Chubb (CB) AI Stock Analysis

• Market Cap: $108.81B
• Dividend Yield: 1.32%
• Average Volume (3M): 1.92M
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.27
• Revenue Growth: 6.74%
• EPS Growth: -4.05%
• Country: US
• Employees: 43,000
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 6.14
• Shares Outstanding: 398,690,300
• 10 Day Avg. Volume: 1,272,674
• 30 Day Avg. Volume: 1,922,605
• 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: 1.30
• Enterprise Value/Revenue: 2.46
• Enterprise Value/Gross Profit: 9.00
• Enterprise Value/Ebitda: 11.29
• 1Y Price Target: $304.35
• Price Target Upside: 8.82% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 18

• Rating: 79 Outperform
• Price Target: $320.00 ▲(14.42% Upside)

Chubb's strong financial performance and positive earnings call are the most significant factors contributing to its overall score. The company's robust profitability, efficient operations, and strategic growth initiatives position it well in the competitive insurance industry. Technical analysis and valuation provide additional support, though some caution is warranted due to mixed technical signals and modest dividend yield.

Positive Factors

Earnings

Chubb reported operating EPS of $6.14 for the second quarter, beating the consensus of $5.96.

Financial Performance

Favorable loss experience across all segments contributed to the positive performance.

Stock Repurchases

2Q repurchases of $676mn exceeded the forecast of $500mn.

Negative Factors

Competition

Elevated levels of competition in large account property-related business resulted in rates dropping.

Earnings Projection

Earnings growth is expected to decline in the future before returning to modest growth.

Pricing Pressure

Pricing pressure in commercial property unlikely to ignite investor interest.

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 consistent net profit margin, and the balance sheet is robust with low debt levels. However, there is a slight decline in gross profit margin and a negative free cash flow growth rate, which suggests some pressure on cost management and cash flow maintenance.

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: Positive
• Last Price: 279.68
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• 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 Positive. The current price of 279.68 is above the 20-day moving average (MA) of 270.58, above the 50-day MA of 277.34, and above the 200-day MA of 279.63, indicating a bullish trend. The MACD of -0.22 indicates Negative momentum. The RSI at 60.94 is Neutral, neither overbought nor oversold. The STOCH value of 72.88 is Neutral, 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
WRB	83 Outperform	$26.74B	16.05	20.63%	2.21%	11.41%	15.32%
ALL	82 Outperform	$54.57B	9.74	27.33%	1.80%	9.81%	94.71%
TRV	81 Outperform	$59.64B	11.71	19.29%	1.55%	8.54%	43.51%
PGR	80 Outperform	$144.85B	13.91	37.29%	1.94%	21.50%	51.86%
CB	79 Outperform	$108.81B	12.04	14.10%	1.32%	6.74%	-4.05%
MKL	72 Outperform	$24.74B	11.83	13.23%	―	1.66%	8.51%
Sector *	68 Neutral	$17.52B	11.72	10.43%	3.85%	9.75%	2.39%

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.