CHUBB LTD (CB) Fundamental Analysis & Valuation

NYSE:CB • CH0044328745

Current stock price

332.64 USD
+5.24 (+1.6%)
At close:
332.64 USD
0 (0%)
After Hours:

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

6

1. CB Profitability Analysis

1.1 Basic Checks

  • In the past year CB was profitable.
  • CB had a positive operating cash flow in the past year.
  • In the past 5 years CB has always been profitable.
  • Each year in the past 5 years CB 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 has a Return On Assets of 3.79%. This is in the better half of the industry: CB outperforms 70.27% of its industry peers.
  • CB has a better Return On Equity (13.98%) than 66.89% of its industry peers.
  • With a decent Return On Invested Capital value of 4.21%, CB is doing good in the industry, outperforming 67.57% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for CB is significantly below the industry average of 9.46%.
  • The 3 year average ROIC (3.83%) for CB is below the current ROIC(4.21%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.79%
ROE 13.98%
ROIC 4.21%
ROA(3y)3.82%
ROA(5y)3.67%
ROE(3y)14.54%
ROE(5y)13.66%
ROIC(3y)3.83%
ROIC(5y)3.68%
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 better Profit Margin (17.36%) than 79.73% of its industry peers.
  • CB's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 22.45%, CB is doing good in the industry, outperforming 78.38% of the companies in the same industry.
  • CB's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 22.45%
PM (TTM) 17.36%
GM N/A
OM growth 3Y8.66%
OM growth 5Y15.98%
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

3

2. CB Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CB is destroying value.
  • The number of shares outstanding for CB has been reduced compared to 1 year ago.
  • The number of shares outstanding for CB has been reduced compared to 5 years ago.
  • Compared to 1 year ago, CB has a worse debt to assets ratio.
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 1.38. This is a very positive value and a sign of high solvency as it would only need 1.38 years to pay back of all of its debts.
  • The Debt to FCF ratio of CB (1.38) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.24 indicates that CB is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.24, CB is doing good in the industry, outperforming 62.84% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.38
Altman-Z N/A
ROIC/WACC0.88
WACC4.76%
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 2025 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.
  • The Earnings Per Share has been growing by 27.74% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 6.54% in the past year.
  • CB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.54% yearly.
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 Y11.07%
EPS Next 2Y9.74%
EPS Next 3Y10.05%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better 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 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 10 20 30

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4

4. CB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.40 indicates a correct valuation of CB.
  • Based on the Price/Earnings ratio, CB is valued a bit more expensive than the industry average as 60.81% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 26.91. CB is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 12.06, CB is valued correctly.
  • CB's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 23.69. CB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.4
Fwd PE 12.06
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

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as CB.
  • CB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.13
EV/EBITDA 10.52
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.
PEG (NY)1.21
PEG (5Y)0.48
EPS Next 2Y9.74%
EPS Next 3Y10.05%

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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 1.22%.
  • Compared to an average industry Dividend Yield of 2.55, CB has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.89, CB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.22%

5.2 History

  • The dividend of CB has a limited annual growth rate of 4.33%.
  • CB has been paying a dividend for at least 10 years, so it has 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)4.33%
Div Incr Years9
Div Non Decr Years9
CB Yearly Dividends per shareCB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • CB pays out 14.60% 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.
DP14.6%
EPS Next 2Y9.74%
EPS Next 3Y10.05%
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 (4/8/2026, 8:19:55 PM)

After market: 332.64 0 (0%)

