CHUBB LTD (CB)
CH0044328745 - Common Stock
Overall CB gets a fundamental rating of 5 out of 10. We evaluated CB against 140 industry peers in the Insurance industry. While CB has a great profitability rating, there are some minor concerns on its financial health. CB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
CB had positive earnings in the past year.
In the past year CB had a positive cash flow from operations.
In the past 5 years CB has always been profitable.
CB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CB has a Return On Assets of 3.99%. This is in the better half of the industry: CB outperforms 76.26% of its industry peers.
With a decent Return On Equity value of 15.20%, CB is doing good in the industry, outperforming 64.03% of the companies in the same industry.
CB has a better Return On Invested Capital (3.95%) than 74.82% of its industry peers.
CB had an Average Return On Invested Capital over the past 3 years of 3.70%. This is in line with the industry average of 4.27%.
The 3 year average ROIC (3.70%) for CB is below the current ROIC(3.95%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.99% | ||
| ROE | 15.2% | ||
| ROIC | 3.95% |
ROA(3y)3.62%
ROA(5y)3.04%
ROE(3y)13.33%
ROE(5y)10.8%
ROIC(3y)3.7%
ROIC(5y)3.18%
1.3 Margins
With an excellent Profit Margin value of 18.32%, CB belongs to the best of the industry, outperforming 84.17% of the companies in the same industry.
CB's Profit Margin has improved in the last couple of years.
The Operating Margin of CB (19.93%) is better than 79.14% of its industry peers.
CB's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.93% | ||
| PM (TTM) | 18.32% | ||
| GM | N/A |
OM growth 3Y23.23%
OM growth 5Y4.69%
PM growth 3Y22.75%
PM growth 5Y8.46%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CB is destroying value.
Compared to 1 year ago, CB has less shares outstanding
CB has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CB has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of CB is 1.11, which is an excellent value as it means it would take CB, only 1.11 years of fcf income to pay off all of its debts.
CB has a Debt to FCF ratio of 1.11. This is in the better half of the industry: CB outperforms 62.59% 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.
The Debt to Equity ratio of CB (0.25) is better than 66.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.11 | ||
| Altman-Z | N/A |
ROIC/WACC0.81
WACC4.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.18%, which is quite impressive.
CB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.97% yearly.
CB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.22%.
Measured over the past years, CB shows a quite strong growth in Revenue. The Revenue has been growing by 8.70% on average per year.
EPS 1Y (TTM)25.18%
EPS 3Y39.51%
EPS 5Y15.97%
EPS Q2Q%49.82%
Revenue 1Y (TTM)15.22%
Revenue growth 3Y11.38%
Revenue growth 5Y8.7%
Sales Q2Q%N/A
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 3.53% on average per year.
The Revenue is expected to grow by 5.06% on average over the next years.
EPS Next Y13.19%
EPS Next 2Y10.77%
EPS Next 3Y9.93%
EPS Next 5Y3.53%
Revenue Next Year8.21%
Revenue Next 2Y7.42%
Revenue Next 3Y7.46%
Revenue Next 5Y5.06%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
CB is valuated reasonably with a Price/Earnings ratio of 11.51.
61.87% of the companies in the same industry are more expensive than CB, based on the Price/Earnings ratio.
CB is valuated cheaply when we compare the Price/Earnings ratio to 28.96, which is the current average of the S&P500 Index.
CB is valuated reasonably with a Price/Forward Earnings ratio of 11.75.
CB's Price/Forward Earnings ratio is in line with the industry average.
CB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.82, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.51 | ||
| Fwd PE | 11.75 |
4.2 Price Multiples
CB's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CB is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.78 | ||
| EV/EBITDA | 11.36 |
4.3 Compensation for Growth
CB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CB has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.87
PEG (5Y)0.72
EPS Next 2Y10.77%
EPS Next 3Y9.93%
5. Dividend
5.1 Amount
CB has a Yearly Dividend Yield of 1.27%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.25, CB has a dividend in line with its industry peers.
With a Dividend Yield of 1.27, CB pays less dividend than the S&P500 average, which is at 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
5.2 History
The dividend of CB has a limited annual growth rate of 3.25%.
CB has paid a dividend for at least 10 years, which is 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)3.25%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
CB pays out 14.19% of its income as dividend. This is a sustainable payout ratio.
The dividend of CB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP14.19%
EPS Next 2Y10.77%
EPS Next 3Y9.93%
CHUBB LTD
NYSE:CB (11/22/2024, 11:15:04 AM)
285.686
+0.58 (+0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap115.16B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.51 | ||
| Fwd PE | 11.75 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.87
PEG (5Y)0.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.99% | ||
| ROE | 15.2% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 19.93% | ||
| PM (TTM) | 18.32% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)25.18%
EPS 3Y39.51%
EPS 5Y
EPS Q2Q%
EPS Next Y13.19%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)15.22%
Revenue growth 3Y11.38%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y