Chubb Ltd (CB)
Financials · Property & Casualty Insurance · US stock · S&P 500 component
$363.95
▲ +9.00 (2.54%)
Fair valueFair
$360 −1.1% to fair value
$180fair band $306–$436$540
Day's range
$357.11 – $364.86
52-week range
$272.20 – $365.91
About Chubb Ltd
Chubb is a global property and casualty insurer that also sells accident, health and life insurance. It underwrites commercial coverage for businesses, personal insurance for individuals with higher-value assets, and reinsurance. Revenue comes from premiums paid by customers and investment income earned on its portfolio, and results depend on how claims, including those from natural catastrophes, compare with the premiums collected.
Revenue of $60.8 billion was recorded for the latest twelve months; sales expanded at 11.3% a year across three years. Chubb Ltd converts that into an operating margin of 24.9%. Return on invested capital comes to 14%. A dividend is paid, with a yield of 1.1%, and the X-Ray Score is 50 out of 100.
Price chart
52-wk range $272.20 – $365.91Volume 1,709,696Daily, split-adjusted
Vitals
Market cap$143.6B
52-week range$272.20 – $365.91
Volume (last day)1,709,696
P/E (TTM)12.9
EBIT / EV yield9.1%
Free-cash-flow yield–
Dividend yield1.1%
Revenue (TTM)$60.8B
Net income (TTM)$11.3B
Operating margin24.9%
Return on capital13.6%
Debt incl. leases$18.7B
Cash & securities$2.6B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies that hold large long-term investments). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$360middle half of models $316 – $360
Fair
−1.1% to fair value
Average of the 5 valuation models that pass our checks: multiples, discounted cash flow, dividend discount and earnings power value. A model more than 100% above or 60% below the price is left out as unrealistic. Model uncertainty is Medium, based on how far apart the models are. Undervalued or Overvalued means the gap to fair value is more than 17.5%.
Price $364
Undervalued < $306Fair $306 – $436Overvalued > $436
P/E multiple
$360
P/B multiple
$333
P/S multiple
$316
Dividend discount, stable
$292
Dividend discount, multi-stage
$499
A model estimate, not a price target or recommendation. Inputs: risk-free 5.13%, equity risk premium 4.30% (Damodaran). How it works.
What this means
Average business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Strong: 70 to 100Fair: 50 to 69Weak: under 50No score: not enough data
Valuation
Weak
37/100
Expensive against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield9.1%
Fair value vs price1.0×
Growth
Fair
68/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)11.3%
EPS growth (3y)27.5%
Growth consistency100%
Profitability
Fair
55/100
Returns on capital are typical for its sector.
See the numbers →
Return on invested capital13.6%
Operating margin24.9%
Financial health
Weak
49/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score7 / 9
Net debt / EBITDA1.1×
Interest cover19.4×
Dividends
Weak
39/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield1.1%
Dividend growth3.1%
Quarterly results: last 6 quarters
+9.1%
Dec '24
+3.6%
Mar '25
+7.2%
Jun '25
+8.7%
Sep '25
+6.3%
Dec '25
+10.6%
Mar '26
Revenue against the same quarter a year earlier. Latest quarter revenue $14.8B, diluted EPS $5.88.
Compare with peers
PGR Progressive Corp69 HIG Hartford Insurance Gro...64 ACGL Arch Capital Group Ltd...61 CINF Cincinnati Financial C...60Other Property & Casualty Insurance companies by X-Ray Score.
SWOT analysis: Chubb Ltd
Strengthsinside the company
- Operating margin of 24.9% is well above the 18.0% median of industry peers, a sign of pricing power or lower costs.
- Revenue has grown 11.3% a year over three years (median 9.8% for industry peers).
- Earnings per share have compounded at 27.5% a year over three years.
- Operating profit covers interest 19x, so debt costs are a small drag.
Weaknessesinside the company
- Return on invested capital of 13.6% is well below the 27.2% median of industry peers.
Opportunitiesvaluation and setting
- Our Market Compass rates the backdrop for Financials as favourable.
- Price momentum is strong on the weekly and monthly signals (trends can reverse).
Threatsvaluation and setting
- Trades at 12.7x earnings, 44% above the 8.8x median of industry peers, so the price already assumes better results.
Written by fixed rules from the figures on this page and the peer table below: filings, our fair value, the sector climate and the price trend. It summarises the data, it is not a forecast or advice.
Compare CB with peers and sector
Medians of 7 Property & Casualty Insurance peers and of 70 Financials stocks in our universe.
Largest peers (X-Ray Score): PGR 69, TRV 52, ALL 54, HIG 64, ACGL 61, WRB 57.
| Metric | CB | Peers | Sector |
|---|---|---|---|
| X-Ray Score (out of 100) | 50 | 60 | 50 |
| Valuation | 37 | 63 | 52 |
| Growth | 68 | 62 | 54 |
| Profitability | 54 | 63 | 48 |
| Financial health | 49 | 55 | 51 |
| Dividends | 39 | 62 | 54 |
Sector leaders: highest X-Ray Score in Financials
CB ranks #36 of 71 in Financials and #8 of 8 in Property & Casualty Insurance by X-Ray Score. A higher score is stronger on our five pillars; it is a ranking of facts, not a forecast.
Green means better than the peer median, red worse (only where a higher or lower figure is clearly better). A dash means too few companies report the figure. P/E, EV/EBITDA and price changes are not graded: a different level is not good or bad by itself.
