Chubb Limited
- Open
- 340.22
- Day high
- 340.37
- Day low
- 338.26
- Prev close
- 339.92
- Volume
- 1.9M
- Mkt cap
- $130.6B
- P/E (TTM)
- 11.9
- EPS (TTM)
- $28.46
- P/B
- 1.7
- P/S
- 2.1
- Yield
- 1.16%
- Per share
- $3.93
- ▼Insiders net selling -$6.2M over the last 3 months (0 open-market buys, 3 sales)
- 🏛Institutions mixed (13F)
Chubb Limited (CB) is a Financial Services company listed on NYSE. The stock is up 22% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 3 sales (SEC Form 4). Drillr has 1 published research article covering CB.
Chubb Limited (CB) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 12 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
CB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 22, 2026 | $6.77 | $7.26 | +7.2% | $14.7B | -2.5% |
| Apr 22, 2026 | $6.60 | $6.82 | +3.3% | $14.0B | +3.3% |
| Feb 3, 2026 | $6.77 | $7.52 | +11.1% | $15.1B | +16.4% |
| Oct 21, 2025 | $6.17 | $7.49 | +21.4% | $16.1B | +24.3% |
| Jul 22, 2025 | $5.98 | $6.14 | +2.7% | $14.9B | +5.2% |
| Apr 22, 2025 | $3.17 | $3.68 | +16.1% | $13.5B | +4.2% |
| Jan 28, 2025 | $5.33 | $6.02 | +12.9% | $14.3B | +17.1% |
| Jul 23, 2024 | $5.15 | $5.38 | +4.5% | $13.9B | +6.4% |
| Jan 30, 2024 | $5.07 | $8.30 | +63.7% | $13.3B | +25.8% |
| Jul 25, 2023 | $4.41 | $4.92 | +11.6% | $11.8B | +1.9% |
| Jan 31, 2023 | $4.25 | $4.05 | -4.7% | $11.5B | +24.4% |
| Jul 26, 2022 | $3.59 | $4.20 | +17.0% | $9.9B | -0.1% |
CB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 25, 2026 | CONNORS MICHAEL Pdirector | Sell | 5,500 | $345.00 |
| Jul 29, 2026 | Wayland Joseph Fofficer: Executive Vice President and* | Sell | 8,502 | $364.54 |
| Jun 10, 2026 | Ortega Juan Luisofficer: Executive Vice President* | Sell | 3,886 | $322.08 |
| Jun 10, 2026 | Ortega Juan Luisofficer: Executive Vice President* | Option | 3,886 | $139.01 |
| May 29, 2026 | Keogh John Wofficer: President &COO | Sell | 2,824 | $321.95 |
| May 29, 2026 | Keogh John Wofficer: President &COO | Sell | 20,176 | $321.45 |
| May 26, 2026 | BOROUGHS TIMOTHY ALANofficer: Executive Vice President* | Tax | 4,751 | $330.26 |
| May 26, 2026 | ATIEH MICHAEL Gdirector | Sell | 578 | $329.53 |
| May 26, 2026 | Chai Nelsondirector | Tax | 193 | $330.26 |
| May 26, 2026 | Keogh John Wofficer: President &COO | Tax | 29,556 | $330.26 |
| May 26, 2026 | ATIEH MICHAEL Gdirector | Grant | 681 | — |
| May 26, 2026 | TOWNSEND FRANCES Fdirector | Tax | 193 | $330.26 |
| May 26, 2026 | Buese Nancydirector | Grant | 1,135 | — |
| May 26, 2026 | Shasta Theodoredirector | Tax | 193 | $330.26 |
| May 26, 2026 | SIDWELL DAVID Hdirector | Grant | 757 | — |
Source: CB SEC Form 4 filings, latest Aug 25, 2026. For informational purposes only — not investment advice.
See the full CB insider & 13F page →Chubb Limited company profile
Overview
Chubb Limited (NYSE:CB) is a multinational insurance and reinsurance company headquartered in Zurich, Switzerland. Originally incorporated in 1985 as ACE Limited, the company adopted its current name in January 2016 following its acquisition of The Chubb Corporation. With operations spanning across North America, Europe, Asia Pacific, and Latin America, Chubb has grown to become one of the world's largest publicly traded property and casualty insurance companies, serving both commercial enterprises and affluent individual clients through a comprehensive portfolio of insurance products and services.
Business
Chubb operates in the property and casualty insurance industry, providing protection against financial losses from various risks including property damage, liability claims, and personal accidents. The insurance industry functions as a risk transfer mechanism where customers pay premiums in exchange for financial protection against potential future losses. The company operates through six main business segments: North America Commercial P&C Insurance (approximately 40% of total premiums) provides commercial property insurance that covers buildings and equipment against fire, theft, and natural disasters; casualty insurance that protects against third-party liability claims; workers' compensation for employee injuries; and specialized coverage including cyber risk, environmental liability, and marine insurance to large corporations, middle-market businesses, and small commercial enterprises. North America Personal P&C Insurance (approximately 15% of premiums) caters to affluent and high-net-worth individuals with homeowners insurance for luxury properties, automobile coverage including collector cars, valuable articles protection for jewelry and art, personal liability coverage, and recreational marine insurance. Overseas General Insurance (approximately 30% of premiums) offers similar commercial and personal lines internationally, with particular strength in specialty categories such as financial lines (directors and officers liability), marine insurance, energy sector coverage, aviation insurance, political risk protection, and construction insurance across Europe, Asia Pacific, and Latin America. Global Reinsurance (approximately 8% of premiums) operates under the Chubb Tempest Re brand, providing reinsurance to other insurance companies by assuming portions of their risk in exchange for premium payments, helping insurers manage their capital and exposure. North America Agricultural Insurance (approximately 3% of premiums) offers crop insurance protecting farmers against weather-related losses and coverage for farm property and commercial agriculture operations. Life Insurance (approximately 4% of premiums) provides life insurance products, health coverage, and savings products primarily in Asia, including whole life, term life, medical insurance, and investment-linked policies.
