Chubb Limited (CB) 10-Year Financial Performance & Capital Metrics

CB • • Insurance & Managed Care

Financial ServicesProperty & Casualty InsuranceCommercial Lines InsuranceDiversified Commercial Lines

AboutChubb 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.Show more

Revenue $56.15B +12.0%
Combined Ratio 79.6% -1.7%
Net Income $9.27B +2.7%
Return on Equity 14.04% -11.2%
Medical Cost Ratio 71.2% -1.7%
Operating Margin 20.4% +7.4%
Net Margin 16.51% -8.3%
ROA 3.89% -7.5%
Equity / Assets 27.74% +0.5%
Book Value per Share 166.04 +8.0%
Tangible BV/Share 95.20 +17.5%
Debt/Equity 0.22 -1.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Profitable underwriting: 79.6% combined ratio
✓Strong 5Y profit CAGR of 15.8%
✓Strong Piotroski F-Score: 7/9
✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y11.34%

5Y10.4%

3Y11.26%

TTM6.38%

Profit (Net Income) CAGR

10Y12.51%

5Y15.79%

3Y2.84%

TTM-3.22%

EPS CAGR

10Y10.43%

5Y18.51%

3Y5.61%

TTM-1.92%

ROCE

10Y Avg3.88%

5Y Avg3.95%

3Y Avg4.16%

Latest4.8%

Peer Comparison

Diversified Commercial Lines

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
SIGISelective Insurance Group, Inc.	5.01B	82.97	25.69	14.87%	7.78%	11.65%	21.33%	0.16
LLoews Corporation	21.32B	103.16	16.09	9.96%	8.07%	7.55%	11.22%	0.50
WRBW. R. Berkley Corporation	26.11B	68.71	15.76	12.32%	13.01%	19.44%	13.68%	0.34
THGThe Hanover Insurance Group, Inc.	6.05B	170.15	14.54	4.25%	9.75%	18.44%	13.15%	0.28
CBChubb Limited	118.5B	301.11	13.26	12%	16.48%	12.43%	13.66%	0.22
CNACNA Financial Corporation	12.56B	46.42	13.19	6.66%	6.84%	8.81%	19.71%	0.28
TRVThe Travelers Companies, Inc.	60.53B	271.34	12.64	12.22%	12.13%	18.58%	14.99%	0.29
AFGAmerican Financial Group, Inc.	11B	131.90	12.48	7.12%	9.7%	16.87%	10.47%	0.33

