CHUBB LTD (CB) Fundamental Analysis & Valuation

NYSE:CB • CH0044328745

322.76 USD
-2.48 (-0.76%)
At close: Mar 11, 2026
323.2 USD
+0.44 (+0.14%)
After Hours: 3/11/2026, 7:42:28 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Overall CB gets a fundamental rating of 5 out of 10. We evaluated CB against 149 industry peers in the Insurance industry. CB has only an average score on both its financial health and profitability. CB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

1. CB Profitability Analysis

1.1 Basic Checks

  • In the past year CB was profitable.
  • In the past year CB had a positive cash flow from operations.
  • CB had positive earnings in each 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 2025 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 70.47% of its industry peers.
  • With a decent Return On Equity value of 13.46%, CB is doing good in the industry, outperforming 65.10% of the companies in the same industry.
  • CB has a Return On Invested Capital of 4.05%. This is in the better half of the industry: CB outperforms 67.11% of its industry peers.
Industry RankSector Rank
ROA 3.58%
ROE 13.46%
ROIC 4.05%
ROA(3y)3.82%
ROA(5y)3.67%
ROE(3y)14.54%
ROE(5y)13.66%
ROIC(3y)N/A
ROIC(5y)N/A
CB Yearly ROA, ROE, ROICCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With an excellent Profit Margin value of 16.54%, CB belongs to the best of the industry, outperforming 81.88% of the companies in the same industry.
  • 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 75.84% of the companies in the same industry.
  • CB's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 21.76%
PM (TTM) 16.54%
GM N/A
OM growth 3Y11.74%
OM growth 5Y17.94%
PM growth 3Y12.55%
PM growth 5Y12.08%
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 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. CB Health Analysis

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.
  • CB has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for CB has been reduced compared to 5 years ago.
  • CB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CB Yearly Shares OutstandingCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 50B 100B 150B 200B 250B

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.
  • CB has a better Debt to FCF ratio (1.32) than 60.40% 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.
  • Looking at the Debt to Equity ratio, with a value of 0.25, CB is in the better half of the industry, outperforming 63.09% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.32
Altman-Z N/A
ROIC/WACC0.84
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 2025 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

6

3. CB Growth Analysis

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.
  • CB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.74% yearly.
  • The Revenue has been growing slightly by 6.54% in the past year.
  • The Revenue has been growing by 10.54% on average over the past years. This is quite good.
EPS 1Y (TTM)10.21%
EPS 3Y17.67%
EPS 5Y27.74%
EPS Q2Q%24.92%
Revenue 1Y (TTM)6.54%
Revenue growth 3Y11.29%
Revenue growth 5Y10.54%
Sales Q2Q%7.74%

3.2 Future

  • CB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.81% yearly.
  • CB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.19% yearly.
EPS Next Y9.65%
EPS Next 2Y9.06%
EPS Next 3Y-2.86%
EPS Next 5Y1.81%
Revenue Next Year7.82%
Revenue Next 2Y6.56%
Revenue Next 3Y15.19%
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 accelerating.
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 2028 20B 40B 60B
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. CB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.00 indicates a correct valuation of CB.
  • The rest of the industry has a similar Price/Earnings ratio as CB.
  • CB is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 11.85, the valuation of CB can be described as very reasonable.
  • CB's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of CB to the average of the S&P500 Index (24.27), we can say CB is valued rather cheaply.
Industry RankSector Rank
PE 13
Fwd PE 11.85
CB Price Earnings VS Forward Price EarningsCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CB is on the same level as its industry peers.
  • CB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.48
EV/EBITDA 10.8
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.
  • The decent profitability rating of CB 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)1.35
PEG (5Y)0.47
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. CB Dividend Analysis

5.1 Amount

  • CB has a Yearly Dividend Yield of 1.15%.
  • Compared to an average industry Dividend Yield of 2.87, 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 RankSector Rank
Dividend Yield 1.15%

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.
  • CB's earnings are growing slower than its dividend. 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 2025 5B 10B 15B
CB Dividend Payout.CB Dividend Payout, showing the Payout Ratio.CB Dividend Payout.PayoutRetained Earnings

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CB Fundamentals: All Metrics, Ratios and Statistics

CHUBB LTD

NYSE:CB (3/11/2026, 7:42:28 PM)

After market: 323.2 +0.44 (+0.14%)

322.76

-2.48 (-0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-20
Inst Owners82.56%
Inst Owner Change0.98%
Ins Owners0.59%
Ins Owner Change-0.15%
Market Cap126.23B
Revenue(TTM)59.40B
Net Income(TTM)9.68B
Analysts72.94
Price Target342.89 (6.24%)
Short Float %1.01%
Short Ratio2.13
Dividend
Industry RankSector Rank
Dividend Yield 1.15%
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)4.7%
PT rev (3m)8.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.82%
EPS NY rev (1m)0%
EPS NY rev (3m)0.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)2.69%
Revenue NY rev (3m)2.73%
Valuation
Industry RankSector Rank
PE 13
Fwd PE 11.85
P/S 2.16
P/FCF 9.48
P/OCF 9.48
P/B 1.76
P/tB 2.79
EV/EBITDA 10.8
EPS(TTM)24.83
EY7.69%
EPS(NY)27.23
Fwd EY8.44%
FCF(TTM)34.06
FCFY10.55%
OCF(TTM)34.06
OCFY10.55%
SpS149.61
BVpS183.73
TBVpS115.83
PEG (NY)1.35
PEG (5Y)0.47
Graham Number320.38
Profitability
Industry RankSector Rank
ROA 3.58%
ROE 13.46%
ROCE 4.91%
ROIC 4.05%
ROICexc 4.08%
ROICexgc 5.7%
OM 21.76%
PM (TTM) 16.54%
GM N/A
FCFM 22.77%
ROA(3y)3.82%
ROA(5y)3.67%
ROE(3y)14.54%
ROE(5y)13.66%
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)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y11.74%
OM growth 5Y17.94%
PM growth 3Y12.55%
PM growth 5Y12.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
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-Score6
WACC4.81%
ROIC/WACC0.84
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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 5Y1.81%
Revenue 1Y (TTM)6.54%
Revenue growth 3Y11.29%
Revenue growth 5Y10.54%
Sales Q2Q%7.74%
Revenue Next Year7.82%
Revenue Next 2Y6.56%
Revenue Next 3Y15.19%
Revenue Next 5YN/A
EBIT growth 1Y17.08%
EBIT growth 3Y24.36%
EBIT growth 5Y30.37%
EBIT Next Year7.98%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-10.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-10.01%
OCF growth 3YN/A
OCF growth 5YN/A

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 and the Price/Book (PB) ratio is 1.76.


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%.