ACE acquired Chubb in 2016 and assumed the Chubb name. 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.
It is a $132B financial services company. Revenue grew 8.0% over the last year, and it keeps 18¢ of every dollar of sales as profit. It trades at 11.8× earnings — around the middle of its own history.
- Website
- chubb.com
- Location
- Zurich, V8
- Employees
- 45 000
- Sector
- Financial Services
- Founded
- 1967
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong valuation; Growth, Health and Moat lag behind.
Valuation82
- P/E vs own history42th pct · 12/25
- FCF yield11.7% · 25/25
- P/S2.1x · 20/25
- EV/EBITDA8.8x · 25/25
Growth48
- Revenue CAGR9.7% · 12/25
- Net income CAGR4.8% · 6/25
- EPS CAGR ~5Y26.9% · 25/25
- Fwd implied growth0.6% · 5/25
Profitability72
- ROIC12.7% · 12/25
- ROE15.2% · 20/25
- Net margin18.1% · 20/25
- Operating margin23.3% · 20/25
Health48
- Altman Z0.54 · 3/25
- Current ratio0.16 · 0/25
- Interest coverage11.6x · 25/25
- Net cash / debtD/A 5% · 20/25
Quality55
- Piotroski F6/9 · 15/25
- Beneish M-2.49 · 20/25
- FCF conversionn/a · 0/25
- Margin stabilityσ 5.8% · 20/25
Moat18
- ROIC >12% years1/10 yrs · 0/25
- Median gross marginn/a · 0/25
- FCF-positive yearsn/a · 0/25
- Worst-year net marginworst 9.8% · 18/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2025FinancialBest year on record$10.3B net income
- FY2024FinancialRevenue crossed $50B$55.8B for the year
- 2024AcquisitionChubb completed the acquisition of Healthy Paws, a U.S.-based managing general agent (MGA) specializing…
- FY2016FinancialProfitable every year on record10 consecutive profitable years in our data
- FY2016FinancialRevenue already above $10B$31.5B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
- 2016AcquisitionThe combined company adopted the Chubb name in January 2016 after the acquisition was completed
- 2015AcquisitionProperty and casualty insurer ACE Limited (ACE) announced that it would acquire the original Chubb…
- 2012AcquisitionThey purchased Indonesian insurer Asuransi Jaya Proteksi
- 2011AcquisitionACE Limited purchased agribusiness insurer Penn Millers
- 2010AcquisitionACE Limited purchased Rain and Hail, LLC for $1.1 billion
- 2008AcquisitionACE purchased the accident and health insurance provider Combined Insurance Company of America (founded by W
- 1999AcquisitionOne of the multiple acquisitions made during this time was the global property and casualty business of Cigna…
- 1990IPOWalter Scott became Chairman, President, and CEO of ACE in 1990 and saw the company listed on the New York Stock…
- 1967FoundedThe Chubb Corporation was incorporated in 1967 and was listed on the New York Stock Exchange in 1984
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Strong cash conversion — FCF is 24.9% of revenue
- Interest covered 11.6× by operating earnings
Watch-outs
- Altman Z-Score 0.54 — elevated financial-distress risk
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+8.0% YoY
- Profitable — makes more than it spends$11.2B TTM
- Profit growing — earnings are higher than last year+27.5% YoY
- Generates cash — cash left after running and investing$15.4B TTM
- Debt under control — could handle its obligations~0.8y of cash flow to repay
- Established company — not a micro-cap — lower blow-up risk$132B market cap
- Not printing shares — share count not ballooning — you keep your slice-11.5% shares over ~5y
- Proven track record — years of profitability behind it10/10 profitable years
- Financially stable — balance sheet not near distressAltman Z 0.5 — distress
- Pays a dividend — returns cash to shareholdersyield 1.16%
- Valuation not extreme — price not wildly above earningsP/E 11.8
Peer comparisonChubb Limited vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| CB this company | $131.9B | 11.8 | +8.0% | 18.1% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: CB vs BRK.A · CB vs BRK.B · CB vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/CB
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Deeper analysis of CB on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $341.80 · market cap $132B.