StonkScan
OverviewRevenueFinancialsValuationOutlookOwnership
Price
Performance · vs S&P 500
Company
Chubb Limited
NYSE · USD
Large cap
61% less volatile
Claude reads this page's data and writes up Chubb Limited's financials, valuation and analyst coverage: built only from the figures here, with nothing pulled in from elsewhere.
Generated by an AI model from the data on this page. It can be wrong, and it isn't investment advice or a recommendation to buy or sell anything. Check every figure against the sections themselves before you rely on it.
$87.0B of current assets against $140.3B due within a year: a shortfall of $53.3B.
Liquidity · FY25
24.0% in FY21 to 21.8% in FY25.
Profitability · FY25
$40.8B in FY21 to $59.8B in FY25, with the latest year up 6.5%, slower than the trend.
Growth · FY25
Free cash flow of $14.5B covers the business without outside capital, on $42.6B of cash and short-term investments.
Liquidity · FY25
$42.6B of cash and short-term investments against $17.6B of total debt.
Liquidity · FY25
$59.8B of revenue against $46.8B of operating costs, leaving $13.0B.
Profitability · FY25
$65.8B of free cash flow against $42.4B of net income across 5 fiscal years.
Quality · FY25
Revenue came in above consensus by 6.7% on average over the last four reports.
Quality · Jul '26
Chubb (CB) closed the most recent trading day at $348.25, moving +2.6% from the previous trading session.
Chubb's strong underwriting, commercial growth and investment income support earnings, while catastrophe losses and softer pricing pose risks.
Stock buybacks among P&C insurers could be coming just in time to help support earnings.
CB's middle-market and overseas commercial growth helps offset large-account property pressure as disciplined underwriting supports earnings.
Chubb Limited (CB) stands out for underwriting consistency, with a 10-year average combined ratio of 89.6% versus 99.5% for the U.S. P&C industry. Chubb is willing to sacrifice premium growth in less attractive commercial segments, using diversification to preserve underwriting margins as pricing softens. Investment income and a growing asset base provide a second earnings engine, while Asian life operations add modest diversification.
Chubb (NYSE: CB - Get Free Report) and Sun Life Financial (NYSE: SLF - Get Free Report) are both large-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, institutional ownership, valuation, profitability and risk. Institutional and Insider Ownership 83.8% of Chubb
Average month-end to month-end move for CBin each calendar month. Point at a bar for that month's spread: past seasonality is a tendency in a small sample, not a forecast.
+$3.6B vs FY24
FY24 → FY25
FY21 → FY25, annualized
+7.9% vs the four before
Q2 FY26 · +6.3% YoY
Share of the latest fiscal year, largest first. The line is the segment across every fiscal year we have: hover it to read one. “Not broken out by segment” is not a reported segment: the filing published no split for FY23, FY24, FY25, so the row carries the whole top line instead of dividing it.
What each segment added to or took off the top line in dollars: ranked by the size of the move, not its percentage.
+6.5% YoY
+0.6 pp YoY
+1.4 pp YoY
+11.2% YoY
+0.7 pp YoY
+12.9% YoY
−10.2% YoY
+5.7% YoY
| $ billions | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Cash & equivalents | 2.3 | 2.3 | 2.4 | 2.0 | 1.7 |
| Short-term investments | 40.3 | 36.9 | 31.3 | 23.8 | 96.3 |
| Receivables | 37.9 | 34.5 | 33.6 | 31.1 | 28.9 |
| $ billions | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Operating cash flow | 14.5 | 16.2 | 12.6 | 11.3 | 11.2 |
| Capital expenditure | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Free cash flow | 14.5 | 16.2 |
No live valuation comparison data for CBright now: the data source didn't return it.
No live peer comparison data for CBright now: the data source didn't return it.
Dots = reported EPS vs consensus · gap = surprise · dashed = estimate ($)
No live analyst coverage for CBright now: the data source didn't return it.
Rows: discount rate (r) · Columns: terminal growth (g∞) · cell = fair value, shaded by up/downside vs 348.
Last 12M · $5M bought · $61M sold · net −$56M
| Inventory |
|---|
| 0.0 |
| 0.0 |
| 0.0 |
| 0.0 |
| 0.0 |
| Total current assets | 87.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|---|
| Property, plant & equipment | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|---|
| Long-term investments | 128.4 | 142.1 | 131.2 | 112.2 | 111.2 |
|---|
| Other non-current assets | 56.9 | 104.5 | 99.5 | 86.8 | 88.9 |
|---|
| Total assets | 272.3 | 246.5 | 230.7 | 199.0 | 200.1 |
|---|
| Accounts payable | 8.3 | 8.1 | 8.3 | 7.8 | 7.2 |
|---|
| Short-term debt | 1.5 | 0.8 | 1.5 | 0.5 | 1.0 |
|---|
| Total current liabilities | 140.3 | 130.2 | 0.0 | 0.0 | 0.0 |
|---|
| Long-term debt | 16.1 | 14.8 | 13.0 | 14.4 | 15.2 |
|---|
| Total liabilities | 192.5 | 178.2 | 167.0 | 148.5 | 140.3 |
|---|
| Shareholders’ equity | 73.8 | 64.0 | 59.5 | 50.5 | 59.7 |
|---|
Fiscal year · latest five reported years
| 12.6 |
| 11.3 |
| 11.2 |
| Investing cash flow | −13.0 | −13.9 | −7.6 | −5.7 | −6.7 |
|---|
| Dividends paid | −1.5 | −1.4 | −1.4 | −1.4 | −1.4 |
|---|
| Share buybacks | −3.7 | −1.8 | −2.4 | −2.9 | −4.9 |
|---|
| Net debt issued / (repaid) | 2.2 | 1.0 | −0.5 | −1.0 | 1.6 |
|---|
| Financing cash flow | −1.9 | −2.2 | −4.5 | −5.1 | −4.4 |
|---|
| Net change in cash | −0.1 | −0.1 | 0.5 | 0.3 | −0.0 |
|---|
Fiscal year · outflows shown negative