/2025, 8:04:00 PM)

After market: 272.25 0 (0%)

272.25

+0.23 (+0.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)07-22 2025-07-22/amc

Earnings (Next)10-27 2025-10-27/amc

Inst Owners85.05%

Inst Owner Change-7.23%

Ins Owners0.59%

Ins Owner Change-6.04%

Market Cap108.54B

Analysts72.5

Price Target304.79 (11.95%)

Short Float %0.9%

Short Ratio1.78

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.37%

Yearly Dividend3.56

Dividend Growth(5Y)3.7%

DP15.97%

Div Incr Years8

Div Non Decr Years8

Ex-Date09-12 2025-09-12 (0.97)

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)0.25%

PT rev (3m)-2.41%

EPS NQ rev (1m)0.58%

EPS NQ rev (3m)-0.6%

EPS NY rev (1m)1.18%

EPS NY rev (3m)0.95%

Revenue NQ rev (1m)0.06%

Revenue NQ rev (3m)-0.93%

Revenue NY rev (1m)0.03%

Revenue NY rev (3m)-0.72%

Valuation

		Industry Rank	Sector Rank
PE	12.63
Fwd PE	10.36
P/S	1.9
P/FCF	7.75
P/OCF	7.75
P/B	1.56
P/tB	2.53
EV/EBITDA	8.95

EPS(TTM)21.56

EY7.92%

EPS(NY)26.29

Fwd EY9.66%

FCF(TTM)35.12

FCFY12.9%

OCF(TTM)35.12

OCFY12.9%

SpS143.5

BVpS174.06

TBVpS107.4

PEG (NY)N/A

PEG (5Y)0.73

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%

ROICexcg growth 3YN/A

ROICexcg 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

WACC4.83%

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)1.32%

EPS 3Y21.41%

EPS 5Y17.36%

EPS Q2Q%14.13%

EPS Next Y-1.04%

EPS Next 2Y8.02%

EPS Next 3Y7.99%

EPS Next 5Y2.81%

Revenue 1Y (TTM)6.79%

Revenue growth 3Y10.91%

Revenue growth 5Y10.24%

Sales Q2Q%5.21%

Revenue Next Year4.13%

Revenue Next 2Y4.9%

Revenue Next 3Y4.79%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens