Chubb Ltd (CB)
Financials · Property & Casualty Insurance · US stock · S&P 500 component
$359.79
▲ +7.00 (1.98%)
Fair valueFair
$298 −17.1% to fair value
$149fair band $209–$388$447
Day's range
$350.28 – $359.84
52-week range
$262.07 – $364.81
About Chubb Ltd
Chubb is a global property and casualty insurer that also sells accident, health and life insurance. It underwrites commercial coverage for businesses, personal insurance for individuals with higher-value assets, and reinsurance. Revenue comes from premiums paid by customers and investment income earned on its portfolio, and results depend on how claims, including those from natural catastrophes, compare with the premiums collected.
Revenue of $60.8 billion was recorded for the latest twelve months; sales expanded at 11.3% a year across three years. Chubb Ltd converts that into an operating margin of 24.9%. Return on invested capital comes to 14%. A dividend is paid, with a yield of 1.1%, and the X-Ray Score is 55 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $262.07 – $364.81Volume 1,533,342Daily, split-adjusted
Vitals
Market cap$142.0B
52-week range$262.07 – $364.81
Volume (last day)1,533,342
P/E (TTM)12.7
EBIT / EV yield9.2%
Free-cash-flow yield–
Dividend yield1.1%
Revenue (TTM)$60.8B
Net income (TTM)$11.3B
Operating margin24.9%
Return on capital13.6%
Debt incl. leases$18.7B
Cash & securities$2.6B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$298
Fair
−17.1% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.
Price $360
Undervalued < $209Fair $209 – $388Overvalued > $388
Excess-return (bank)
$237
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Average business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Weak
45/100
Expensive against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield9.2%
Fair value vs price0.8×
Growth
Fair
68/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)11.3%
EPS growth (3y)27.5%
Growth consistency100%
Profitability
Fair
55/100
Returns on capital are typical for its sector.
See the numbers →
Return on invested capital13.6%
Operating margin24.9%
Financial health
Weak
49/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score7 / 9
Net debt / EBITDA1.1×
Interest cover19.4×
Dividends
Weak
39/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield1.1%
Dividend growth3.1%
Quarterly results: last 6 quarters
+9.1%
Dec '24
+3.6%
Mar '25
+7.2%
Jun '25
+8.7%
Sep '25
+6.3%
Dec '25
+10.6%
Mar '26
Revenue against the same quarter a year earlier. Latest quarter revenue $14.8B, diluted EPS $5.88.
Compare with peers
ACGL Arch Capital Group Ltd...67 HIG Hartford Insurance Gro...66 PGR Progressive Corp65 CINF Cincinnati Financial C...64Other Property & Casualty Insurance companies by X-Ray Score.
Fundamentals checklist
● 3 Good · ● 8 Average · ● 0 BadCash quality
Earnings backed by cashAverage
Risk models
Piotroski F-ScoreAverage
Growth
EPS growth (3y)Good
Revenue growth (3y)Good
Growth consistencyGood
Balance sheet
Net debt / EBITDAAverage
Interest coverAverage
Valuation
Fair value vs priceAverage
EBIT / EV yieldAverage
Profitability
Return on invested capitalAverage
Operating marginAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 55/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $40.9B | $43.1B | $49.7B | $55.8B | $59.4B |
| Operating income | $10.3B | $7.1B | $10.2B | $12.2B | $13.8B |
| Net income | $8.5B | $5.2B | $9.0B | $9.3B | $10.3B |
| Operating cash flow | $11.2B | $11.3B | $12.6B | $16.2B | $12.8B |
| Operating margin | 25.2% | 16.4% | 20.5% | 21.9% | 23.2% |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $19.24 | $12.39 | $21.80 | $22.70 | $25.68 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bullish
12 bullish · 0 neutral · 4 bearish
Weekly
Strongly bullish
11 bullish · 1 neutral · 0 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 343.8 | Bullish |
| EMA 10 | 346.3 | Bullish |
| SMA 20 | 338.3 | Bullish |
| EMA 20 | 342.2 | Bullish |
| SMA 50 | 340.1 | Bullish |
| EMA 50 | 340.5 | Bullish |
| SMA 100 | 339.2 | Bullish |
| EMA 100 | 337.5 | Bullish |
| SMA 200 | 329.9 | Bullish |
| EMA 200 | 327.9 | Bullish |
Oscillators (daily)
| RSI (14) | 73.12 | Bearish |
| MACD (12, 26) | 3.63 | Bullish |
| Momentum (12) | 10.62 | Bullish |
| Stochastic %K (14) | 99.86 | Bearish |
| Williams %R (14) | -0.14 | Bearish |
| CCI (20) | 182.4 | Bearish |
Pivot points (classic, last session)
S3 343.9 | S2 347.1 | S1 353.4 | Pivot 356.6 | R1 363.0 | R2 366.2 | R3 372.6 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
3.98 USD
Yield on today's price
1.11%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 11 Sep 2026 | 1.0200 |
| 12 Jun 2026 | 1.0200 |
| 13 Mar 2026 | 0.9700 |
| 12 Dec 2025 | 0.9700 |
| 12 Sep 2025 | 0.9700 |
| 13 Jun 2025 | 0.9700 |
| 14 Mar 2025 | 0.9100 |
| 13 Dec 2024 | 0.9100 |
| 13 Sep 2024 | 0.9100 |
| 14 Jun 2024 | 0.9100 |
| 14 Mar 2024 | 0.8600 |
| 14 Dec 2023 | 0.8600 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
CB SEC filings
28 Jul 2026
10-QSEC EDGAR
Quarterly report
21 Jul 2026
8-KSEC EDGAR
Results of operations
10 Jun 2026
8-KSEC EDGAR
Other events
22 May 2026
8-KSEC EDGAR
Director or officer change; Shareholder vote results
20 May 2026
8-KSEC EDGAR
Other events
28 Apr 2026
10-QSEC EDGAR
Quarterly report
21 Apr 2026
8-KSEC EDGAR
Results of operations
3 Apr 2026
DEF 14ASEC EDGAR
Proxy statement
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.