Chubb (CB) AI Stock Analysis

• Market Cap: $108.99B
• Dividend Yield: 1.36%
• Average Volume (3M): 1.84M
• Price to Earnings (P/E): 11.6
• Beta (1Y): 0.27
• Revenue Growth: 6.68%
• EPS Growth: -1.78%
• Country: US
• Employees: 43,000
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 7.49
• Shares Outstanding: 393,550,870
• 10 Day Avg. Volume: 2,382,216
• 30 Day Avg. Volume: 1,838,147
• PEG Ratio: 2.76
• Price to Book (P/B): 1.76
• Price to Sales (P/S): 2.01
• P/FCF Ratio: 6.97
• Enterprise Value/Market Cap: 1.30
• Enterprise Value/Revenue: 2.41
• Enterprise Value/Gross Profit: 8.46
• Enterprise Value/Ebitda: 10.49
• 1Y Price Target: $312.25
• Price Target Upside: 12.75% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 18

• Rating: 78 Outperform
• Price Target: $317.00 ▲(14.47% Upside)

Chubb's overall stock score is driven by strong financial performance and positive earnings call results. The company's robust profitability and effective risk management are significant strengths. Technical indicators suggest a neutral trend, while valuation metrics indicate reasonable pricing. The positive sentiment from the earnings call further supports the stock's potential.

Positive Factors

Strong Financial Health

Chubb's robust financial health, characterized by a low debt-to-equity ratio and strong profitability, ensures stability and resilience in the insurance industry.

Record Earnings Growth

Record earnings growth highlights Chubb's effective business strategies and market position, contributing to its long-term financial strength and shareholder value.

Robust Investment Income

Strong investment income enhances Chubb's revenue streams, providing a stable financial base and supporting future growth and expansion.

Negative Factors

Property Pricing Challenges

Flat property pricing and rate declines in key markets could pressure Chubb's revenue growth and profitability in the property insurance segment.

Adverse Development in Long-tail Lines

Adverse development in long-tail lines indicates potential underwriting challenges, impacting Chubb's risk management and financial performance.

Negative Free Cash Flow Growth

Negative free cash flow growth may limit Chubb's ability to invest in growth opportunities and return capital to shareholders, affecting long-term financial flexibility.

Chubb Business Overview & Revenue Model

Company Description

Chubb Limited provides insurance and reinsurance products worldwide. The company's North America Commercial P&C Insurance segment offers commercial property, casualty, workers' compensation, package policies, risk management, financial lines, marine, construction, environmental, medical, cyber risk, surety, and excess casualty; and group accident and health insurance to large, middle market, and small commercial businesses. Its North America Personal P&C Insurance segment provides affluent and high net worth individuals and families with homeowners, automobile and collector cars, valuable articles, personal and excess liability, travel insurance, and recreational marine insurance and services. The company's North America Agricultural Insurance segment offers multiple peril crop and crop-hail insurance; and coverage for farm and ranch property, and commercial agriculture products. Its Overseas General Insurance segment provides coverage for traditional commercial property and casualty; specialty categories, such as financial lines, marine, energy, aviation, political risk, and construction risk; and group accident and health, and traditional and specialty personal lines for corporations, middle markets, and small customers through retail brokers, agents, and other channels. The company's Global Reinsurance segment offers traditional and specialty reinsurance under the Chubb Tempest Re brand to property and casualty companies. Its Life Insurance segment provides protection and savings products comprising whole life, endowment plans, individual term life, group term life, medical and health, personal accident, credit life, universal life, and unit linked contracts. The company markets its products primarily through insurance and reinsurance brokers. The company was formerly known as ACE Limited and changed its name to Chubb Limited in January 2016. Chubb Limited was incorporated in 1985 and is headquartered in Zurich, Switzerland.

How the Company Makes Money

Chubb generates revenue primarily through the underwriting of insurance policies, which involves collecting premiums from policyholders in exchange for coverage against specified risks. The company has several key revenue streams, including commercial lines, personal lines, and specialty insurance products. Additionally, Chubb earns income from investment returns on the premiums collected, as these funds are typically invested in various financial instruments until claims need to be paid out. Significant partnerships with brokers, agents, and other distribution channels also enhance Chubb's market reach and contribute to its earnings. The company's strong reputation and extensive global presence further enable it to attract a diverse clientele, thereby bolstering its revenue generation capabilities.

Chubb Financial Statement Overview

Summary

Chubb demonstrates strong financial health with consistent profitability, efficient operations, and a stable financial structure. The income statement shows strong profitability with a net profit margin around 16% to 18%. The balance sheet is robust with a low debt-to-equity ratio of 0.22, and cash flow management is effective despite a negative free cash flow growth rate.

