Chubb Limited (CB) AI Stock Analysis

Chubb Limited operates across multiple property and casualty insurance and reinsurance segments worldwide. Its North America Commercial P&C Insurance segment offers commercial solutions including property, casualty, workers' compensation, financial lines, cyber risk, marine, environmental, medical, and surety coverage. The North America Personal P&C Insurance segment provides tailored packages for affluent individuals and high net worth families, including homeowners, automobile, valuable articles, collector cars, and recreational marine coverage. The North America Agricultural Insurance segment provides crop-hail and multiple peril crop insurance alongside farm and ranch coverage. Internationally, the Overseas General Insurance segment supplies commercial and personal lines, while Chubb Tempest Re provides global reinsurance.

Chubb expanded annual revenue from $40.77B in FY2021 to $59.78B in FY2025, recording a 5-year CAGR of 10.6%. Annual net income rose from $8.53B in FY2021 to $10.31B in FY2025, while EPS advanced from $12.59 to $24.83 over the same period. Operating margin stood at 21.8% in FY2025, compared to 20.4% in FY2024 and 15.1% in FY2022. For the trailing twelve months ended June 30, 2026, revenue reached $61.90B with a profit margin of 18.1% and an operating margin of 23.5%. In the latest quarter ended June 30, 2026, quarterly revenue grew 6.1% year-over-year, while quarterly earnings fell 0.7%.

As of June 30, 2026, Chubb held $8.21B in cash and short-term investments against total debt of $18.11B, resulting in net debt of $9.90B. Shareholders' equity was $75.37B within total assets of $281.32B, yielding a debt-to-equity ratio of 0.24 and a current ratio of 0.83. Operating cash flow reached $14.54B and free cash flow was $14.54B in FY2025. In FY2025, Chubb deployed cash toward $3.69B in share buybacks and $1.50B in dividends paid, contributing to a 5-year share count change of -9.2%.

At a last close of $359.79, Chubb trades at a trailing P/E of 12.7x and a forward P/E of 11.6x, compared to the median of its S&P 500 Financial Services peers of 14.2x trailing and 12.6x forward. The company's price-to-sales multiple is 2.2x, below the peer group median of 3.1x, while its enterprise value stands at $150.17B with an EV-to-revenue ratio of 2.4x. Chubb's PEG ratio is 2.52 and price-to-book is 1.7x. Over the past year, Chubb delivered a return of 35.8% compared to 16.8% for the S&P 500.

Chubb pays an annual forward dividend of $4.08 per share, representing a dividend yield of 1.13% and a payout ratio of 13.7%. Dividends are distributed quarterly and have been paid for 34 consecutive years. Over the past five years, the dividend has grown at an annualized rate of 4.3%. The company's last ex-dividend date was September 11, 2026.

Wall Street analysts covering Chubb maintain 7 Strong Buy, 2 Buy, 14 Hold, 2 Sell, and 0 Strong Sell ratings. The mean price target is $366.78, representing a 1.9% premium over the last close of $359.79. For the current fiscal year ending December 31, 2026, consensus estimates project EPS of $28.14 on revenue of $49.58B. Chubb beat EPS estimates in each of the last 4 quarters, with its next earnings date scheduled for October 20, 2026.

This page is an AI-written research summary of Chubb Limited (CB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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