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Chubb Ltd.

CBFinancials

Generated Jul 5, 2026, 08:08 PM UTC

analytical score 23

CB (Chubb Ltd.) analytical snapshot. Revenue grew +15.4% YoY to $49.73B. 5-year revenue CAGR +7.8%; 10y CAGR +11.2%. Net margin at 18.15% (expanding ▲). Market cap $140.08B at $361.17 per share. Trailing P/E 16.57, P/S 2.82, P/B 1.90. Graham number $305.47 (trades above intrinsic). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 23 (data confidence 73%). Descriptive analytics from public filings — not investment advice.

Market cap
$140.08B
387.86M shares
Price
$361.17
NYQ
P/E (ttm)
16.57
Revenue (FY)
$49.73B
YoY +15.4%
Net margin
18.15%
▲ 8.34pp
Free cash flow
—
Risk level
Moderate

Free SEC analysis

— computed from SEC filings, free to read
Free previewFundamentals Analyst

Fundamentals

Fundamentals Analyst
score 65Improving
60% conf

Revenue grew +15.4% YoY to $49.73B. 5-year revenue CAGR +7.8%; 10y CAGR +11.2%. Net margin at 18.15% (expanding ▲).

  • Revenue grew +15.4% YoY to $49.73B.
  • 5-year revenue CAGR +7.8%; 10y CAGR +11.2%.
  • Net margin at 18.15% (expanding ▲).
  • Return on equity 14.10%, ROA 3.66%, ROIC 0.00%.
  • Gross margin 0.00%, operating margin 0.00%.
  • Net income up ▲ +72.1% YoY.
  • Debt/equity 0.22, current ratio —, net debt $13.69B.
  • Asset turnover 0.18 — capital efficiency.
Revenue (FY)
$49.73B
YoY +15.4%
Net margin
18.15%
▲ 8.34pp
ROE
14.10%
ROA 3.66%
ROIC
0.00%
EPS (diluted)
$21.80
FY2025
Free cash flow
—
Debt / equity
0.22
Cash $2.29B
Current ratio
—
Equity $73.79B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
FYRevenueRev YoYGross%Op%Net%FCFROE%
2016$19.17B—0.000.0014.88—9.64
2017$18.99B-1.0%0.000.0014.93—9.73
2018$31.47B+65.7%0.000.0013.14—8.57
2019$32.24B+2.5%0.000.0011.97—7.55
2020$32.72B+1.5%0.000.0012.11—7.87
2021$34.19B+4.5%0.000.0013.03—8.05
2022$35.99B+5.3%0.000.009.82—5.94
2023$40.87B+13.5%0.000.0020.86—14.62
2024$43.10B+5.5%0.000.0012.17—10.38
2025$49.73B+15.4%0.000.0018.15—14.10
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
Quarter endRevenueYoYQoQNet margin
Mar 31, 2025$13.35B+3.6%—9.97%
Jun 30, 2025$28.19B+5.5%+111.1%15.25%
Jun 30, 2025$14.84B-44.5%-47.4%28.98%
Sep 30, 2025$44.34B+6.6%+198.8%16.01%
Sep 30, 2025$16.15B-61.2%-63.6%43.97%
Mar 31, 2026$14.77B+10.6%-8.5%15.70%
Revenue (annual, SEC 10-K)
2016: 19,171
2017: 18,987
2018: 31,469
2019: 32,243
2020: 32,717
2021: 34,186
2022: 35,994
2023: 40,869
2024: 43,097
2025: 49,735
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Profitability trends (%)
0.05.210.415.720.9201620182020202220242025
GrossOperatingNet
Sources:SEC EDGAR — Company Facts (XBRL)
Free previewRegulatory Analyst

Filings & Ownership

Regulatory Analyst
score 5Stable
80% conf

Latest annual report (10-K) filed Feb 27, 2026. Latest quarterly report (10-Q) filed Apr 28, 2026. 7 recent 8-K material-event filings in the index.

  • Latest annual report (10-K) filed Feb 27, 2026.
  • Latest quarterly report (10-Q) filed Apr 28, 2026.
  • 7 recent 8-K material-event filings in the index.
  • Recent insider Form 4s: 0 buy vs 0 sell transactions.
Latest 10-K
Feb 27, 2026
Annual report
Latest 10-Q
Apr 28, 2026
8-K (recent)
7
Insider net
—
0B/0S
13F filers
—
Activist 13D
0
Recent 8-K material events
DateFormDescription
Jun 10, 20268-KFORM 8-K
May 22, 20268-KFORM 8-K
May 20, 20268-KFORM 8-K
Apr 21, 20268-K8-K
Mar 11, 20268-KFORM 8-K
Feb 3, 20268-K8-K
Dec 8, 20258-KFORM 8-K
Sources:SEC EDGAR — Company FilingsSEC EDGAR — Full-Text Search
Free previewSEC Filing Analyst

SEC Filing Deep-Analysis

SEC Filing Analyst
score -1Stable
58% conf

1 positive signal(s), 1 watch item(s) detected from XBRL filing diff analysis. 1 positive signal(s) versus 0 risk signal(s). The filing exhibits more constructive indicators than concerns, though individual risk factors should still be monitored.

