Chubb (CB) AI Stock Analysis

• Market Cap: $133.73B
• Dividend Yield: 1.22%
• Average Volume (3M): 1.67M
• Price to Earnings (P/E): 13.3
• Beta (1Y): 0.18
• Revenue Growth: 6.68%
• EPS Growth: -1.78%
• Country: US
• Employees: 43,000
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 7.52
• Shares Outstanding: 390,156,560
• 10 Day Avg. Volume: 1,522,740
• 30 Day Avg. Volume: 1,670,538
• PEG Ratio: 0.93
• Price to Book (P/B): 1.68
• Price to Sales (P/S): 2.08
• P/FCF Ratio: 9.66
• Enterprise Value/Market Cap: 0.98
• Enterprise Value/Revenue: 2.19
• Enterprise Value/Gross Profit: 6.54
• Enterprise Value/Ebitda: 9.24
• 1Y Price Target: $337.41
• Price Target Upside: -0.26% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 18
• EPS Forecast (FY): 26.75
• Revenue Forecast (FY): $58.27B

• Rating: 84 Outperform
• Price Target: $399.00 ▲(17.94% Upside)
• Action: Reiterated Date: 02/28/26
• Date: Action: Reiterated 02/28/26

CB scores highly due to strong financial performance (growing revenue/profits and an especially conservative balance sheet) and favorable earnings-call takeaways (record underwriting/investment results and confident growth guidance). Technicals are supportive with clear upward trend, though momentum is somewhat stretched. Valuation is reasonable on earnings but supported less by income given the modest dividend yield.

Positive Factors

Conservative balance sheet

Chubb’s very strong capital base and effectively zero reported debt provide durable financial flexibility to absorb underwriting volatility and large catastrophe years, fund opportunistic deployments, and maintain shareholder returns without forcing asset fire-sales or dilutive capital raises.

Diversified premium growth

Sustained premium expansion across retail, commercial, international and life lines reduces dependence on any single market. Geographic and product diversification helps stabilize revenue through regional cycles and supports long-term underwriting scale and cross-sell opportunities.

Robust investment income & asset base

Growing, higher-yielding invested assets and a deliberate shift to slightly more private allocations support durable investment income, which complements underwriting margins and strengthens cash generation across cycles, improving long-term earnings resilience.

Negative Factors

Catastrophe volatility

Elevated and unpredictable catastrophe losses can materially swing combined ratios, capital usage and underwriting results year-to-year. Even with strong capital, repeated large-cat years raise reinsurance costs, pressure pricing in exposed markets and add earnings volatility over the medium term.

Large-account property pricing pressure

Sustained rate declines and intensifying competition in large-account property and London open-market lines can compress commercial underwriting margins, slow reserve-building through price adequacy, and challenge ROE in a material segment if price recovery lags loss cost trends.

Regulatory/political risk in personal lines

Regulatory action or political pressure on personal lines pricing introduces structural risk to retail margins and product offerings. Constraints on rate-setting or mandated product changes across jurisdictions could limit profitability and force strategic adjustments in high-volume consumer segments.

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 various risks. The company earns significant income from its core property and casualty insurance lines, which include both commercial and personal insurance. Additionally, Chubb generates revenue from investment income derived from the premiums it collects, which are then invested in a diversified portfolio of assets. Key revenue streams include premium income from policies that cover risks such as property damage, liability claims, and specialty insurance products. Chubb also benefits from reinsurance arrangements that help manage risk exposure. Strategic partnerships with brokers and agents enhance its distribution network, while its strong financial strength and reputation contribute to customer trust and retention, further bolstering its earnings potential.

Chubb Financial Statement Overview

Summary

Strong multi-year revenue growth ($36.1B in 2020 to $59.6B in 2025) and solid profitability (2025 net income $10.3B; margins improved to ~17.3%). Balance sheet strength is a major positive with rising equity (~$73.8B in 2025) and very low reported leverage in 2025 (total debt $0). Main offsets are insurance-cycle volatility in margins/ROE and year-to-year free cash flow swings (2025 down vs. 2024).