Revenue model
Chubb generates revenue primarily through insurance premiums collected from policyholders in exchange for risk coverage. The company's business model relies on the fundamental insurance principle of collecting more in premiums than it pays out in claims and expenses, generating an underwriting profit. Additionally, Chubb invests the premiums collected (called "float") in bonds, stocks, and other securities, earning investment income that has become increasingly significant, contributing approximately $6.4 billion annually. The company's customers span from large multinational corporations requiring complex commercial coverage to affluent individuals seeking high-value personal insurance. Commercial clients typically purchase insurance through brokers and agents, while personal lines customers may work directly with Chubb or through independent agents specializing in high-net-worth clientele. Several factors influence Chubb's profitability margins. Favorable factors include rising interest rates that increase investment income on the company's $151 billion investment portfolio, disciplined underwriting that maintains pricing power above loss cost trends, geographic diversification that spreads catastrophe risk, and the company's focus on less commoditized specialty lines and affluent customer segments that command premium pricing. Challenging factors include natural catastrophes that can generate significant claims (such as the $1.5 billion California wildfire losses), social inflation driving up liability claim costs, competitive pressure in certain lines like financial coverage, and economic downturns that can increase claim frequency while reducing premium growth. The company's strong market position in specialty lines and high-net-worth segments provides some insulation from pure price competition, while its global diversification helps balance regional market cycles.
Competitive moat
Chubb possesses a strong economic moat built on several sustainable competitive advantages. The company's primary moat stems from its brand reputation and specialized expertise in serving high-net-worth individuals and complex commercial risks, where relationships and trust matter more than price alone. This customer segment values Chubb's financial stability, claims-paying ability, and sophisticated risk management capabilities, creating switching costs and pricing power. The company's scale advantages are significant, with $246 billion in total assets providing financial strength that smaller competitors cannot match. This scale enables Chubb to underwrite larger risks, maintain lower capital costs, and invest heavily in technology and data analytics. The company's global distribution network and relationships with brokers create barriers for new entrants, while its diversified geographic presence reduces concentration risk. Chubb's underwriting expertise and data advantages represent another moat component. The company has developed sophisticated risk assessment capabilities over decades, particularly in specialty lines like cyber insurance, political risk, and high-value personal lines. This expertise, combined with advanced analytics and AI capabilities, enables better risk selection and pricing than less specialized competitors. However, the insurance industry faces potential disruption from insurtech companies leveraging technology to streamline processes and reduce costs, particularly in more commoditized personal lines. Climate change poses long-term challenges by increasing catastrophe frequency and severity, potentially making some risks uninsurable. Additionally, regulatory changes and economic cycles can compress margins across the industry. Despite these challenges, Chubb's focus on specialty lines, affluent customers, and complex commercial risks provides more defensibility than commodity insurance markets.
Risks & safety
Chubb demonstrates a strong margin of safety with robust financial metrics and conservative capital management. • Financial Strength: Minimal solvency risk with $68.4 billion in shareholders' equity, debt-to-equity ratio of 0.24, and strong cash generation of $16.2 billion from operations in 2024 • Liquidity: $2.3 billion in cash and short-term investments, plus $151 billion in invested assets providing substantial liquidity buffer • Valuation Metrics: Trading at reasonable multiples with P/E ratio of 12.0x based on 2024 earnings, price-to-book of 1.74x, and EV/EBITDA of 10.2x • Profitability: Strong ROE of 14.5% and consistent underwriting profitability with combined ratios consistently below 90% • Capital Allocation: Disciplined approach with regular dividend payments and share repurchases, returning substantial capital to shareholders while maintaining growth investments • Regulatory Capital: Well-capitalized above regulatory requirements across all jurisdictions, providing cushion for adverse events
Recent development
Over the past few years, Chubb has executed several strategic initiatives to strengthen its market position and drive growth. The company completed a significant expansion in Asia through the acquisition of Cigna's life and accident & health business in 2022, doubling its life insurance premiums and establishing stronger presence in high-growth Asian markets including Korea, Hong Kong, Taiwan, and Southeast Asia. Technology investment has been a major focus, with Chubb spending approximately $1.1-1.2 billion annually on technology infrastructure, data analytics, and AI capabilities. These investments aim to modernize underwriting processes, enhance claims handling, and improve customer experience while maintaining the company's competitive edge in risk assessment. The company has pursued selective geographic expansion, recently acquiring Liberty Mutual's operations in Thailand and Vietnam to strengthen its Southeast Asian presence. However, management has taken a more cautious approach toward China, limiting additional capital deployment due to geopolitical uncertainties. Product line optimization has involved maintaining disciplined underwriting standards while selectively growing in profitable segments. The company has reduced exposure in challenging markets like California property insurance due to wildfire risks while expanding in middle-market commercial lines and high-net-worth personal insurance globally. In reinsurance, Chubb has grown its Global Reinsurance segment by over 40% in some quarters, capitalizing on improved market conditions. The company has also focused on capital allocation discipline, balancing growth investments with shareholder returns through consistent dividend increases and opportunistic share repurchases, while maintaining strong balance sheet flexibility for both organic growth and potential acquisitions.
CB company profile · for informational purposes only — not investment advice.
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