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	18.97B	31.48B	32.34B	32.68B	34.23B	36.05B	40.77B	42.98B	50.13B	56.15B
Revenue Growth %	-0.01%	0.66%	0.03%	0.01%	0.05%	0.05%	0.13%	0.05%	0.17%	0.12%
Medical Costs & Claims+	12.97B	22.54B	24.91B	24.57B	25.62B	29.04B	29.44B	32.15B	36.29B	39.98B
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	6B	8.94B	7.43B	8.11B	8.61B	7.01B	11.33B	10.83B	13.84B	16.17B
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	0.01%	0.49%	-0.17%	0.09%	0.06%	-0.19%	0.62%	-0.04%	0.28%	0.17%
Operating Expenses+	2.7B	3.99B	3.71B	3.45B	3.36B	2.85B	1.54B	4.34B	4.31B	4.72B
OpEx / Revenue %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	171M	1.58B	260M	339M	305M	290M	287M	285M	310M	323M
Combined Ratio %	-	-	-	-	-	-	-	-	-	-
Operating Income+	3.3B	4.95B	3.72B	4.66B	5.25B	4.16B	9.79B	6.49B	9.53B	11.46B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.05%	0.5%	-0.25%	0.25%	0.13%	-0.21%	1.35%	-0.34%	0.47%	0.2%
EBITDA+	3.47B	6.53B	3.98B	5B	5.55B	4.45B	10.08B	6.77B	9.84B	11.78B
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense	300M	605M	607M	641M	552M	516M	492M	570M	672M	741M
Non-Operating Income	-300M	-605M	-607M	-641M	-552M	-516M	-492M	-570M	-672M	-741M
Pretax Income+	3.3B	4.95B	3.72B	4.66B	5.25B	4.16B	9.79B	6.49B	9.53B	11.46B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	462M	815M	-139M	695M	795M	629M	1.27B	1.24B	511M	1.81B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.83B	4.13B	3.86B	3.96B	4.45B	3.53B	8.53B	5.25B	9.03B	9.27B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.01%	0.46%	-0.07%	0.03%	0.12%	-0.21%	1.41%	-0.38%	0.72%	0.03%
EPS (Diluted)+	8.62	8.87	8.19	8.49	9.71	7.79	19.27	12.39	21.80	22.70
EPS Growth %	0.02%	0.03%	-0.08%	0.04%	0.14%	-0.2%	1.47%	-0.36%	0.76%	0.04%
EPS (Basic)	8.70	8.94	8.26	8.55	9.77	7.82	19.38	12.50	21.97	22.94
Diluted Shares Outstanding	328.84M	465.95M	471.2M	466.8M	458.91M	453.44M	443.2M	423.53M	414.2M	411.91M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	102.31B	159.79B	167.02B	167.77B	176.94B	190.77B	200.05B	199.02B	230.68B	246.55B
Asset Growth %	0.04%	0.56%	0.05%	0%	0.05%	0.08%	0.05%	-0.01%	0.16%	0.07%
Total Investment Assets+	653M	666M	662M	678M	110.57B	205.77B	207.41B	135.98B	162.55B	178.95B
Long-Term Investments	-53.38B	666M	662M	678M	103.17B	110.72B	111.15B	112.21B	131.21B	142.05B
Short-Term Investments	54.03B	0	0	0	89.78B	95.04B	96.25B	23.77B	31.34B	36.9B
Total Current Assets+	1.77B	985M	728M	1.25B	0	0	0	0	0	0
Cash & Equivalents	1.77B	985M	728M	1.25B	1.54B	1.75B	1.66B	2.01B	2.45B	2.29B
Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Assets	-73.01B	-105.85B	-107.05B	-107.76B	-119.7B	-125.84B	-129.84B	-60.02B	-70.62B	-77.06B
Goodwill & Intangibles+	8.97B	26.78B	27.12B	26.64B	21.66B	21.47B	20.9B	25.37B	30.14B	29.18B
Goodwill	4.8B	15.33B	15.54B	15.27B	15.3B	15.4B	15.21B	16.23B	19.69B	19.58B
Intangible Assets	4.18B	11.45B	11.58B	11.37B	6.37B	6.07B	5.69B	9.14B	10.45B	9.6B
PP&E (Net)	938M	1.2B	1.3B	1.7B	0	0	0	0	0	0
Other Assets	141.79B	125.39B	135.45B	135.51B	-124.84B	-132.2B	-132.06B	-137.58B	-161.34B	-171.23B
Total Liabilities	61.41B	99.51B	99.31B	100.16B	121.61B	131.33B	140.34B	148.5B	166.99B	178.15B
Total Debt+	11.1B	14.82B	12.57B	14.32B	14.86B	14.95B	16.17B	14.88B	14.49B	15.29B
Net Debt	7.61B	12.13B	11.84B	11.35B	13.32B	13.2B	14.51B	12.87B	12.05B	13B
Long-Term Debt	9.7B	12.92B	11.86B	12.39B	13.56B	14.95B	15.17B	14.4B	13.04B	14.49B
Short-Term Debt	1.4B	1.9B	2.42B	1.93B	1.3B	0	999M	475M	1.46B	800M
