Logo image of CB

CHUBB LTD (CB) Stock Fundamental Analysis

USA - NYSE:CB - CH0044328745 - Common Stock

269.26 USD
+1.06 (+0.4%)
Last: 10/21/2025, 8:04:00 PM
270.75 USD
+1.49 (+0.55%)
After Hours: 10/21/2025, 8:04:00 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to CB. CB was compared to 147 industry peers in the Insurance industry. CB has an average financial health and profitability rating. CB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

6

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

1.2 Ratios

CB has a Return On Assets of 3.52%. This is in the better half of the industry: CB outperforms 71.43% of its industry peers.
CB has a Return On Equity of 13.25%. This is in the better half of the industry: CB outperforms 64.63% of its industry peers.
Industry RankSector Rank
ROA 3.52%
ROE 13.25%
ROIC N/A
ROA(3y)3.44%
ROA(5y)3.28%
ROE(3y)13.35%
ROE(5y)12.05%
ROIC(3y)N/A
ROIC(5y)N/A
CB Yearly ROA, ROE, ROICCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

CB's Profit Margin of 16.08% is amongst the best of the industry. CB outperforms 85.71% of its industry peers.
CB's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 20.19%, CB is in the better half of the industry, outperforming 79.59% of the companies in the same industry.
CB's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 20.19%
PM (TTM) 16.08%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

More info and screens

5

2. Health

2.1 Basic Checks

CB does not have a ROIC to compare to the WACC, probably because it is not profitable.
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.
CB Yearly Shares OutstandingCB Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

CB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC4.78%
CB Yearly LT Debt VS Equity VS FCFCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

More info and screens

4

3. Growth

3.1 Past

CB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.32%.
The Earnings Per Share has been growing by 17.36% on average over the past years. This is quite good.
Looking at the last year, CB shows a small growth in Revenue. The Revenue has grown by 6.79% in the last year.
CB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.24% yearly.
EPS 1Y (TTM)1.32%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%14.13%
Revenue 1Y (TTM)6.79%
Revenue growth 3Y10.91%
Revenue growth 5Y10.24%
Sales Q2Q%5.21%

3.2 Future

The Earnings Per Share is expected to grow by 2.81% on average over the next years.
The Revenue is expected to grow by 4.79% on average over the next years.
EPS Next Y-1.01%
EPS Next 2Y8.09%
EPS Next 3Y8.11%
EPS Next 5Y2.81%
Revenue Next Year4.13%
Revenue Next 2Y4.9%
Revenue Next 3Y4.79%
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 decreasing.
CB Yearly Revenue VS EstimatesCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15 20 25

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.49, the valuation of CB can be described as correct.
CB's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of CB to the average of the S&P500 Index (27.77), we can say CB is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.23, the valuation of CB can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as CB.
The average S&P500 Price/Forward Earnings ratio is at 23.23. CB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.49
Fwd PE 10.23
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

CB's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, CB is valued a bit cheaper than 63.27% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.67
EV/EBITDA 8.81
CB Per share dataCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

CB has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.72
EPS Next 2Y8.09%
EPS Next 3Y8.11%

More info and screens

5

5. Dividend

5.1 Amount

CB has a Yearly Dividend Yield of 1.45%. Purely for dividend investing, there may be better candidates out there.
CB's Dividend Yield is comparable with the industry average which is at 3.31.
CB's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
Industry RankSector Rank
Dividend Yield 1.45%

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.
CB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)3.7%
Div Incr Years8
Div Non Decr Years8
CB Yearly Dividends per shareCB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

15.97% of the earnings are spent on dividend by CB. This is a low number and sustainable payout ratio.
CB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP15.97%
EPS Next 2Y8.09%
EPS Next 3Y8.11%
CB Yearly Income VS Free CF VS DividendCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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

More info and screens

CHUBB LTD

NYSE:CB (10/21/2025, 8:04:00 PM)

After market: 270.75 +1.49 (+0.55%)

269.26

+1.06 (+0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners84.21%
Inst Owner Change0.02%
Ins Owners0.59%
Ins Owner Change-6%
Market Cap107.35B
Analysts72.5
Price Target305.82 (13.58%)
Short Float %0.8%
Short Ratio1.52
Dividend
Industry RankSector Rank
Dividend Yield 1.45%
Yearly Dividend3.56
Dividend Growth(5Y)3.7%
DP15.97%
Div Incr Years8
Div Non Decr Years8
Ex-Date09-12 2025-09-12 (0.97)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.07%
Min EPS beat(2)-0.21%
Max EPS beat(2)12.34%
EPS beat(4)3
Avg EPS beat(4)7.75%
Min EPS beat(4)-0.21%
Max EPS beat(4)12.34%
EPS beat(8)6
Avg EPS beat(8)5.59%
EPS beat(12)8
Avg EPS beat(12)5.02%
EPS beat(16)12
Avg EPS beat(16)6.91%
Revenue beat(2)0
Avg Revenue beat(2)-4.88%
Min Revenue beat(2)-5.44%
Max Revenue beat(2)-4.32%
Revenue beat(4)0
Avg Revenue beat(4)-5.15%
Min Revenue beat(4)-5.86%
Max Revenue beat(4)-4.32%
Revenue beat(8)0
Avg Revenue beat(8)-3.24%
Revenue beat(12)3
Avg Revenue beat(12)1.13%
Revenue beat(16)6
Avg Revenue beat(16)3.28%
PT rev (1m)0.34%
PT rev (3m)-2.08%
EPS NQ rev (1m)11.86%
EPS NQ rev (3m)12.97%
EPS NY rev (1m)0%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.72%
Valuation
Industry RankSector Rank
PE 12.49
Fwd PE 10.23
P/S 1.88
P/FCF 7.67
P/OCF 7.67
P/B 1.55
P/tB 2.51
EV/EBITDA 8.81
EPS(TTM)21.56
EY8.01%
EPS(NY)26.32
Fwd EY9.78%
FCF(TTM)35.12
FCFY13.04%
OCF(TTM)35.12
OCFY13.04%
SpS143.5
BVpS174.06
TBVpS107.4
PEG (NY)N/A
PEG (5Y)0.72
Profitability
Industry RankSector Rank
ROA 3.52%
ROE 13.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 20.19%
PM (TTM) 16.08%
GM N/A
FCFM 24.47%
ROA(3y)3.44%
ROA(5y)3.28%
ROE(3y)13.35%
ROE(5y)12.05%
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)4.33%
ROCE(5y)3.92%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score6
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 18.25
Cash Conversion 117.99%
Profit Quality 152.21%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC4.78%
ROIC/WACCN/A
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)1.32%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%14.13%
EPS Next Y-1.01%
EPS Next 2Y8.09%
EPS Next 3Y8.11%
EPS Next 5Y2.81%
Revenue 1Y (TTM)6.79%
Revenue growth 3Y10.91%
Revenue growth 5Y10.24%
Sales Q2Q%5.21%
Revenue Next Year4.13%
Revenue Next 2Y4.9%
Revenue Next 3Y4.79%
Revenue Next 5YN/A
EBIT growth 1Y10.03%
EBIT growth 3Y12.71%
EBIT growth 5Y16.53%
EBIT Next Year11.22%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y28.87%
FCF growth 3Y13.22%
FCF growth 5Y20.6%
OCF growth 1Y28.87%
OCF growth 3Y13.22%
OCF growth 5Y20.6%