Chubb (CB) AI Stock Analysis

• Market Cap: $116.56B
• Dividend Yield: 1.27%
• Average Volume (3M): 1.72M
• Price to Earnings (P/E): 12.4
• Beta (1Y): 0.19
• Revenue Growth: 6.68%
• EPS Growth: -1.78%
• Country: US
• Employees: 43,000
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 7.49
• Shares Outstanding: 393,550,870
• 10 Day Avg. Volume: 1,258,149
• 30 Day Avg. Volume: 1,719,383
• PEG Ratio: 2.76
• Price to Book (P/B): 1.76
• Price to Sales (P/S): 2.01
• P/FCF Ratio: 6.97
• Enterprise Value/Market Cap: 1.21
• Enterprise Value/Revenue: 2.41
• Enterprise Value/Gross Profit: 8.46
• Enterprise Value/Ebitda: 10.49
• 1Y Price Target: $312.56
• Price Target Upside: 6.36% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 18
• EPS Forecast (FY): 23.7
• Revenue Forecast (FY): $55.46B

• Rating: 80 Outperform
• Price Target: $340.00 ▲(15.69% Upside)

Chubb's strong financial performance and positive earnings call are the most significant factors driving the score. The technical analysis suggests caution due to overbought signals, while the valuation indicates potential undervaluation. Overall, Chubb is well-positioned with robust profitability and growth prospects.

Positive Factors

Strong Premium Growth

Chubb's robust premium growth indicates strong demand for its insurance products, enhancing its market position and revenue potential.

Robust Investment Income

Increased investment income strengthens Chubb's financial stability and supports its ability to fund future growth initiatives.

Solid Balance Sheet

A strong balance sheet with low leverage enhances Chubb's financial flexibility and resilience against economic downturns.

Negative Factors

Property Pricing Challenges

Flat property pricing could pressure margins and limit revenue growth in Chubb's key markets, affecting profitability.

Adverse Development in Long-tail Lines

Adverse developments in long-tail lines can lead to increased liabilities, impacting Chubb's financial performance and risk management.

Decline in Free Cash Flow Growth

A decline in free cash flow growth may constrain Chubb's ability to invest in new opportunities and return capital to shareholders.

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

Chubb demonstrates strong profitability with robust margins and a solid balance sheet. While revenue and cash flow growth are modest, the company maintains healthy leverage ratios and effective cash flow management.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	58.70B	56.15B	50.13B	42.98B	40.77B	36.05B
Gross Profit	16.71B	16.17B	13.84B	10.83B	11.33B	7.01B
EBITDA	13.47B	12.52B	10.51B	7.34B	10.57B	4.97B
Net Income	9.68B	9.27B	9.03B	5.25B	8.53B	3.53B
Balance Sheet
Total Assets	270.21B	246.55B	230.68B	199.02B	200.05B	190.77B
Cash, Cash Equivalents and Short-Term Investments	41.99B	39.19B	33.79B	25.79B	97.91B	96.79B
Total Debt	17.23B	15.29B	14.49B	14.88B	16.17B	14.95B
Total Liabilities	192.40B	178.15B	166.99B	148.50B	140.34B	131.33B
Stockholders Equity	71.86B	64.02B	59.51B	50.52B	59.71B	59.44B
Cash Flow
Free Cash Flow	13.32B	16.18B	12.63B	11.26B	11.15B	9.79B
Operating Cash Flow	13.32B	16.18B	12.63B	11.26B	11.15B	9.79B
Investing Cash Flow	-11.40B	-13.92B	-7.65B	-5.65B	-6.66B	-7.52B
Financing Cash Flow	-2.31B	-2.18B	-4.49B	-5.14B	-4.41B	-2.08B

Chubb Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 293.88
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 293.88 is above the 20-day moving average (MA) of 292.37, above the 50-day MA of 284.46, and above the 200-day MA of 281.77, indicating a bullish trend. The MACD of 4.04 indicates Positive momentum. The RSI at 56.46 is Neutral, neither overbought nor oversold. The STOCH value of 38.87 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
ALL	83 Outperform	$54.95B	6.80	34.63%	1.91%	7.07%	100.42%
MKL	82 Outperform	$26.15B	12.98	11.86%	―	-6.96%	-26.28%
CB	80 Outperform	$116.56B	12.36	14.06%	1.27%	6.68%	-1.78%
WRB	79 Outperform	$27.73B	15.33	20.92%	1.84%	11.08%	22.01%
PGR	78 Outperform	$133.59B	12.48	34.23%	2.15%	18.35%	32.36%
TRV	78 Outperform	$64.80B	11.42	19.81%	1.48%	6.75%	30.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Chubb Corporate Events

Chubb Announces Leadership Transition with Lupica’s Retirement

On November 4, 2025, Chubb Limited announced the retirement of John Lupica, Vice Chairman and Executive Chairman of North America Insurance, effective December 31, 2025, after 25 years of service. John Keogh, the company’s President and COO, will assume the additional role of Chairman, North America Insurance. Lupica’s leadership significantly contributed to Chubb’s growth and success in the property and casualty industry, and his departure marks a significant transition for the company.

The most recent analyst rating on (CB) stock is a Buy with a $317.00 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

Chubb Ltd’s recent earnings call showcased a positive sentiment, driven by strong financial performance. The company reported record earnings, robust premium growth, and increased investment income, despite facing challenges in property pricing and adverse development in long-tail lines. Overall, the positive highlights significantly outweighed the lowlights, reflecting a strong quarter for Chubb.

Chubb Limited Reports Strong Q3 2025 Earnings Growth

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.