Chubb Limited (CB) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
↑
10.89
-6% vs avg
5yr avg: 11.58
30Y Low1.7·High31.1
P/FCF
↑
8.64
+11% vs avg
5yr avg: 7.79
30Y Low2.6·High85.0
P/B Ratio
↑
1.60
+0% 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 12.5x 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 13.4x, the stock trades at a discount of 6%. On a free-cash-flow basis, the stock trades at 8.6x 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 | $125.6B | $123.8B | $113.8B | $93.6B | $93.4B | $85.7B | $69.8B | $71.4B | $60.3B | $68.9B | $61.6B |
| Enterprise Value | $145.3B | $143.5B | $126.8B | $105.7B | $106.3B | $100.2B | $83.0B | $84.8B | $71.7B | $80.7B | $73.7B |
| P/E Ratio → | 12.51 | 12.13 | 12.17 | 10.37 | 17.80 | 10.03 | 19.76 | 16.03 | 15.22 | 17.84 | 14.90 |
| P/S Ratio | 2.10 | 2.07 | 2.03 | 1.87 | 2.17 | 2.10 | 1.94 | 2.09 | 1.85 | 2.13 | 1.96 |
| P/B Ratio | 1.60 | 1.55 | 1.66 | 1.47 | 1.85 | 1.43 | 1.17 | 1.29 | 1.20 | 1.35 | 1.28 |
| P/FCF | 8.64 | 8.51 | 7.03 | 7.41 | 8.30 | 7.68 | 7.13 | 11.26 | 11.00 | 15.29 | 11.63 |
| P/OCF | 8.64 | 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 | 10.89 | 10.75 | 10.77 | 10.74 | 15.70 | 9.94 | 18.64 | 15.26 | 14.34 | 20.27 | 11.29 |
| EV / EBIT | 11.14 | 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 5.7%.
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 (60% below the sector average of 4.1x). 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 | 11.6% | 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 | 12.5 | 10.9 | 8.6 | 29.4% | 21.8% | 13.9% | 10.8% | 1.7 |
 AIG | $42B | 14.3 | 6.8 | 12.6 | 34.5% | 14.5% | 7.4% | 5.9% | 1.3 |
 TRV | $65B | 11.0 | 8.7 | — | 44.3% | 16.0% | 20.7% | 15.3% | 1.1 |
 HIG | $37B | 10.0 | 7.9 | 6.4 | 46.1% | 16.8% | 21.7% | 16.3% | 0.8 |
 ALL | $56B | 5.7 | 4.6 | 5.7 | 33.2% | 19.8% | 39.6% | 29.8% | 0.5 |
 CNA | $12B | 9.3 | 8.5 | 4.9 | 30.7% | 11.0% | 11.5% | 8.9% | 1.8 |
 MKL | $22B | 10.6 | 7.7 | 8.7 | 69.4% | 16.5% | 11.5% | 10.7% | 1.5 |
 WRB | $25B | 14.9 | 10.9 | 7.1 | 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 | $34B | 8.1 | 6.9 | 5.5 | 37.2% | 25.0% | 19.5% | 15.4% | 0.5 |
 AXS | $7B | 8.0 | 6.2 | — | 49.9% | 18.7% | 16.2% | 14.8% | 1.2 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
Full CB Stock Analysis
Analyst consensus, bull case, AI-generated risk factors, and peer comparison — all in one place.
See CB's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs CB Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare CB vs AIG
Side-by-side business, growth, and profitability comparison vs American International Group, Inc..
Start ComparisonCB — 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 12.5x. 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 12.5x. 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 1.18% 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.