Income Statement

Chubb's income statement shows strong profitability with a consistent net profit margin around 16% to 18% over the years. The TTM (Trailing-Twelve-Months) revenue growth rate is modest at 1.57%, indicating stable revenue generation. The EBIT and EBITDA margins are healthy, reflecting efficient operations. However, the slight decline in gross profit margin from 2024 to TTM suggests some pressure on cost management.

Balance Sheet

The balance sheet is robust with a low debt-to-equity ratio of 0.22 in TTM, indicating prudent financial leverage. Return on equity is strong at 13.89%, showcasing effective use of equity capital. The equity ratio is solid, reflecting a stable financial structure. However, the slight increase in debt levels over the years warrants monitoring.

Cash Flow

Chubb's cash flow statement reveals a strong operating cash flow to net income ratio of 9.34 in TTM, indicating excellent cash generation relative to earnings. Free cash flow to net income ratio remains stable at 1.0, reflecting consistent cash flow management. However, the negative free cash flow growth rate in TTM suggests potential challenges in maintaining cash flow levels.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	58.70B	56.15B	50.13B	42.98B	40.77B	36.05B
Gross Profit	16.71B	16.17B	13.84B	10.83B	11.33B	7.01B
EBITDA	13.47B	12.52B	10.51B	7.34B	10.57B	4.97B
Net Income	9.68B	9.27B	9.03B	5.25B	8.53B	3.53B
Balance Sheet
Total Assets	270.21B	246.55B	230.68B	199.02B	200.05B	190.77B
Cash, Cash Equivalents and Short-Term Investments	0.00	39.19B	4.55B	6.97B	4.80B	6.09B
Total Debt	17.23B	15.18B	18.47B	17.24B	18.37B	17.18B
Total Liabilities	167.70B	154.71B	143.54B	128.82B	122.04B	114.60B
Stockholders Equity	71.86B	64.02B	59.51B	50.52B	59.71B	59.44B
Cash Flow
Free Cash Flow	13.32B	16.18B	12.63B	11.26B	11.15B	9.79B
Operating Cash Flow	13.32B	16.18B	12.63B	11.26B	11.15B	9.79B
Investing Cash Flow	-11.40B	-13.92B	-7.65B	-5.65B	-6.66B	-7.52B
Financing Cash Flow	-2.31B	-2.18B	-4.49B	-5.14B	-4.41B	-2.08B

Chubb Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 276.94
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CB, the sentiment is Negative. The current price of 276.94 is below the 20-day moving average (MA) of 279.06, below the 50-day MA of 277.60, and below the 200-day MA of 279.33, indicating a bearish trend. The MACD of -0.23 indicates Positive momentum. The RSI at 48.37 is Neutral, neither overbought nor oversold. The STOCH value of 62.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CB.

Chubb Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CB	―	$108.99B	11.56	14.06%	1.36%	6.68%	-1.78%
TRV	―	$59.92B	10.56	19.81%	1.60%	6.75%	30.83%
WRB	―	$27.06B	14.98	20.92%	1.88%	11.07%	22.01%
MKL	―	$24.90B	12.36	11.86%	―	-6.96%	-26.28%
ALL	―	$50.47B	9.01	27.33%	2.05%	9.81%	94.71%
PGR	―	$120.76B	11.29	―	2.38%	18.35%	32.30%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Chubb Corporate Events

Chubb Ltd Reports Record Earnings and Strong Growth

Chubb Ltd’s recent earnings call showcased a positive sentiment, driven by strong financial performance. The company reported record earnings, robust premium growth, and increased investment income, despite facing challenges in property pricing and adverse development in long-tail lines. Overall, the positive highlights significantly outweighed the lowlights, reflecting a strong quarter for Chubb.

Chubb Limited Reports Strong Q3 2025 Earnings Growth

Chubb Limited is a global insurance company operating in 54 countries, offering a wide range of insurance products, including property and casualty, personal accident, supplemental health, reinsurance, and life insurance. The company is known for its extensive product offerings and strong financial standing.

Chubb Announces $1.25 Billion Senior Notes Offering

On August 4, 2025, Chubb INA Holdings LLC announced its agreement to sell $1.25 billion in 4.900% Senior Notes due 2035 through a public offering. These notes will be fully and unconditionally guaranteed by Chubb Limited, indicating a strategic financial move that could impact the company’s market positioning and provide stakeholders with insights into its future financial strategies.

The most recent analyst rating on (CB) stock is a Buy with a $330.00 price target. To see the full list of analyst forecasts on Chubb stock, see the CB Stock Forecast page.