(CB) Chubb - Overview
Stock: Insurance, Reinsurance, Property, Casualty, Life
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.31% |
| Yield on Cost 5y | 2.48% |
| Yield CAGR 5y | 4.69% |
| Payout Consistency | 96.2% |
| Payout Ratio | 15.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 21.6% |
| Relative Tail Risk | -7.25% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.92 |
| Alpha | 16.13 |
| Character TTM | |
|---|---|
| Beta | 0.234 |
| Beta Downside | 0.317 |
| Drawdowns 3y | |
|---|---|
| Max DD | 14.35% |
| CAGR/Max DD | 1.21 |
Description: CB Chubb January 27, 2026
Chubb Ltd (NYSE: CB) is a global insurer and reinsurer operating through six segments: North America Commercial P&C, North America Personal P&C, North America Agricultural, Overseas General Insurance, Global Reinsurance, and Life Insurance. Its product suite spans commercial property-casualty, personal lines (home, auto, cyber, and specialty), agricultural coverages, catastrophe reinsurance, and a broad range of protection-savings life products.
In Q4 2023 Chubb reported a 7.2% year-over-year increase in net written premiums to $18.9 billion, driven by strong growth in its North America Commercial P&C and Global Reinsurance businesses. The combined ratio for the Commercial P&C segment improved to 92.5%, reflecting disciplined underwriting and lower catastrophe losses, while the Life segment posted a 5.1% rise in new business volume. Return on equity (ROE) for the full year 2023 stood at 13.8%, above the industry median of 9.5%, and the company’s diluted EPS grew 12% to $13.64.
Key macro drivers include a low-interest-rate environment that pressures investment income, rising frequency of natural-catastrophe events that elevate reinsurance demand, and accelerating cyber-risk exposure fueling premium growth in specialty lines.
For a deeper, data-driven assessment of Chubb’s valuation dynamics, you may find ValueRay’s analytical platform useful.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 10.31b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -3.35 > 1.0 |
| NWC/Revenue: 24.85% < 20% (prev 24.28%; Δ 0.57% < -1%) |
| CFO/TA 0.03 > 3% & CFO 8.76b > Net Income 10.31b |
| Net Debt (-2.47b) to EBITDA (10.08b): -0.25 < 3 |
| Current Ratio: 10.88 > 1.5 & < 3 |
| Outstanding Shares: last quarter (396.5m) vs 12m ago -7.30% < -2% |
| Gross Margin: 46.22% > 18% (prev 0.29%; Δ 4593 % > 0.5%) |
| Asset Turnover: 22.97% > 50% (prev 22.76%; Δ 0.20% > 0%) |
| Interest Coverage Ratio: 12.80 > 6 (EBITDA TTM 10.08b / Interest Expense TTM 764.0m) |
Altman Z'' 1.81
| A: 0.05 (Total Current Assets 16.30b - Total Current Liabilities 1.50b) / Total Assets 272.33b |
| B: 0.25 (Retained Earnings 66.72b / Total Assets 272.33b) |
| C: 0.04 (EBIT TTM 9.78b / Avg Total Assets 259.44b) |
| D: 0.38 (Book Value of Equity 73.76b / Total Liabilities 192.55b) |
| Altman-Z'' Score: 1.81 = BBB |
What is the price of CB shares?
Over the past week, the price has changed by +6.92%, over one month by +7.01%, over three months by +17.30% and over the past year by +22.89%.
Is CB a buy, sell or hold?
- StrongBuy: 4
- Buy: 5
- Hold: 10
- Sell: 3
- StrongSell: 0
What are the forecasts/targets for the CB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 331.7 | 0.2% |
| Analysts Target Price | 331.7 | 0.2% |
| ValueRay Target Price | 384.7 | 16.2% |
CB Fundamental Data Overview February 07, 2026
P/E Forward = 12.1655
P/S = 2.1927
P/B = 1.7566
P/EG = 1.9936
Revenue TTM = 59.58b USD
EBIT TTM = 9.78b USD
EBITDA TTM = 10.08b USD
Long Term Debt = 15.73b USD (from longTermDebt, two quarters ago)
Short Term Debt = 1.50b USD (from shortTermDebt, two quarters ago)
Debt = 17.23b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -2.47b USD (from netDebt column, last quarter)
Enterprise Value = 145.01b USD (130.25b + Debt 17.23b - CCE 2.47b)
Interest Coverage Ratio = 12.80 (Ebit TTM 9.78b / Interest Expense TTM 764.0m)
EV/FCF = 16.56x (Enterprise Value 145.01b / FCF TTM 8.76b)
FCF Yield = 6.04% (FCF TTM 8.76b / Enterprise Value 145.01b)
FCF Margin = 14.70% (FCF TTM 8.76b / Revenue TTM 59.58b)
Net Margin = 17.30% (Net Income TTM 10.31b / Revenue TTM 59.58b)
Gross Margin = 46.22% ((Revenue TTM 59.58b - Cost of Revenue TTM 32.05b) / Revenue TTM)
Gross Margin QoQ = none% (prev 31.18%)
Tobins Q-Ratio = 0.53 (Enterprise Value 145.01b / Total Assets 272.33b)
Interest Expense / Debt = 1.19% (Interest Expense 205.0m / Debt 17.23b)
Taxrate = 15.84% (597.0m / 3.77b)
NOPAT = 8.23b (EBIT 9.78b * (1 - 15.84%))
Current Ratio = 10.88 (Total Current Assets 16.30b / Total Current Liabilities 1.50b)
Debt / Equity = 0.23 (Debt 17.23b / totalStockholderEquity, last quarter 73.76b)
Debt / EBITDA = -0.25 (Net Debt -2.47b / EBITDA 10.08b)
Debt / FCF = -0.28 (Net Debt -2.47b / FCF TTM 8.76b)
Total Stockholder Equity = 70.18b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.97% (Net Income 10.31b / Total Assets 272.33b)
RoE = 14.69% (Net Income TTM 10.31b / Total Stockholder Equity 70.18b)
RoCE = 11.39% (EBIT 9.78b / Capital Employed (Equity 70.18b + L.T.Debt 15.73b))
RoIC = 9.74% (NOPAT 8.23b / Invested Capital 84.56b)
WACC = 6.11% (E(130.25b)/V(147.48b) * Re(6.78%) + D(17.23b)/V(147.48b) * Rd(1.19%) * (1-Tc(0.16)))
Discount Rate = 6.78% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -1.74%
[DCF Debug] Terminal Value 86.15% ; FCFF base≈11.73b ; Y1≈12.52b ; Y5≈15.12b
Fair Price DCF = 1078 (EV 419.11b - Net Debt -2.47b = Equity 421.58b / Shares 391.1m; r=6.11% [WACC]; 5y FCF grow 7.60% → 2.90% )
EPS Correlation: 74.55 | EPS CAGR: 19.80% | SUE: 3.34 | # QB: 6
Revenue Correlation: 90.72 | Revenue CAGR: 12.92% | SUE: 3.66 | # QB: 2
EPS next Quarter (2026-03-31): EPS=6.56 | Chg30d=+0.011 | Revisions Net=+3 | Analysts=22
EPS current Year (2026-12-31): EPS=26.68 | Chg30d=+0.369 | Revisions Net=+3 | Growth EPS=+7.6% | Growth Revenue=+5.0%
EPS next Year (2027-12-31): EPS=28.73 | Chg30d=+0.116 | Revisions Net=+4 | Growth EPS=+7.7% | Growth Revenue=+5.1%