  • Operating cash flow exceeds net income: OCF is 1.40x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
  • NEW: Off-balance sheet arrangements: Off-balance sheet arrangements appears in recent filings but not in the prior 24-month period. Monitor for materiality.
  • Endogenous analysis: 1 positive signal(s) versus 0 risk signal(s). The filing exhibits more constructive indicators than concerns, though individual risk factors should still be monitored.
  • 20 disclosure(s) dropped from prior year — reduced reporting granularity.
  • 1 new risk-language term(s) detected in filing text: Off-balance sheet arrangements.
Revenue
$49.73B
+15.4% YoY
Net income
$9.03B
+72.1% YoY
Operating cash flow
$12.63B
+12.2% YoY
Total assets
$246.55B
+6.9% YoY
Total liabilities
$178.15B
+6.7% YoY
Long-term debt
$14.38B
+10.3% YoY
Cash & equivalents
$1.75B
+13.7% YoY
Stockholders equity
$64.02B
+26.7% YoY
Filing quality score
65/100
stable
SEC XBRL metric changes (latest annual vs prior)
MetricPrior yearLatest yearChange% Change
Revenue$43.10B$49.73B$6.64B+15.4%
Net income$5.25B$9.03B$3.78B+72.1%
Operating cash flow$11.26B$12.63B$1.37B+12.2%
Total assets$230.68B$246.55B$15.87B+6.9%
Total liabilities$166.99B$178.15B$11.16B+6.7%
Long-term debt$13.04B$14.38B$1.34B+10.3%
Cash & equivalents$1.54B$1.75B$210.0M+13.7%
Stockholders equity$50.52B$64.02B$13.50B+26.7%
Interest expense$570.0M$672.0M$102.0M+17.9%
XBRL disclosure changes (new vs dropped concepts)
TypeConcepts
RemovedAmortizationOfFinancingCostsAndDiscounts, AmortizationOfValueOfBusinessAcquiredVOBA, AssumedPremiumsEarned, AssumedPremiumsWritten, AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis, CashAcquiredFromAcquisition, CededPremiumsEarned, CededPremiumsWritten, CurrentIncomeTaxExpenseBenefit, DebtSecuritiesAvailableForSaleAllowanceForCreditLossWriteoff
Risk language in filing text (EDGAR full-text search)
TermSeverityRecentPriorStatus
Off-balance sheet arrangementsmedium140NEW
Filing signal breakdown
Red flags: 0
Positive: 1
Watch: 1
Red flags
Positive
Watch
Sources:SEC EDGAR — Company Facts (XBRL)SEC EDGAR — Financial Reports

Unlock the rest

  • Valuation
    Market cap $140.08B at $361.17 per share.
    Pro
  • Price & Technicals
    Price $361.17 — uptrend (above 200-DMA); 1-month momentum positive.
    Pro
  • Macro & Rates
    Market regime: Risk-on · Supportive.
    Pro
  • Risk Scorecard
    Composite risk: Moderate.
    Pro

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3 sections free · 4 Pro sections locked · composite 23

Macro exposure

Rate-sensitive · High sensitivity
Neutral

Macro regime: Risk-on · Supportive. Chubb Ltd. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.

Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
16.59
Fed funds
3.63%
CPI YoY
+4.2%

Analytical read

deterministic preview

Revenue grew **+15.4%** YoY to $49.73B..

Risk
Moderate
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
Open analytical workspace

Peer comparison

Rate-sensitive group

How CB stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.

CompanyScoreMacro
Capital One Financial COF23Neutral
Chubb Ltd. CB● you23Neutral
U.S. Bancorp USB17Neutral
JPMorgan Chase & Co. JPM16Neutral
Prologis Inc. PLD14Neutral
Simon Property Group SPG13Neutral
American Express Co. AXP11Neutral
Bank of America Corp. BAC11Neutral
Visa Inc. V8Neutral
Mastercard Inc. MA8Neutral
Public Storage PSA8Neutral
Dominion Energy D6Neutral
Charles Schwab Corp. SCHW6Neutral
CME Group Inc. CME6Neutral
PNC Financial Services PNC4Neutral
Realty Income Corp. O4Neutral
Travelers Cos. TRV2Neutral
NextEra Energy NEE0Neutral
Duke Energy Corp. DUK0Neutral
Bank of New York Mellon BK0Neutral
Marsh & McLennan MMC0Neutral
Equity Residential EQR0Neutral
Wells Fargo & Co. WFC-1Neutral
Welltower Inc. WELL-1Neutral
Exelon Corp. EXC-3Neutral
Xcel Energy XEL-5Neutral
American International Group AIG-5Neutral
Digital Realty Trust DLR-6Neutral
Allstate Corp. ALL-7Neutral
S&P Global SPGI-8Neutral
American Water Works AWK-9Neutral
Goldman Sachs Group GS-10Neutral
Citigroup Inc. C-11Neutral
Moody's Corp. MCO-13Neutral
Morgan Stanley MS-13Neutral
MetLife Inc. MET-13Neutral
BlackRock Inc. BLK-15Neutral
Equinix Inc. EQIX-16Neutral
American Electric Power AEP-18Neutral
Crown Castle Inc. CCI-18Neutral
American Tower Corp. AMT-35Neutral
Southern Company SO—Neutral
Truist Financial TFC—Neutral