CHUBB LTD (CB) Stock Fundamental Analysis

NYSE:CB • CH0044328745

340.86 USD
+2.94 (+0.87%)
At close: Feb 27, 2026
340.86 USD
0 (0%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, CB scores 5 out of 10 in our fundamental rating. CB was compared to 150 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 decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • CB had positive earnings in the past year.
  • CB had a positive operating cash flow in the past year.
  • Each year in the past 5 years CB has been profitable.
  • 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 72.00% of its industry peers.
  • CB has a Return On Equity (13.46%) which is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 4.05%, CB is in the better half of the industry, outperforming 68.67% of the companies in the same industry.
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

  • CB has a Profit Margin of 16.54%. This is amongst the best in the industry. CB outperforms 83.33% of its industry peers.
  • CB's Profit Margin has improved in the last couple of years.
  • CB has a better Operating Margin (21.76%) than 76.67% of its industry peers.
  • 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 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. 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.
  • 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

  • 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.
  • The Debt to FCF ratio of CB (1.32) is better than 62.67% 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 63.33% 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 10.21% over the past year.
  • 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.
  • Measured over the past years, CB shows a quite strong growth in Revenue. The Revenue has been growing by 10.54% on average per year.
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.
  • Based on estimates for the next years, CB will show a quite strong growth in Revenue. The Revenue will grow by 15.19% on average per year.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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

4

4. Valuation

4.1 Price/Earnings Ratio

  • CB is valuated correctly with a Price/Earnings ratio of 13.73.
  • The rest of the industry has a similar Price/Earnings ratio as CB.
  • Compared to an average S&P500 Price/Earnings ratio of 27.10, CB is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 12.52 indicates a correct valuation of CB.
  • CB's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. CB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.73
Fwd PE 12.52
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 10.01
EV/EBITDA 11.27
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.
  • CB has a very decent profitability rating, which 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)1.42
PEG (5Y)0.49
EPS Next 2Y9.06%
EPS Next 3Y-2.86%

More info and screens

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

5

5. Dividend

5.1 Amount

  • CB has a Yearly Dividend Yield of 1.15%.
  • Compared to an average industry Dividend Yield of 2.53, CB has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.83, CB is paying slightly less dividend.
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

  • 15.38% of the earnings are spent on dividend by CB. This is a low number and 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 2025 5B 10B 15B
CB Dividend Payout.CB Dividend Payout, showing the Payout Ratio.CB Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CHUBB LTD

NYSE:CB (2/27/2026, 8:04:00 PM)

After market: 340.86 0 (0%)

340.86

+2.94 (+0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-20
Inst Owners82.56%
Inst Owner Change0.95%
Ins Owners0.59%
Ins Owner Change-3.25%
Market Cap133.31B
Revenue(TTM)59.40B
Net Income(TTM)9.68B
Analysts72.94
Price Target342.89 (0.6%)
Short Float %1.02%
Short Ratio1.99
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)5.8%
PT rev (3m)9.12%
EPS NQ rev (1m)0.31%
EPS NQ rev (3m)4.82%
EPS NY rev (1m)0.34%
EPS NY rev (3m)0.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)2.69%
Revenue NY rev (3m)3.09%
Valuation
Industry RankSector Rank
PE 13.73
Fwd PE 12.52
P/S 2.28
P/FCF 10.01
P/OCF 10.01
P/B 1.86
P/tB 2.94
EV/EBITDA 11.27
EPS(TTM)24.83
EY7.28%
EPS(NY)27.23
Fwd EY7.99%
FCF(TTM)34.06
FCFY9.99%
OCF(TTM)34.06
OCFY9.99%
SpS149.61
BVpS183.73
TBVpS115.83
PEG (NY)1.42
PEG (5Y)0.49
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 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 13.73 and the Price/Book (PB) ratio is 1.86.


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%.