Chubb Limited (CB) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
↑
10.93
-6% vs avg
5yr avg: 11.58
30Y Low1.7·High31.1
P/FCF
↑
8.68
+11% vs avg
5yr avg: 7.79
30Y Low2.6·High85.0
P/B Ratio
↑
1.61
+1% vs avg
5yr avg: 1.59
30Y Low0.7·High2.2
ROE
↓
13.9%
↓+3% vs avg
5yr avg: 13.5%
30Y Low-3%·High21%
Debt/EBITDA
↑
1.66
+1% vs avg
5yr avg: 1.65
30Y Low0.2·High18.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Chubb Limited trades at 12.6x earnings, roughly in line with its 5-year average of 12.5x, sitting at the 55th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 7%. On a free-cash-flow basis, the stock trades at 8.7x P/FCF, 11% above the 5-year average of 7.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $126.2B | $123.8B | $113.8B | $93.6B | $93.4B | $85.7B | $69.8B | $71.4B | $60.3B | $68.9B | $61.6B |
| Enterprise Value | $145.9B | $143.5B | $126.8B | $105.7B | $106.3B | $100.2B | $83.0B | $84.8B | $71.7B | $80.7B | $73.7B |
| P/E Ratio → | 12.57 | 12.13 | 12.17 | 10.37 | 17.80 | 10.03 | 19.76 | 16.03 | 15.22 | 17.84 | 14.90 |
| P/S Ratio | 2.11 | 2.07 | 2.03 | 1.87 | 2.17 | 2.10 | 1.94 | 2.09 | 1.85 | 2.13 | 1.96 |
| P/B Ratio | 1.61 | 1.55 | 1.66 | 1.47 | 1.85 | 1.43 | 1.17 | 1.29 | 1.20 | 1.35 | 1.28 |
| P/FCF | 8.68 | 8.51 | 7.03 | 7.41 | 8.30 | 7.68 | 7.13 | 11.26 | 11.00 | 15.29 | 11.63 |
| P/OCF | 8.68 | 8.51 | 7.03 | 7.41 | 8.30 | 7.68 | 7.13 | 11.26 | 11.00 | 15.29 | 11.63 |
P/E links to full P/E history page with 30-year chart
CB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Chubb Limited's enterprise value stands at 10.9x EBITDA, 6% below its 5-year average of 11.6x. This is roughly in line with the Financial Services sector median of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.40 | 2.26 | 2.11 | 2.47 | 2.46 | 2.30 | 2.48 | 2.19 | 2.50 | 2.34 |
| EV / EBITDA | 10.93 | 10.75 | 10.77 | 10.74 | 15.70 | 9.94 | 18.64 | 15.26 | 14.34 | 20.27 | 11.29 |
| EV / EBIT | 11.19 | 10.39 | 10.40 | 10.36 | 15.07 | 9.74 | 17.74 | 14.61 | 13.52 | 18.64 | 13.26 |
| EV / FCF | — | 9.87 | 7.84 | 8.36 | 9.44 | 8.98 | 8.48 | 13.36 | 13.07 | 17.92 | 13.92 |
CB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Chubb Limited earns an operating margin of 21.8%, roughly in line with the Financial Services sector average. Operating margins have expanded from 19.0% to 21.8% over the past 3 years, signaling improving operational efficiency. ROE of 13.9% is modest. ROIC of 10.8% represents solid returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 29.4% | 29.4% | 28.8% | 27.6% | 25.2% | 27.8% | 19.4% | 25.1% | 24.8% | 23.0% | 28.4% |
| Operating Margin | 21.8% | 21.8% | 20.4% | 19.0% | 15.1% | 24.0% | 11.5% | 15.3% | 14.3% | 11.5% | 15.7% |
| Net Profit Margin | 17.2% | 17.2% | 16.5% | 18.0% | 12.2% | 20.9% | 9.8% | 13.0% | 12.1% | 11.9% | 13.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.9% | 13.9% | 14.0% | 15.8% | 9.5% | 14.3% | 6.2% | 8.4% | 7.8% | 7.8% | 10.7% |
| ROA | 4.2% | 4.2% | 3.9% | 4.2% | 2.6% | 4.4% | 1.9% | 2.6% | 2.4% | 2.4% | 3.2% |
| ROIC | 10.8% | 10.8% | 10.9% | 10.3% | 7.1% | 10.0% | 4.4% | 6.0% | 5.5% | 4.5% | 7.4% |
| ROCE | 5.3% | 5.3% | 4.8% | 4.4% | 3.3% | 5.0% | 2.3% | 3.0% | 4.2% | 3.5% | 4.9% |
CB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Chubb Limited carries a Debt/EBITDA ratio of 1.7x, which is manageable (61% below the sector average of 4.3x). Net debt stands at $19.7B ($22.2B total debt minus $2.5B cash). Interest coverage of 18.1x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.28 | 0.22 | 0.23 | 0.29 | 0.27 | 0.25 | 0.27 | 0.28 | 0.25 | 0.31 |
| Debt / EBITDA | 1.66 | 1.66 | 1.30 | 1.47 | 2.20 | 1.60 | 3.36 | 2.68 | 2.87 | 3.16 | 2.27 |