332.64

+5.24 (+1.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-21
Inst Owners83.7%
Inst Owner Change0%
Ins Owners0.59%
Ins Owner Change-0.26%
Market Cap129.78B
Revenue(TTM)59.40B
Net Income(TTM)10.31B
Analysts72.94
Price Target345.02 (3.72%)
Short Float %1.12%
Short Ratio2.18
Dividend
Industry RankSector Rank
Dividend Yield 1.22%
Yearly Dividend3.8
Dividend Growth(5Y)4.33%
DP14.6%
Div Incr Years9
Div Non Decr Years9
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.99%
Min EPS beat(2)7.75%
Max EPS beat(2)18.24%
EPS beat(4)3
Avg EPS beat(4)9.53%
Min EPS beat(4)-0.21%
Max EPS beat(4)18.24%
EPS beat(8)6
Avg EPS beat(8)7.18%
EPS beat(12)9
Avg EPS beat(12)6.26%
EPS beat(16)12
Avg EPS beat(16)6.59%
Revenue beat(2)0
Avg Revenue beat(2)-2.47%
Min Revenue beat(2)-2.66%
Max Revenue beat(2)-2.27%
Revenue beat(4)0
Avg Revenue beat(4)-3.67%
Min Revenue beat(4)-5.44%
Max Revenue beat(4)-2.27%
Revenue beat(8)0
Avg Revenue beat(8)-3.42%
Revenue beat(12)1
Avg Revenue beat(12)-1.6%
Revenue beat(16)4
Avg Revenue beat(16)0.91%
PT rev (1m)0.62%
PT rev (3m)8.97%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)0.35%
EPS NY rev (1m)1.29%
EPS NY rev (3m)1.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.62%
Valuation
Industry RankSector Rank
PE 13.4
Fwd PE 12.06
P/S 2.18
P/FCF 10.13
P/OCF 10.13
P/B 1.76
P/tB 2.74
EV/EBITDA 10.52
EPS(TTM)24.83
EY7.46%
EPS(NY)27.58
Fwd EY8.29%
FCF(TTM)32.85
FCFY9.87%
OCF(TTM)32.85
OCFY9.87%
SpS152.25
BVpS189.04
TBVpS121.26
PEG (NY)1.21
PEG (5Y)0.48
Graham Number324.98
Profitability
Industry RankSector Rank
ROA 3.79%
ROE 13.98%
ROCE 5.11%
ROIC 4.21%
ROICexc 4.25%
ROICexgc 5.8%
OM 22.45%
PM (TTM) 17.36%
GM N/A
FCFM 21.58%
ROA(3y)3.82%
ROA(5y)3.67%
ROE(3y)14.54%
ROE(5y)13.66%
ROIC(3y)3.83%
ROIC(5y)3.68%
ROICexc(3y)3.87%
ROICexc(5y)3.72%
ROICexgc(3y)5.37%
ROICexgc(5y)5.28%
ROCE(3y)4.65%
ROCE(5y)4.46%
ROICexgc growth 3Y3.62%
ROICexgc growth 5Y16.73%
ROICexc growth 3Y7.42%
ROICexc growth 5Y17.54%
OM growth 3Y8.66%
OM growth 5Y15.98%
PM growth 3Y12.55%
PM growth 5Y12.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.38
Debt/EBITDA 1.29
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 20.52
Cash Conversion 93.99%
Profit Quality 124.31%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC4.76%
ROIC/WACC0.88
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)146.25%
Profit Quality(5y)156.83%
High Growth Momentum
Growth
EPS 1Y (TTM)10.21%
EPS 3Y17.67%
EPS 5Y27.74%
EPS Q2Q%24.92%
EPS Next Y11.07%
EPS Next 2Y9.74%
EPS Next 3Y10.05%
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 1Y17.9%
EBIT growth 3Y20.92%
EBIT growth 5Y28.2%
EBIT Next Year7.98%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-20.8%
FCF growth 3Y4.42%
FCF growth 5Y5.55%
OCF growth 1Y-20.8%
OCF growth 3Y4.42%
OCF growth 5Y5.55%

CHUBB LTD / CB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CHUBB LTD?

ChartMill assigns a fundamental rating of 5 / 10 to CB.


What is the valuation status of CHUBB LTD (CB) stock?

ChartMill assigns a valuation rating of 4 / 10 to CHUBB LTD (CB). This can be considered as Fairly Valued.


What is the profitability of CB stock?

CHUBB LTD (CB) has a profitability rating of 6 / 10.


Can you provide the financial health for CB stock?

The financial health rating of CHUBB LTD (CB) is 3 / 10.


Can you provide the expected EPS growth for CB stock?

The Earnings per Share (EPS) of CHUBB LTD (CB) is expected to grow by 11.07% in the next year.