Factor ratings for CB
Each factor is rated by where CB stands among the 71 Financials stocks in our universe.
Rating against the sector
Goodthe top third of these stocks
Averagethe middle third of these stocks
Badthe bottom third of these stocks
"Beats" is the share of those stocks it is ahead of.
Against its own history
The last columns set today's figure against the company's own median of its last five financial years:
▲ Betterbetter than its usual level
▼ Worseworse than its usual level
≈ In linewithin its usual range
For valuation factors Good means cheaper than most of the sector and Better means cheaper than usual for this company, which is not the same as a bargain.
In total: 2 Good · 6 Average · 0 Bad of 8
Growth: 2 · 1 · 0
Profitability: 0 · 2 · 0
Valuation: 0 · 3 · 0
| Factor | CB | Rating | Sector median | Own 5-year median | Against own history |
|---|---|---|---|---|---|
| Growth | |||||
| Revenue growth, 3 years a year | +11.3% | Good beats 72% | +8.3% | – | – |
| Revenue growth, last year | +6.5% | Average beats 46% | +6.9% | +12.1% | ▼ Worse |
| EPS growth, 3 years a year | +27.5% | Good beats 80% | +12.7% | – | – |
| Profitability | |||||
| Net margin | 18.6% | Average beats 42% | 21.8% | 17.4% | ≈ In line |
| Return on equity | 15.3% | Average beats 48% | 15.7% | 14.5% | ≈ In line |
| Valuation | |||||
| P/E ratio | 12.7x | Average beats 63% | 13.8x | 12.2x | ≈ In line |
| Price / book | 1.9x | Average beats 62% | 2.2x | 1.7x | ≈ In line |
| Price / sales | 2.4x | Average beats 59% | 3.1x | 2.1x | ≈ In line |
These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the X-Ray Score. A factor is left out when its data is missing or meaningless (for example a P/E on negative earnings), and banks and insurers are rated only on the factors that apply to them. A dash in the history columns means fewer than three usable years.
Fundamentals checklist
● 3 Good · ● 7 Average · ● 1 BadCash quality
Earnings backed by cashAverage
Risk models
Piotroski F-ScoreAverage
Growth
EPS growth (3y)Good
Revenue growth (3y)Good
Growth consistencyGood
Balance sheet
Net debt / EBITDAAverage
Interest coverAverage
Valuation
Fair value vs priceBad
EBIT / EV yieldAverage
Profitability
Return on invested capitalAverage
Operating marginAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 54/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $40.9B | $43.1B | $49.7B | $55.8B | $59.4B |
| Operating income | $10.3B | $7.1B | $10.2B | $12.2B | $13.8B |
| Net income | $8.5B | $5.2B | $9.0B | $9.3B | $10.3B |
| Operating cash flow | $11.2B | $11.3B | $12.6B | $16.2B | $12.8B |
| Operating margin | 25.2% | 16.4% | 20.5% | 21.9% | 23.2% |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $19.24 | $12.39 | $21.80 | $22.70 | $25.68 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bullish
12 bullish · 0 neutral · 4 bearish
Weekly
Strongly bullish
11 bullish · 1 neutral · 0 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 352.8 | Bullish |
| EMA 10 | 353.2 | Bullish |
| SMA 20 | 342.8 | Bullish |
| EMA 20 | 347.6 | Bullish |
| SMA 50 | 341.1 | Bullish |
| EMA 50 | 343.1 | Bullish |
| SMA 100 | 341.0 | Bullish |
| EMA 100 | 339.1 | Bullish |
| SMA 200 | 330.8 | Bullish |
| EMA 200 | 329.1 | Bullish |
Oscillators (daily)
| RSI (14) | 70.60 | Bearish |
| MACD (12, 26) | 5.77 | Bullish |
| Momentum (12) | 8.90 | Bullish |
| Stochastic %K (14) | 97.48 | Bearish |
| Williams %R (14) | -2.52 | Bearish |
| CCI (20) | 130.1 | Bearish |
Pivot points (classic, last session)
S3 351.3 | S2 354.2 | S1 359.1 | Pivot 362.0 | R1 366.8 | R2 369.7 | R3 374.6 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
3.98 USD
Yield on today's price
1.09%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 1.0200 | |
| 1.0200 | |
| 0.9700 | |
| 0.9700 | |
| 0.9700 | |
| 0.9700 | |
| 0.9100 | |
| 0.9100 | |
| 0.9100 | |
| 0.9100 | |
| 0.8600 | |
| 0.8600 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
ETFs that hold CB
| ETF | Share of the fund |
|---|---|
| OMAH VistaShares Target 15 Berkshire Select... | 4.69% |
| RDVI FT Cboe Vest Rising Dividend Achievers... | 2.03% |
| RDVY First Trust Rising Dividend Achievers | 1.97% |
| IYF iShares U.S. Financials | 1.88% |
| KIE SPDR S&P Insurance | 1.85% |
| XLF Financial Select Sector SPDR | 1.62% |
| USMV iShares MSCI USA Min Vol Factor | 1.54% |
| PWV Invesco Dynamic Large Cap Value | 1.42% |
The eight funds with the largest weight in CB among the ETFs we cover, from each fund's latest SEC Form N-PORT (quarter-end positions, so they can be months old). All ETFs.
CB SEC filings
8-KSEC EDGAR
Results of operations
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations
8-KSEC EDGAR
Other events
8-KSEC EDGAR
Director or officer change; Shareholder vote results
8-KSEC EDGAR
Other events
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.