Financials · Property & Casualty Insurance · US stock · price as of 23 Oct 2026
Key indicators
Price
$355.11
52-week range
$273.35 – $365.91
Market cap
$140.1B
P/E (trailing)
12.6×
Dividend yield
1.1%
Revenue (last 12 months)
$60.8B
Revenue growth (3y a year)
11.3%
Price / book
1.9×
Return on equity
15.3%
Fair value
Fair value (average of valid models)$360.02 middle half of models $316 – $360
Versus priceFair−1% to fair value
P/E multiple
$359.91
P/B multiple
$333.40
P/S multiple
$316.44
Dividend discount, stable
$291.69
Dividend discount, multi-stage
$498.66
Model uncertainty
Medium
X-Ray Score
50/ 100 · Medium confidence · ahead of 49% of sector peers
Valuation37
Growth68
Profitability54
Financial health49
Dividends39
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
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%.
StocksXray gives Chubb Ltd an X-Ray Score of 50 out of 100 (medium confidence), ahead of 49% of the S&P 500 stocks in its sector. Its strongest lens is growth (68) and its weakest is valuation (37).
Our fair value (the average of the valid models) is $360.02 (range $316.44 to $359.91). At $355.11 the stock trades 1% below that value, so the label is "Fair" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Chubb Ltd (CB)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$180.51
$209.34
$218.13
$270.23
$309.30
$355.11
Market cap
$80.0B
$88.7B
$90.4B
$110.4B
$124.2B
$140.1B
P/E
9.4×
16.9×
10.0×
11.9×
12.0×
12.6×
Price / book
1.4×
1.8×
1.5×
1.7×
1.7×
1.9×
Dividend yield
–
1.57%
1.56%
1.33%
1.24%
1.09%
Fundamentals checklist ● 3 Good · ● 3 Average · ● 1 Bad · each check graded against the sector
Risk models
Piotroski F-Score7 of 9Average
Growth
EPS growth (3y)27.5%Good
Revenue growth (3y)11.3%Good
Growth consistency100%Good
Valuation
Fair value vs price1.0×Bad
Profitability
Return on invested capital13.6%Average
Operating margin24.9%Average
XStocksXray
Chubb Ltd (CB)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
40,869
43,097
49,735
55,753
59,402
60,822
Net income
8,525
5,246
9,028
9,272
10,310
11,299
Diluted EPS ($)
19.24
12.39
21.80
22.70
25.68
28.23
Net margin
20.9%
12.2%
18.2%
16.6%
17.4%
18.6%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
200,054
199,017
230,682
246,548
272,327
275,456
Cash
1,659
2,012
2,621
2,549
2,470
2,634
Total debt
16,168
14,877
14,495
15,179
17,227
17,470
Equity
58,328
50,519
59,507
64,021
73,757
73,788
Dividend per share ($)
–
3.29
3.41
3.59
3.82
3.88
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
