CHUBB LTD (CB) Stock Fundamental Analysis

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

333.32 USD
+3.87 (+1.17%)
Last: Feb 5, 2026, 12:30 PM
Fundamental Rating

4

Taking everything into account, CB scores 4 out of 10 in our fundamental rating. CB was compared to 147 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 on the other hand it scores bad on growth.


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.
  • Of the past 5 years CB 4 years had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 3.58%, CB is in the better half of the industry, outperforming 72.11% of the companies in the same industry.
  • CB's Return On Equity of 13.46% is in line compared to the rest of the industry. CB outperforms 59.18% of its industry peers.
  • CB has a Return On Invested Capital of 4.37%. This is in the better half of the industry: CB outperforms 74.15% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital 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 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 82.99% 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 21.76%, CB is in the better half of the industry, outperforming 77.55% 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CB 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

  • 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's Debt to FCF ratio of 1.32 is fine compared to the rest of the industry. CB outperforms 62.59% of its industry peers.
  • A Debt/Equity ratio of 0.25 indicates that CB is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.25, CB is doing good in the industry, outperforming 63.27% 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

  • CB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.21%, which is quite good.
  • 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

  • CB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.03% yearly.
  • CB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.81% yearly.
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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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.42 indicates a correct valuation of CB.
  • The rest of the industry has a similar Price/Earnings ratio as CB.
  • CB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.25.
  • CB is valuated correctly with a Price/Forward Earnings ratio of 12.24.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CB.
  • When comparing the Price/Forward Earnings ratio of CB to the average of the S&P500 Index (27.50), we can say CB is valued rather cheaply.
Industry RankSector Rank
PE 13.42
Fwd PE 12.24
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 9.85
EV/EBITDA 10.99
CB Per share dataCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • CB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of CB may justify a higher PE ratio.
  • A cheap valuation may be justified as CB's earnings are expected to decrease with -2.86% in the coming years.
PEG (NY)1.39
PEG (5Y)0.48
EPS Next 2Y9.06%
EPS Next 3Y-2.86%

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

5

5. Dividend

5.1 Amount

  • CB has a Yearly Dividend Yield of 1.18%.
  • Compared to an average industry Dividend Yield of 2.19, CB has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.82, CB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.18%

5.2 History

  • The dividend of CB has a limited annual growth rate of 3.70%.
  • CB has been paying a dividend for at least 10 years, so it has 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.
  • 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

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CHUBB LTD

NYSE:CB (2/5/2026, 12:30:09 PM)

333.32

+3.87 (+1.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-20
Inst Owners82.56%
Inst Owner Change-1.75%
Ins Owners0.59%
Ins Owner Change-1.77%
Market Cap131.18B
Revenue(TTM)N/A
Net Income(TTM)9.68B
Analysts71.76
Price Target327.49 (-1.75%)
Short Float %1.03%
Short Ratio2.18
Dividend
Industry RankSector Rank
Dividend Yield 1.18%
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)2.35%
PT rev (3m)3.16%
EPS NQ rev (1m)3.85%
EPS NQ rev (3m)5.47%
EPS NY rev (1m)1.06%
EPS NY rev (3m)7.95%
Revenue NQ rev (1m)1.44%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)0.61%
Valuation
Industry RankSector Rank
PE 13.42
Fwd PE 12.24
P/S 2.24
P/FCF 9.85
P/OCF 9.85
P/B 1.83
P/tB 2.9
EV/EBITDA 10.99
EPS(TTM)24.83
EY7.45%
EPS(NY)27.23
Fwd EY8.17%
FCF(TTM)33.85
FCFY10.15%
OCF(TTM)33.85
OCFY10.15%
SpS148.68
BVpS182.58
TBVpS115.11
PEG (NY)1.39
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 13.42 and the Price/Book (PB) ratio is 1.83.


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%.