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Earnings transcript
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CB
Chubb Limited
$363.04
4.13
(1.15%)
| Exchange: | NYSE |
| Market Cap: | 140.807B |
| Shares Outstanding: | 105M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Property & Casualty | |||||
| CEO: | Evan G. Greenberg | |||||
| Full Time Employees: | 45000 | |||||
| Address: |
| |||||
| Website: | http://www.chubb.com |
Chubb Limited, headquartered in Zurich, Switzerland, is a global insurer and reinsurer, offering a broad spectrum of products across various markets. In North America, its Commercial Property & Casualty (P&C) division caters to businesses of all scales, from large corporations to small enterprises, providing a wide range of policies. These encompass commercial property, casualty, workers’ compensation, package deals, risk management, financial lines, marine, construction, environmental, medical, cyber risk, surety, and excess casualty, alongside group accident and health insurance. The North America Personal P&C unit serves affluent individuals and high-net-worth families, delivering coverage for homeowners, automobiles (including collector vehicles), valuable possessions, personal and excess liability, travel, and recreational marine risks, complete with related services. Furthermore, its North American Agricultural Insurance arm specializes in multi-peril crop and crop-hail protection, as well as policies for farm and ranch properties and commercial agriculture. Internationally, the Overseas General Insurance segment provides traditional commercial P&C coverage and unique solutions in areas such as financial lines, marine, energy, aviation, political risk, and construction. This division also extends group accident and health, plus conventional and specialized personal lines to corporate clients, mid-market businesses, and smaller customers, distributing products through retail brokers, agents, and other channels. Operating under the Chubb Tempest Re brand, the Global Reinsurance segment furnishes both traditional and specialty reinsurance offerings to property and casualty insurers worldwide. Additionally, Chubb’s Life Insurance division features an array of protection and savings products, including whole life, endowment plans, individual and group term life, medical and health, personal accident, credit life, universal life, and unit-linked contracts. The company primarily distributes its extensive range of insurance and reinsurance solutions through brokers. Chubb Limited, which was founded in 1985, was previously known as ACE Limited before adopting its current name in January 2016.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 50,133,000 | 56,150,000 | 59,783,000 |
| Gross Profit | 13,839,000 | 16,172,000 | 17,605,000 |
| EBITDA | 10,508,000 | 12,519,000 | 14,109,000 |
| Operating Income | 9,526,000 | 11,455,000 | 13,044,000 |
| Net Income | 9,028,000 | 9,272,000 | 10,310,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 230,682,000 | 246,548,000 | 272,327,000 |
| Total Liabilities | 166,991,000 | 178,154,000 | 192,548,000 |
| Total Stockholders Equity | 59,507,000 | 64,021,000 | 73,757,000 |
| Total Debt | 14,495,000 | 15,179,000 | 0 |
| Cash and Cash Equivalents | 2,449,000 | 2,288,000 | 2,470,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 12,632,000 | 16,182,000 | 0 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 12,632,000 | 16,182,000 | 0 |
| Net Income | 9,015,000 | 9,640,000 | 10,310,000 |
| Net Change in Cash | 494,000 | -72,000 | -2,549,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 69,853,569.762 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 74,805,546.370 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 72,155,452.188 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 15,349,514.283 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 16,437,653.887 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 15,855,326.331 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 11,809,958.709 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 14,291,644.286 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 13,050,801.498 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 5,436,927.886 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 5,822,356.144 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 5,616,090.795 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 31.680 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 36.040 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 29.790 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 5 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 7 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: Chubb Limited reported a record core operating EPS of $6 in Q2 2025, reflecting strong profitability. Revenue and net income growth align with historical trends from income statements, supported by consistent operating cash flow and free cash flow as seen in cash flow statements.
- Diversified Business Model: The earnings call transcript highlights a diversified portfolio across product and geographic segments, as evidenced by revenue product and geo segment data, which mitigates risk and drives stable performance.
- Strong Balance Sheet: Balance sheet data indicates healthy liquidity with significant cash and cash equivalents, a favorable current ratio (TTM), and manageable debt-to-equity ratio (TTM), positioning the company well for operational flexibility.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates CB intrinsic value between $421.41 – $589.10 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about CB valuation
Is Chubb Limited (CB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Chubb Limited (CB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is CB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is CB’s P/E ratio?
You can see CB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for CB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is CB a good long-term investment?
Whether CB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
CB
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Daily snapshot
1.15
Trading Metrics:
| Open: | 361.53 | Previous Close: | 358.91 | |
| Day Low: | 360.61 | Day High: | 365.17 | |
| Year Low: | 264.1 | Year High: | 365.29 | |
| Price Avg 50: | 335.33 | Price Avg 200: | 317.1 | |
| Volume: | 513682 | Average Volume: | 1.791M |
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Login — it's freeCB full analysis
Welcome to MARKETSNAP’s SWOT analysis for Chubb Limited, also known by its ticker CB. If you’re a long-term investor looking to build wealth, you’ve likely come across this giant in the insurance space. Today, we’re diving deep into what makes Chubb tick, breaking down its strengths, weaknesses, opportunities, and threats, while sprinkling in some recent developments and financial insights to keep things interesting. Let’s get started with a quick overview of who Chubb is and what’s been happening with them…
