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Chubb (CB)
NYSE:CB
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Chubb (CB) AI Stock Analysis

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CB

Chubb

(NYSE:CB)

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Outperform 78 (OpenAI - 4o)
Rating:78Outperform
Price Target:
$317.00
▲(14.64% Upside)
Chubb's overall stock score is driven by its strong financial performance and positive earnings call, which highlight record earnings and robust premium growth. The valuation is attractive with a low P/E ratio, though technical analysis indicates mixed signals with potential short-term weakness. The company's ability to manage risks effectively and maintain profitability in a competitive landscape supports investor confidence.
Positive Factors
Strong Financial Performance
Chubb's record earnings and EPS growth indicate robust financial health and effective management, enhancing long-term profitability and competitiveness.
Robust Investment Income
Strong investment income growth supports Chubb's financial stability and ability to generate cash, providing a buffer against underwriting volatility.
Strong International Growth
Expanding international premiums highlight Chubb's successful global strategy, diversifying revenue streams and reducing dependency on any single market.
Negative Factors
Property Pricing Challenges
Flat property pricing in key markets could pressure margins, affecting Chubb's ability to maintain profitability in the competitive insurance landscape.
Adverse Development in Long-tail Lines
Unfavorable developments in long-tail lines suggest potential future liabilities, which could impact Chubb's financial performance and risk management.
Negative Free Cash Flow Growth
Challenges in maintaining cash flow levels could limit Chubb's ability to invest in growth opportunities or return capital to shareholders.

Chubb (CB) vs. SPDR S&P 500 ETF (SPY)

Chubb Business Overview & Revenue Model

Company DescriptionChubb 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 MoneyChubb 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 Key Performance Indicators (KPIs)

Any
Any
Net Premiums
Net Premiums
Net Premiums measure the total revenue Chubb earns from insurance policies after deducting reinsurance costs. This is a key indicator of the company's ability to generate income from its core business operations, reflecting its market position and growth potential in the insurance industry.
Chart InsightsChubb's net premiums have shown a consistent upward trajectory, with both written and earned premiums experiencing significant growth since 2019. This trend highlights Chubb's robust underwriting capabilities and market expansion efforts. The recent quarters indicate sustained momentum, suggesting strong demand for Chubb's insurance products. Investors should note the strategic implications of this growth, as it positions Chubb favorably in the competitive insurance landscape, potentially leading to enhanced profitability and market share.
Data provided by:Main Street Data

Chubb Earnings Call Summary

Earnings Call Date:Oct 21, 2025
(Q3-2025)
|
% Change Since: |
Next Earnings Date:Feb 03, 2026
Earnings Call Sentiment Positive
The earnings call reflected strong financial performance, with record earnings, robust premium growth, and increased investment income. However, there were challenges in property pricing and adverse development in long-tail lines. The sentiment is Positive due to the significant highlights outweighing the lowlights.
Q3-2025 Updates
Positive Updates
Record Earnings Quarter
Core operating income of $3 billion was up 29%, leading to EPS of $7.49 per share, up 31% from a year ago. Published underwriting income of $2.3 billion was up 55% from a year ago, with a record combined ratio of 81.8%.
Strong Premium Growth
Total company premiums grew 7.5%, with consumer up almost 16% and commercial up 3.3%. Premiums in the Life Insurance division grew over 24.5%.
Robust Investment Income
Adjusted net investment income was a record $1.8 billion, up 8.3%. The fixed income portfolio yield is 5.1% with new money rate averaging 5.2%.
Increased Share Buybacks
The company returned $1.6 billion of capital to shareholders during the quarter, including $1.2 billion in share repurchases.
Tangible Book Value Growth
Tangible book value growth was 17% per share from a year ago and 6.6% from the previous quarter.
Strong International Growth
International business premiums in the Overseas General division were up 9.7%. Asia grew over 14%, Europe grew almost 5%, and Latin America grew over 10.5%.
Negative Updates
Property Pricing Challenges
Property pricing was flat with rates down 3.3% in North America, and property pricing was down 13.5% in large account business in E&S.
Adverse Development in Long-tail Lines
Pretax prior period development in long-tail lines was unfavorable $38 million, with adverse development mostly environmental-related.
North America Casualty Development
Overall casualty development was $38 million negative, with $104 million negative in the U.S. and $66 million positive internationally.
Company Guidance
During the Chubb Limited Third Quarter 2025 Earnings Call, the company reported record earnings, with core operating income reaching $3 billion, a 29% increase, and earnings per share (EPS) rising by 31% to $7.49. This growth was bolstered by a record underwriting income of $2.3 billion, up 55%, and a combined ratio of 81.8%, an improvement of 6 percentage points from the previous year. The company's diversified approach across regions and customer segments, including North America, Asia, and Europe, contributed to this success. Premium revenue growth was reported at 7.5%, with consumer premiums increasing by almost 16% and commercial premiums by 3.3%. Tangible book value per share grew by 17% year-over-year, reflecting Chubb's strong performance and strategic investments. The company also highlighted a robust investment income, with adjusted net investment income reaching a record $1.8 billion, up 8.3%. Additionally, Chubb returned $1.6 billion to shareholders through dividends and share repurchases during the quarter.