Total Current Liabilities+	4.27B	55.15B	57.72B	56.81B	0	0	0	0	0	0
Accounts Payable	4.27B	5.64B	5.87B	6.44B	6.18B	6.71B	7.24B	7.78B	8.3B	8.12B
Deferred Revenue	0	0	0	0	0	0	0	0	0	0
Other Current Liabilities	27.07B	47.61B	49.43B	48.44B	-7.48B	-6.71B	-8.24B	-8.26B	-9.76B	-8.92B
Deferred Taxes	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Liabilities	63.48B	25.69B	27.27B	28.67B	-14.36B	-15.84B	-15.56B	-14.78B	-14.59B	-16.07B
Total Equity+	29.14B	48.27B	51.17B	50.31B	55.33B	59.44B	59.71B	50.52B	63.69B	68.39B
Equity Growth %	-0.02%	0.66%	0.06%	-0.02%	0.1%	0.07%	0%	-0.15%	0.26%	0.07%
Shareholders Equity	29.14B	48.27B	51.17B	50.31B	55.33B	59.44B	59.71B	50.52B	59.51B	64.02B
Minority Interest	0	0	0	0	0	0	0	0	4.18B	4.37B
Retained Earnings	19.48B	23.61B	27.47B	31.7B	36.14B	39.34B	47.37B	48.3B	54.81B	61.56B
Common Stock	7.83B	11.12B	11.12B	11.12B	11.12B	11.06B	10.98B	10.35B	241M	235M
Accumulated OCI	-735M	-314M	543M	-2.45B	619M	2.87B	350M	-10.19B	-6.81B	-8.64B
Return on Equity (ROE)	0.1%	0.11%	0.08%	0.08%	0.08%	0.06%	0.14%	0.1%	0.16%	0.14%
Return on Assets (ROA)	0.03%	0.03%	0.02%	0.02%	0.03%	0.02%	0.04%	0.03%	0.04%	0.04%
Equity / Assets	-	-	-	-	-	-	-	-	-	-
Debt / Equity	0.38x	0.31x	0.25x	0.28x	0.27x	0.25x	0.27x	0.29x	0.23x	0.22x
Book Value per Share	88.60	103.61	108.60	107.78	120.57	131.09	134.73	119.28	153.77	166.04
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	3.86B	5.29B	4.5B	5.48B	6.34B	9.79B	11.15B	11.26B	12.63B	16.18B
Operating CF Growth %	-0.14%	0.37%	-0.15%	0.22%	0.16%	0.54%	0.14%	0.01%	0.12%	0.28%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	2.83B	4.13B	3.86B	3.96B	4.45B	3.53B	8.53B	5.25B	9.02B	9.64B
Depreciation & Amortization	171M	1.58B	260M	339M	305M	290M	287M	285M	310M	323M
Stock-Based Compensation	0	0	0	0	0	0	0	0	0	0
Deferred Taxes	113M	96M	-527M	16M	-97M	-333M	-84M	318M	-1.12B	96M
Other Non-Cash Items	720M	1.17B	710M	893M	963M	605M	101M	1.98B	2.17B	341M
Working Capital Changes	26M	-1.69B	199M	270M	717M	5.69B	2.32B	3.43B	2.26B	5.78B
Cash from Investing+	-6.29B	-5.32B	-2.42B	-2.94B	-5.91B	-7.52B	-6.66B	-5.65B	-7.65B	-13.92B
Capital Expenditures	0	0	0	0	0	0	0	0	0	0
Acquisitions	264M	-14.8B	-648M	-1.34B	-1.92B	-3.55B	-3.65B	-7.82B	-2.08B	-1.58B
Purchase of Investments	-24.53B	-31.41B	-27.07B	-25.38B	-28.43B	-33.11B	-32.2B	-30.89B	-30.43B	-38.95B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Investing	-263M	556M	554M	447M	733M	437M	1.08B	457M	275M	-15M
Cash from Financing+	3.69B	-742M	-2.32B	-1.99B	-151M	-2.08B	-4.41B	-5.14B	-4.49B	-2.18B
Dividends Paid	-862M	-1.17B	-1.31B	-1.34B	-1.35B	-1.39B	-1.4B	-1.38B	-1.39B	-1.44B
Share Repurchases	-758M	0	-801M	-1.04B	-1.53B	-523M	-4.86B	-2.89B	-2.41B	-1.8B
Stock Issued	0	167M	0	0	0	0	0	0	0	0
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K	1000K
Other Financing	375M	265M	291M	220M	415M	142M	275M	127M	-209M	85M
Net Change in Cash+	1.12B	-797M	-237M	489M	306M	190M	-25M	316M	494M	-72M
Exchange Rate Effect	-1000K	-1000K	1000K	-1000K	1000K	1000K	-1000K	-1000K	-1000K	-1000K
Cash at Beginning	655M	1.77B	1.09B	851M	1.34B	1.65B	1.84B	1.81B	2.13B	2.62B
Cash at End	1.77B	1.09B	851M	1.34B	1.65B	1.84B	1.81B	2.13B	2.62B	2.55B
Free Cash Flow+	3.86B	5.29B	4.5B	5.48B	6.34B	9.79B	11.15B	11.26B	12.63B	16.18B
FCF Growth %	-0.14%	0.37%	-0.15%	0.22%	0.16%	0.54%	0.14%	0.01%	0.12%	0.28%
FCF Margin %	-	-	-	-	-	-	-	-	-	-
FCF per Share	11.75	11.36	9.56	11.74	13.82	21.58	25.16	26.58	30.5	39.29