Income Statement

Chubb shows a strong multi-year expansion in scale and earnings: revenue rose from $36.1B (2020) to $59.6B (2025), with solid profit levels (2025 net income of $10.3B). Profitability is generally healthy, with net margins improving materially from ~9.8% (2020) to ~17.3% (2025). A key weakness is volatility in profitability over time (notably the 2022 dip in net margin to ~12.2% and lower margins in 2024 versus 2023), which is common in P&C insurance but still a risk factor.

Balance Sheet

The balance sheet looks conservative and increasingly strong: equity grew from ~$59.4B (2020) to ~$73.8B (2025) alongside asset growth to ~$272.3B. Leverage is modest in the earlier years (debt-to-equity ~0.24–0.29 during 2022–2024) and appears exceptionally low in 2025 (reported total debt of $0, driving debt-to-equity to 0.0), which meaningfully strengthens financial flexibility. Return on equity remains solid in the low-to-mid teens (about 14% in 2024–2025), though it has fluctuated across the cycle (down to ~5.9% in 2020).

Cash Flow

Cash generation is strong in absolute dollars, with operating cash flow in the $9.8B–$16.2B range across 2020–2025 and free cash flow matching operating cash flow each year (as reported). Free cash flow also aligns with net income (free cash flow to net income of 1.0), supporting earnings quality. The main weakness is volatility: free cash flow declined in 2025 (down ~3.8%) after a very strong 2024, and the provided cash flow coverage metric is 0.0 throughout, limiting visibility into cash coverage based on the supplied data.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	59.58B	56.15B	50.13B	42.98B	40.77B
Gross Profit	27.54B	16.17B	13.84B	10.83B	11.33B
EBITDA	10.08B	12.52B	10.51B	7.34B	10.57B
Net Income	10.31B	9.27B	9.03B	5.25B	8.53B
Balance Sheet
Total Assets	272.33B	246.55B	230.68B	199.02B	200.05B
Cash, Cash Equivalents and Short-Term Investments	2.47B	39.19B	33.79B	25.79B	97.91B
Total Debt	0.00	15.29B	14.49B	14.88B	16.17B
Total Liabilities	192.55B	178.15B	166.99B	148.50B	140.34B
Stockholders Equity	73.76B	64.02B	59.51B	50.52B	59.71B
Cash Flow
Free Cash Flow	12.82B	16.18B	12.63B	11.26B	11.15B
Operating Cash Flow	12.82B	16.18B	12.63B	11.26B	11.15B
Investing Cash Flow	-12.98B	-13.92B	-7.65B	-5.65B	-6.66B
Financing Cash Flow	-1.85B	-2.18B	-4.49B	-5.14B	-4.41B

Chubb Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 338.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CB, the sentiment is Positive. The current price of 338.3 is above the 20-day moving average (MA) of 330.18, above the 50-day MA of 316.56, and above the 200-day MA of 290.25, indicating a bullish trend. The MACD of 7.47 indicates Negative momentum. The RSI at 71.77 is Negative, neither overbought nor oversold. The STOCH value of 89.33 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CB.

Chubb Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CB	84 Outperform	$133.73B	13.27	14.97%	1.22%	6.68%	-1.78%
WRB	81 Outperform	$27.43B	16.11	19.67%	1.88%	11.08%	22.01%
ALL	80 Outperform	$55.22B	5.64	39.51%	1.91%	7.07%	100.42%
PGR	76 Outperform	$125.14B	11.11	―	2.20%	18.35%	32.36%
TRV	76 Outperform	$67.18B	11.25	20.70%	1.49%	6.75%	30.83%
MKL	74 Outperform	$26.17B	12.30	12.20%	―	-6.96%	-26.28%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Chubb Corporate Events

Chubb Releases Investor Presentation on Financial Performance

Chubb Limited has released a slide presentation on its website, intended for investor meetings starting December 8, 2025. The presentation, which will be available for at least 60 days, covers the company’s financial performance, business mix, strategic initiatives, and growth opportunities.

The most recent analyst rating on (CB) stock is a Buy with a $340.00 price target. To see the full list of analyst forecasts on Chubb stock, see the CB Stock Forecast page.