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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue57.66B56.15B50.13B42.98B40.77B36.05B
Gross Profit15.74B16.17B13.84B10.83B11.33B36.05B
EBITDA12.55B12.52B10.51B7.34B10.57B4.97B
Net Income9.20B9.27B9.03B5.25B8.53B3.53B
Balance Sheet
Total Assets261.56B246.55B230.68B199.02B200.05B190.77B
Cash, Cash Equivalents and Short-Term Investments40.37B39.19B33.79B25.79B97.91B96.79B
Total Debt14.98B15.18B14.49B14.88B16.17B14.95B
Total Liabilities187.12B178.15B166.99B148.50B140.34B131.33B
Stockholders Equity69.39B64.02B59.51B50.52B59.71B59.44B
Cash Flow
Free Cash Flow14.00B16.18B12.63B11.26B11.15B9.79B
Operating Cash Flow14.00B16.18B12.63B11.26B11.15B9.79B
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
Negative
Last Price276.52
Price Trends
50DMA
276.97
Negative
100DMA
277.73
Negative
200DMA
278.75
Negative
Market Momentum
MACD
-1.49
Positive
RSI
48.83
Neutral
STOCH
27.37
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 276.52 is below the 20-day moving average (MA) of 279.68, below the 50-day MA of 276.97, and below the 200-day MA of 278.75, indicating a bearish trend. The MACD of -1.49 indicates Positive momentum. The RSI at 48.83 is Neutral, neither overbought nor oversold. The STOCH value of 27.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CB.

Chubb Risk Analysis

Chubb disclosed 37 risk factors in its most recent earnings report. Chubb reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Chubb Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$107.35B11.2414.06%1.36%6.42%
76
Outperform
$28.45B15.7420.92%1.79%11.07%22.01%
75
Outperform
$129.90B12.152.20%18.35%32.30%
74
Outperform
$60.08B10.5919.81%1.60%6.75%30.83%
73
Outperform
$51.05B9.1127.33%2.01%9.81%94.71%
70
Outperform
$24.13B11.4313.23%1.66%8.51%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CB
Chubb
276.52
-14.59
-5.01%
ALL
Allstate
194.79
5.67
3.00%
MKL
Markel
1,886.48
318.92
20.34%
PGR
Progressive
222.63
-19.67
-8.12%
TRV
Travelers Companies
268.49
15.33
6.06%
WRB
W. R. Berkley Corporation
75.02
17.07
29.46%

Chubb Corporate Events

Chubb Limited Reports Strong Q3 2025 Earnings Growth
Oct 23, 2025

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.

Business Operations and StrategyPrivate Placements and Financing
Chubb Announces $1.25 Billion Senior Notes Offering
Neutral
Aug 6, 2025

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.

Chubb Ltd Reports Record Earnings and Strong Growth
Jul 25, 2025

Chubb Ltd’s recent earnings call painted a picture of robust financial health, marked by record-breaking earnings per share (EPS), underwriting income, and international premium growth. Despite facing challenges such as competitive pressures in large account property markets and softening financial lines pricing, the overall sentiment was overwhelmingly positive, underscoring the company’s strong performance.

Chubb Limited Reports Strong Q2 Earnings Growth
Jul 24, 2025

Chubb Limited is a global insurance company providing commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance across 54 countries and territories. The company is known for its extensive product offerings and strong financial standing.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 23, 2025