Chubb Limited (CB)

FairStock Score: 69/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I’m a value investor, so I begin with durability. Chubb is a global property-and-casualty insurer with six segments, from North America commercial and personal lines to overseas general insurance and reinsurance. That diversification helps spread catastrophe and underwriting risk, and scale matters in a competitive industry. Still, insurance is cyclical and commodity-like; the real test is disciplined underwriting, reserves, and capital allocation. The data lacks a combined ratio, CET1, and NIM, so I cannot directly verify underwriting profitability or bank-style capital and margin measures. The filings are respectable. In fiscal FY2025, the year ended 2025-12-31, Chubb reported revenue of $59.4B, net income of $10.3B, and diluted EPS of $25.68. That compares with revenue of $55.8B, net income of $9.3B, and diluted EPS of $22.70 in fiscal FY2024, the year ended 2024-12-31. In fiscal Q1 2026, the quarter ended 2026-03-31, revenue was $14.8B, net income $2.3B, and diluted EPS $5.88. FairStock calculates ROE of 14.82%, debt-to-equity of 0.31, and a Piotroski F-Score of 6/9. At the 2026-10-13 close of $346.16, FairStock’s P/E is 12.28 and P/B is 1.77. For a 14.8% ROE insurer, that is fair, perhaps mildly attractive. FairStock’s Lynch category is FAST GROWER, based on five-year profit growth of 23.9% a year and revenue growth of 10.5%. The 1.20% dividend yield is modest. My verdict: a solid, diversified insurer at a fair price, with underwriting-cycle and reserve risk the main caveats.

In plain English: Chubb sells property, casualty, and life insurance to businesses and people around the world. The business earns solid profits and has grown over the past few years, but quarterly results can bounce around. At the recent price, the stock looks moderate compared with its profits and net assets, not obviously cheap or expensive.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · fiscal Q1 2025 10-Q (period ended 2025-03-31) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer