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CHUBB LTD (CB) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:CB - CH0044328745 - Common Stock

312.12 USD
-2.02 (-0.64%)
Last: 12/31/2025, 8:04:00 PM
312.11 USD
-0.01 (0%)
After Hours: 12/31/2025, 8:04:00 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to CB. CB was compared to 148 industry peers in the Insurance industry. CB has only an average score on both its financial health and profitability. CB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

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.
Each year in the past 5 years CB has been profitable.
CB had a positive operating cash flow in each 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

The Return On Assets of CB (3.58%) is better than 71.62% of its industry peers.
CB has a Return On Equity of 13.46%. This is comparable to the rest of the industry: CB outperforms 58.78% of its industry peers.
With a decent Return On Invested Capital value of 4.37%, CB is doing good in the industry, outperforming 73.65% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for CB is significantly below the industry average of 14.88%.
The 3 year average ROIC (3.86%) for CB is below the current ROIC(4.37%), indicating increased profibility in the last year.
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

CB has a Profit Margin of 16.54%. This is amongst the best in the industry. CB outperforms 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 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

4

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.
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.
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

CB has a debt to FCF ratio of 1.32. This is a very positive value and a sign of high solvency as it would only need 1.32 years to pay back of all of its debts.
CB has a Debt to FCF ratio of 1.32. This is in the better half of the industry: CB outperforms 62.84% of its industry peers.
CB has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.25, CB is doing good in the industry, outperforming 62.84% 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
WACC4.8%
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

4

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.
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

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 4.90% on average over the next years.
EPS Next Y8.88%
EPS Next 2Y9.71%
EPS Next 3Y9.53%
EPS Next 5Y2.81%
Revenue Next Year4.38%
Revenue Next 2Y4.88%
Revenue Next 3Y4.9%
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.
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

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.38, the valuation of CB can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as CB.
CB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.51.
A Price/Forward Earnings ratio of 11.51 indicates a reasonable valuation of CB.
The rest of the industry has a similar Price/Forward Earnings ratio as CB.
CB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.38
Fwd PE 11.51
CB Price Earnings VS Forward Price EarningsCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

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 9.22
EV/EBITDA 10.53
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.
PEG (NY)1.51
PEG (5Y)0.77
EPS Next 2Y9.71%
EPS Next 3Y9.53%

5

5. Dividend

5.1 Amount

CB has a Yearly Dividend Yield of 1.24%.
CB's Dividend Yield is comparable with the industry average which is at 2.42.
CB's Dividend Yield is slightly below the S&P500 average, which is at 2.00.
Industry RankSector Rank
Dividend Yield 1.24%

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
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

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 2Y9.71%
EPS Next 3Y9.53%
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

CHUBB LTD

NYSE:CB (12/31/2025, 8:04:00 PM)

After market: 312.11 -0.01 (0%)

312.12

-2.02 (-0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-21 2025-10-21/amc
Earnings (Next)01-26 2026-01-26/amc
Inst Owners82.58%
Inst Owner Change0.93%
Ins Owners0.6%
Ins Owner Change-1.89%
Market Cap122.83B
Revenue(TTM)58.51B
Net Income(TTM)9.68B
Analysts72.12
Price Target316.63 (1.44%)
Short Float %0.97%
Short Ratio1.87
Dividend
Industry RankSector Rank
Dividend Yield 1.24%
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)0.76%
PT rev (3m)3.88%
EPS NQ rev (1m)0.62%
EPS NQ rev (3m)1.75%
EPS NY rev (1m)0.46%
EPS NY rev (3m)9.98%
Revenue NQ rev (1m)0.2%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)0.24%
Valuation
Industry RankSector Rank
PE 13.38
Fwd PE 11.51
P/S 2.1
P/FCF 9.22
P/OCF 9.22
P/B 1.71
P/tB 2.71
EV/EBITDA 10.53
EPS(TTM)23.33
EY7.47%
EPS(NY)27.12
Fwd EY8.69%
FCF(TTM)33.85
FCFY10.84%
OCF(TTM)33.85
OCFY10.84%
SpS148.68
BVpS182.58
TBVpS115.11
PEG (NY)1.51
PEG (5Y)0.77
Graham Number309.58
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
WACC4.8%
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)5.8%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%30.94%
EPS Next Y8.88%
EPS Next 2Y9.71%
EPS Next 3Y9.53%
EPS Next 5Y2.81%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y10.91%
Revenue growth 5Y10.24%
Sales Q2Q%5.35%
Revenue Next Year4.38%
Revenue Next 2Y4.88%
Revenue Next 3Y4.9%
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 5 / 10 to CB.


Can you provide the valuation status for CHUBB LTD?

ChartMill assigns a valuation rating of 4 / 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 13.38 and the Price/Book (PB) ratio is 1.71.


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%.