CB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 148 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 has a correct valuation and a medium growth rate.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
In the past 5 years CB always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 3.58%, CB is in the better half of the industry, outperforming 72.30% of the companies in the same industry.
CB has a Return On Equity of 13.46%. This is comparable to the rest of the industry: CB outperforms 59.46% of its industry peers.
The Return On Invested Capital of CB (4.37%) is better than 74.32% of its industry peers.
The Average Return On Invested Capital over the past 3 years 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

CB has a better Profit Margin (16.54%) than 83.78% of its industry peers.
In the last couple of years the Profit Margin of CB has grown nicely.
The Operating Margin of CB (21.76%) is better than 77.70% of its industry peers.
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CB is destroying value.
The number of shares outstanding for CB has been reduced compared to 1 year ago.
CB has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CB has an improved debt to assets ratio.

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.
With a decent Debt to FCF ratio value of 1.32, CB is doing good in 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.
CB's Debt to Equity ratio of 0.25 is fine compared to the rest of the industry. CB outperforms 63.51% of its industry peers.

		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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 5.80% over the past year.
Measured over the past years, CB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.36% on average per year.
Looking at the last year, CB shows a small growth in Revenue. The Revenue has grown by 7.22% in the last 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)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.
Based on estimates for the next years, CB will show a small growth in Revenue. The Revenue will grow by 4.78% on average per year.

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.27, CB is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of CB is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 28.30. CB is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 11.41, the valuation of CB can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CB is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of CB to the average of the S&P500 Index (25.57), we can say CB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.27
Fwd PE	11.41

4.2 Price Multiples

CB's Enterprise Value to EBITDA is on the same level as the industry average.
CB's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	9.15
EV/EBITDA	10.29

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.

PEG (NY)1.32

PEG (5Y)0.76

EPS Next 2Y9.74%

EPS Next 3Y9.55%

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5. Dividend

5.1 Amount

CB has a Yearly Dividend Yield of 1.29%.
Compared to an average industry Dividend Yield of 2.41, CB has a dividend in line with its industry peers.
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 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

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%

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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 13.27 and the Price/Book (PB) ratio is 1.7.

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%.