| Net Debt / Equity | — | 0.25 | 0.19 | 0.19 | 0.25 | 0.24 | 0.22 | 0.24 | 0.23 | 0.23 | 0.25 |
| Net Debt / EBITDA | 1.48 | 1.48 | 1.10 | 1.22 | 1.90 | 1.44 | 2.97 | 2.40 | 2.27 | 2.97 | 1.86 |
| Debt / FCF | — | 1.36 | 0.80 | 0.95 | 1.14 | 1.30 | 1.35 | 2.10 | 2.07 | 2.63 | 2.29 |
| Interest Coverage | 18.07 | 18.07 | 16.46 | 15.18 | 12.38 | 20.91 | 9.07 | 10.51 | 8.27 | 7.13 | 9.18 |
CB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — | — | — | — | 0.02 | 0.01 | 0.02 |
| Quick Ratio | — | — | — | — | — | — | — | — | 0.02 | 0.01 | 0.02 |
| Cash Ratio | — | — | — | — | — | — | — | — | 0.02 | 0.01 | 0.02 |
| Asset Turnover | — | 0.24 | 0.23 | 0.22 | 0.22 | 0.20 | 0.19 | 0.19 | 0.19 | 0.19 | 0.20 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Chubb Limited returns 4.1% to shareholders annually — split between a 1.2% dividend yield and 2.9% buyback yield. The payout ratio of 14.6% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.2% | 1.2% | 1.3% | 1.5% | 1.5% | 1.6% | 2.0% | 1.9% | 2.2% | 1.9% | 1.9% |
| Payout Ratio | 14.6% | 14.6% | 15.5% | 15.4% | 26.2% | 16.4% | 39.3% | 30.4% | 33.7% | 33.9% | 28.4% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.0% | 8.2% | 8.2% | 9.6% | 5.6% | 10.0% | 5.1% | 6.2% | 6.6% | 5.6% | 6.7% |
| FCF Yield | 11.5% | 11.7% | 14.2% | 13.5% | 12.0% | 13.0% | 14.0% | 8.9% | 9.1% | 6.5% | 8.6% |
| Buyback Yield | 2.9% | 3.0% | 1.6% | 2.6% | 3.1% | 5.7% | 0.7% | 2.1% | 1.7% | 1.2% | 0.0% |
| Total Shareholder Yield | 4.1% | 4.2% | 2.8% | 4.1% | 4.6% | 7.3% | 2.7% | 4.0% | 3.9% | 3.1% | 1.9% |
| Shares Outstanding | — | $397M | $412M | $414M | $424M | $443M | $453M | $459M | $467M | $471M | $466M |
Peer Comparison
Compare CB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CBYou | $126B | 12.6 | 10.9 | 8.7 | 29.4% | 21.8% | 13.9% | 10.8% | 1.7 |
 AIG | $40B | 13.6 | 6.5 | 12.0 | 34.5% | 14.5% | 7.4% | 5.9% | 1.3 |
 TRV | $67B | 11.2 | 8.8 | — | 44.3% | 16.0% | 20.7% | 15.3% | 1.1 |
 HIG | $35B | 9.6 | 7.7 | 6.1 | 46.1% | 16.8% | 21.7% | 16.3% | 0.8 |
 ALL | $57B | 5.8 | 4.7 | 5.8 | 33.2% | 19.8% | 39.6% | 29.8% | 0.5 |
 CNA | $12B | 9.5 | 8.6 | 5.0 | 30.7% | 11.0% | 11.5% | 8.9% | 1.8 |
 MKL | $23B | 10.9 | 8.0 | 9.0 | 69.4% | 16.5% | 11.5% | 10.7% | 1.5 |
 WRB | $25B | 15.1 | 11.1 | 7.3 | 19.8% | 15.9% | 19.6% | 18.2% | 1.2 |
 RNR | $13B | 5.3 | 3.4 | 3.5 | 40.7% | 31.5% | 14.6% | 16.0% | 0.6 |
 ACGL | $32B | 7.8 | 6.6 | 5.3 | 37.2% | 25.0% | 19.5% | 15.4% | 0.5 |
 AXS | $7B | 8.2 | 6.3 | — | 49.9% | 18.7% | 16.2% | 14.8% | 1.2 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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CB — Frequently Asked Questions
Quick answers to the most common questions about buying CB stock.
What is Chubb Limited's P/E ratio?
Chubb Limited's current P/E ratio is 12.6x. The historical average is 15.6x. This places it at the 55th percentile of its historical range.
What is Chubb Limited's EV/EBITDA?
Chubb Limited's current EV/EBITDA is 10.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.4x.
What is Chubb Limited's ROE?
Chubb Limited's return on equity (ROE) is 13.9%. The historical average is 11.4%.
Is CB stock overvalued?
Based on historical data, Chubb Limited is trading at a P/E of 12.6x. This is at the 55th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Chubb Limited's dividend yield?
Chubb Limited's current dividend yield is 1.17% with a payout ratio of 14.6%.
What are Chubb Limited's profit margins?
Chubb Limited has 29.4% gross margin and 21.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Chubb Limited have?
Chubb Limited's Debt/EBITDA ratio is 1.7x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.