Chubb (CB) AI Stock Analysis

• Market Cap: $129.66B
• Dividend Yield: 1.22%
• Average Volume (3M): 1.32M
• Price to Earnings (P/E): 12.8
• 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: 393,550,870
• 10 Day Avg. Volume: 1,648,953
• 30 Day Avg. Volume: 1,320,619
• PEG Ratio: 0.93
• Price to Book (P/B): 1.68
• Price to Sales (P/S): 2.08
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.99
• Enterprise Value/Revenue: 2.15
• Enterprise Value/Gross Profit: 4.64
• Enterprise Value/Ebitda: 12.69
• 1Y Price Target: $330.87
• Price Target Upside: 0.43% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 16
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 80 Outperform
• Price Target: $360.00 ▲(9.27% Upside)

CB scores well primarily on financial performance (strong profitability and a solid balance sheet) and a very constructive earnings call with record operating results and confident growth outlook. Technicals support the trend but show some near-term stretch, while valuation is reasonable on earnings but less supported by dividend yield.

Positive Factors

Underwriting discipline: low combined ratio

A record-low combined ratio (81.2%) and sharply higher P&C underwriting income reflect durable underwriting discipline and pricing/segmentation strength. Sustained low combined ratios drive persistent underwriting profitability, expand capital generation and support long-term returns and reinvestment capacity.

Diversified, broad premium growth

Broad-based premium growth across regions and lines (consumer, commercial, life) reduces concentration risk and supports steadier revenue trajectories. Geographic and product diversification increases resilience to localized cycles and underpins multi-year organic growth potential in both P&C and life segments.

Strong capital generation and tangible book growth

Large tangible-book-value gains and meaningful capital returns indicate robust internal capital generation and disciplined deployment. A rising tangible equity base plus active buybacks/dividends provides flexibility to fund growth, invest in higher-yield private assets, and sustain ratings over the medium term.

Negative Factors

Catastrophe loss volatility

Elevated catastrophe losses demonstrate recurring model and earnings volatility inherent to P&C insurance. Large-cat years can materially erode underwriting margins and capital cushions, forcing reserve draws or reduced capital returns and complicating multi-year earnings visibility and planning.

Rate pressure in large-account property / London market

Meaningful rate declines in large-account and London markets signal structural pricing headwinds in higher-limit commercial classes. Sustained competitive pressure can compress underwriting margins, challenge disciplined risk selection, and require higher volume or product mix shifts to maintain earnings over several quarters.

Long-tail reserve risk (asbestos runoff)

Adverse development in runoff reserves (asbestos) highlights persistent long-tail liability risk that can produce surprise charges and erode capital. Such reserve volatility complicates multi-year loss forecasts, capital planning and may constrain capital returns if adverse trends continue.

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 profitability and operating efficiency (net margin ~16.5%, solid EBIT/EBITDA margins) and prudent leverage (debt-to-equity 0.24) support a high score. Offsetting factors include modest revenue growth (TTM ~1.8%) and slightly declining free-cash-flow growth (TTM -4.85%), which temper the overall financial strength.

Income Statement

Chubb's income statement shows strong profitability with a consistent gross profit margin around 28% and a net profit margin of approximately 16.5% in the TTM. Revenue growth has been positive, albeit modest at 1.8% in the TTM, indicating steady expansion. The EBIT and EBITDA margins are robust, reflecting efficient operations and cost management. Overall, the income statement reflects a stable and profitable business model with room for growth.

Balance Sheet

The balance sheet is solid with a low debt-to-equity ratio of 0.24, indicating prudent financial leverage. Return on equity is healthy at 14.3%, showcasing effective use of shareholder funds. The equity ratio stands at 26.6%, suggesting a strong capital base. While the balance sheet is stable, the relatively high total debt could pose a risk if not managed carefully.

Cash Flow

Chubb's cash flow statement reveals a slight decline in free cash flow growth by 4.85% in the TTM, which could be a concern if it continues. However, the operating cash flow to net income ratio is strong at 8.89, indicating good cash generation relative to net income. The free cash flow to net income ratio is stable at 1.0, reflecting consistent cash flow management. Overall, cash flow is stable but shows potential areas for improvement in growth.

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	0.00	16.18B	12.63B	11.26B	11.15B
Operating Cash Flow	0.00	16.18B	12.63B	11.26B	11.15B
Investing Cash Flow	0.00	-13.92B	-7.65B	-5.65B	-6.66B
Financing Cash Flow	0.00	-2.18B	-4.49B	-5.14B	-4.41B

Chubb Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 329.45
• 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 329.45 is above the 20-day moving average (MA) of 307.13, above the 50-day MA of 305.83, and above the 200-day MA of 286.33, indicating a bullish trend. The MACD of 4.30 indicates Negative momentum. The RSI at 78.58 is Negative, neither overbought nor oversold. The STOCH value of 90.13 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
MKL	82 Outperform	$25.90B	12.34	11.86%	―	-6.96%	-26.28%
CB	80 Outperform	$129.66B	12.83	14.97%	1.22%	6.68%	-1.78%
PGR	76 Outperform	$120.53B	10.69	―	2.20%	18.35%	32.36%
TRV	76 Outperform	$65.85B	10.76	20.70%	1.49%	6.75%	30.83%
ALL	74 Outperform	$54.20B	5.44	34.63%	1.91%	7.07%	100.42%
WRB	71 Outperform	$26.67B	15.77	19.67%	1.88%	11.08%	22.01%
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.