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Combined Ratio	82.62%	84.28%	88.49%	85.75%	84.67%	88.46%	75.98%	84.91%	81%	79.6%
Medical Cost Ratio	68.37%	71.61%	77.03%	75.18%	74.86%	80.55%	72.2%	74.8%	72.4%	71.2%
Return on Equity (ROE)	9.65%	10.68%	7.76%	7.81%	8.43%	6.16%	14.31%	9.52%	15.81%	14.04%
Return on Assets (ROA)	2.83%	3.16%	2.36%	2.37%	2.58%	1.92%	4.36%	2.63%	4.2%	3.89%
Equity / Assets	28.48%	30.21%	30.64%	29.99%	31.27%	31.16%	29.85%	25.38%	27.61%	27.74%
Book Value / Share	88.6	103.61	108.6	107.78	120.57	131.09	134.73	119.28	153.77	166.04
Debt / Equity	0.38x	0.31x	0.25x	0.28x	0.27x	0.25x	0.27x	0.29x	0.23x	0.22x
Revenue Growth	-1.07%	65.96%	2.73%	1.05%	4.75%	5.32%	13.09%	5.41%	16.66%	12%

Revenue by Segment

	2011	2012	2013	2014	2023	2024
Segment Life	-	-	-	-	6.79B	6.75B
Segment Life Growth	-	-	-	-	-	-0.60%
Property And Casualty Insurance Group	-	-	13.5B	13.7B	-	-
Property And Casualty Insurance Group Growth	-	-	-	1.44%	-	-
Property And Casualty Insurance	-	13.36B	-	-	-	-
Property And Casualty Insurance Growth	-	-	-	-	-	-

Revenue by Geography

	2011	2012	2013	2014	2023	2024
UNITED STATES	9.73B	-	-	10.45B	-	-
UNITED STATES Growth	-	-	-	-	-	-
U S	-	10B	10.21B	-	-	-
U S Growth	-	-	2.09%	-	-	-

Frequently Asked Questions

Valuation & Price

Chubb Limited (CB) has a price-to-earnings (P/E) ratio of 13.3x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Chubb Limited (CB) grew revenue by 12.0% over the past year. This is steady growth.

Yes, Chubb Limited (CB) is profitable, generating $9.68B in net income for fiscal year 2024 (16.5% net margin).

Dividend & Returns

Yes, Chubb Limited (CB) pays a dividend with a yield of 1.16%. This makes it attractive for income-focused investors.

Chubb Limited (CB) has a return on equity (ROE) of 14.0%. This is reasonable for most industries.

Industry Metrics

Chubb Limited (CB) has a combined ratio of 79.6%. A ratio below 100% indicates underwriting profitability.

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