Stock Analysis
Chubb LimitedCB
P/E 12.41×· 5Y range 8.79–16.33×· 60th percentile of history
Sector: Financial Services · Industry: Fire, Marine & Casualty Insurance
AnalystsBuy35 analystsP/E 12.4× sits at the 60th percentile of its 5.0978781656399725-year history.
Cash covers 28% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Profitability72
Risks
- Growth42
- Financial Health48
Mixed picture — no clear quality or value edge.
Bull Case
- ✓ROE 15.2% — efficient capital deployment
- ✓Interest coverage 17.0× — debt well covered
What's happening with CB
Profile
moat, growth and financial health lag behind.
How is each axis scored?
- Valuation62/100 · Moderate
- P/E vs own history (60th pct)12/25
- FCF yield (n/a)10/25
- P/S (2.2x)20/25
- EV/EBIT (10.5x)20/25
- Growth42/100 · Weak
- Revenue CAGR (9.7%)12/25
- Net income CAGR (4.8%)6/25
- EPS CAGR 5Y (7.4%)12/25
- Fwd implied growth (6.1%)12/25
- Profitability72/100 · Moderate
- ROIC (13.2%)12/25
- ROE (15.2%)20/25
- Net margin (18.1%)20/25
- Operating margin (23.4%)20/25
- Financial Health48/100 · Weak
- Altman Z (1.19)3/25
- Current ratio (0.16)0/25
- Interest coverage (17.0x)25/25
- Net cash / debt (D/A 5%)20/25
- Quality55/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.49)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 5.8%)20/25
- Moat18/100 · Weak
- ROIC >12% years (1/10 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 9.8%)18/25
Risk Flags
- ⚠Altman Z 1.2 — distress-zone balance sheet
About Chubb Limited
ACE acquired Chubb in 2016 and assumed the Chubb name. Show more
The combination made the new Chubb one of the largest domestic property and casualty insurers, with operations in over 50 countries spanning commercial and personal P&C insurance, reinsurance, and life insurance.
Headquarters: ZURICH, V8 · Employees: 45,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
62BP/E (TTM)12.4xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 8.8x–16.3x · 60th pct
P/FCF8.9xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield11.3%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)2.25xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.7x–2.4x · 93rd pct
EV/EBIT10.5xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 8.7x–14.4x · 25th pct
EV/Sales2.2xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.7xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.88xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.52B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.13%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio13.7%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
72B+ROIC13.2%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE15.2%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA4.1%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin18.1%A
Grade A: HighNet Income / Revenue
Operating Margin23.4%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
42D+Revenue CAGR9.7%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR4.8%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)7.4%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth6.1%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-14.4%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
48D+Altman Z-Score1.19D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.16xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.00xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage17.0xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT0.9xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.23xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.28xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
55CPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.49A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability5.8%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.22xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Wayland Joseph F Filed | Wayland Joseph F | Tax withholding | -144 | |
CONNORS MICHAEL P Filed | CONNORS MICHAEL P | SellOpen market sale | -5500 | |
Wayland Joseph F Filed | Wayland Joseph F | SellOpen market sale | -8502 | |
Ortega Juan Luis Filed | Ortega Juan Luis | Option exercise | -3886 | |
Ortega Juan Luis Filed | Ortega Juan Luis | SellOpen market sale | -3886 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Ortega Juan Luis Filed | Ortega Juan Luis | Option exercise | +3.9K | |
Keogh John W Filed | Keogh John W | Gift | -1352 | |
Keogh John W Filed | Keogh John W | Gift | +61.0K |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
18EROIC >12% Years1/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor9.8%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$28.99
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$6.81
Cash & short-term investments per share (Finnhub)
Book Value / Share$195.45
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$17.23B
Total debt obligations (short + long term)
Cash & Equiv.$4.84B
Cash and short-term investments
Net Debt$12.39B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$73.76B
Shareholders' equity (book value)
Asset / Liability1.41xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$138.81B
Current Market Capitalization
Beta0.31B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Chubb Limited (CB)
CB is up 1.98% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for Chubb Limited.
- Altman Z-Score of 1.19 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.49 suggests a low likelihood of earnings manipulation.
See how CB ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all CB moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 8 | Regular | 344.14 | +2.82% | 3.56 |
| Oct 8 | After-hours | 343.78 | +2.71% | 3.43 |
Frequently Asked Questions about CB
What is the current Chubb Limited (CB) stock price?
CB is trading at $359.79 at the last market close, up 1.98% on the session. PreMarketPrice tracks CB pre-market, intraday and after-hours prices.
Is CB stock a buy right now?
PreMarketPrice's quantitative model rates Chubb Limited's financial health at 48/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is CB stock overvalued?
Chubb Limited trades at a trailing P/E of 12.4 and our valuation score rates it 62/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Chubb Limited report earnings?
No confirmed earnings date is currently scheduled for CB. The Earnings section lists recent reports and updates as dates are announced.
What sector does Chubb Limited operate in?
Chubb Limited operates in the Financial Services sector, within the Fire, Marine & Casualty Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Chubb Limited do?
ACE acquired Chubb in 2016 and assumed the Chubb name.
About Chubb Limited (CB) Stock
Chubb Limited (CB) is a US-listed stock operating in the Financial Services sector, specifically the Fire, Marine & Casualty Insurance industry. As of the latest update, Chubb Limited is trading at $359.79, up 1.98% on the day with a market capitalization of $138.8 billion. The financial health score for CB is 48/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for CB stock.
CB Stock Analysis & Key Metrics
On PreMarketPrice, you can track Chubb Limited (CB) across multiple dimensions:
- Pre-market price & movement: Real-time CB stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for CB with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Chubb Limited across multiple reporting periods.
- Financial health score: A composite score of 48/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for CB.
- Sector peers: Compare CB against 6 other financial services stocks on key financial metrics.
Is CB a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Chubb Limited (CB) as an investment. The financial health score of 48/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Chubb Limited (CB) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.