Chubb (CB) AI Stock Analysis

• Market Cap: $110.62B
• Dividend Yield: 1.33%
• Average Volume (3M): 1.71M
• Price to Earnings (P/E): 12.2
• Beta (1Y): 0.27
• Revenue Growth: 6.74%
• EPS Growth: -4.05%
• Country: US
• Employees: 43,000
• Sector: Financial
• Sector Strength: 73
• Industry: Insurance - Property & Casualty
• EPS (TTM): 6.14
• Shares Outstanding: 398,690,300
• 10 Day Avg. Volume: 1,624,565
• 30 Day Avg. Volume: 1,707,540
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.28
• Enterprise Value/Revenue: 2.46
• Enterprise Value/Gross Profit: 9.00
• Enterprise Value/Ebitda: 11.29
• 1Y Price Target: $303.38
• Price Target Upside: 9.35% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 17

• Rating: 78 Outperform
• Price Target: $313.00 ▲(12.81% Upside)

Chubb's strong financial performance and positive earnings call are the most significant factors driving the score. The company's robust profitability, efficient operations, and strategic growth across segments and geographies support a favorable outlook. While technical indicators and valuation are less compelling, they do not detract significantly from the overall positive assessment.

Positive Factors

Strong Underwriting Performance

Chubb's improved underwriting income and favorable combined ratio reflect effective risk management and operational efficiency, supporting long-term profitability.

Tangible Book Value Growth

Significant growth in tangible book value indicates strong financial health and enhances shareholder equity, providing a solid foundation for future growth.

Global Premium Growth

Robust premium growth across segments and geographies demonstrates Chubb's strong market position and ability to capture diverse insurance opportunities.

Negative Factors

Competitive Large Account Market

Increased competition in the large account market may pressure margins and limit growth opportunities, challenging Chubb's pricing power and profitability.

Property Pricing Decline

Declining property pricing can negatively impact revenue and profitability, as lower rates reduce income from existing and new policies.

Financial Lines Pricing Pressure

Pricing pressure in financial lines suggests challenges in maintaining margins, potentially affecting Chubb's competitive positioning and financial performance.

Chubb Business Overview & Revenue Model

Company Description

Chubb Limited (CB) is a global provider of property and casualty insurance and reinsurance products. Headquartered in Zurich, Switzerland, Chubb operates in various sectors, including commercial and personal insurance, as well as specialty insurance. The company offers a wide range of products, including liability, motor vehicle, property, and travel insurance, catering to both individual and business clients. Through its extensive distribution network and strong financial stability, Chubb is positioned as one of the leading insurers in the world.

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 consistent net profit margin, while the balance sheet is robust with low debt levels. Cash flow management is effective, though there are challenges in maintaining cash flow levels.

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	57.66B	56.15B	50.13B	42.98B	40.77B	36.05B
Gross Profit	15.74B	16.17B	13.84B	10.83B	11.33B	36.05B
EBITDA	12.55B	12.52B	10.51B	7.34B	10.57B	4.97B
Net Income	9.20B	9.27B	9.03B	5.25B	8.53B	3.53B
Balance Sheet
Total Assets	261.56B	246.55B	230.68B	199.02B	200.05B	190.77B
Cash, Cash Equivalents and Short-Term Investments	40.37B	39.19B	33.79B	25.79B	97.91B	96.79B
Total Debt	14.98B	15.18B	14.49B	14.88B	16.17B	14.95B
Total Liabilities	187.12B	178.15B	166.99B	148.50B	140.34B	131.33B
Stockholders Equity	69.39B	64.02B	59.51B	50.52B	59.71B	59.44B
Cash Flow
Free Cash Flow	14.00B	16.18B	12.63B	11.26B	11.15B	9.79B
Operating Cash Flow	14.00B	16.18B	12.63B	11.26B	11.15B	9.79B
Investing Cash Flow	-11.48B	-13.92B	-7.65B	-5.65B	-6.66B	-7.52B
Financing Cash Flow	-2.88B	-2.18B	-4.49B	-5.14B	-4.41B	-2.08B

Chubb Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 277.45
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CB, the sentiment is Neutral. The current price of 277.45 is above the 20-day moving average (MA) of 275.99, above the 50-day MA of 274.76, and below the 200-day MA of 279.43, indicating a neutral trend. The MACD of 0.97 indicates Negative momentum. The RSI at 54.60 is Neutral, neither overbought nor oversold. The STOCH value of 63.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CB.

Chubb Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ALL	82 Outperform	$52.78B	9.42	27.33%	1.96%	9.81%	94.71%
TRV	81 Outperform	$61.79B	12.14	19.29%	1.58%	8.54%	43.51%
CB	78 Outperform	$110.62B	12.24	14.10%	1.33%	6.74%	-4.05%
WRB	77 Outperform	$27.37B	16.42	20.63%	2.19%	11.41%	15.32%
PGR	74 Outperform	$144.45B	13.87	37.29%	1.99%	21.50%	51.86%
Sector *	68 Neutral	$17.85B	11.54	9.95%	3.76%	9.70%	1.08%
MKL	67 Neutral	$24.41B	11.57	13.23%	―	1.66%	8.51%

Chubb Corporate Events

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.