CB

Financial Services

Chubb Limited · Insurance - Property & Casualty · $127B

UQS Score — Balanced Preset
58.3
Good

Chubb Limited scores 58.3/100 using the Balanced preset.

UQS vs Financial Services Sector
CB
58.3
Sector avg
39.7
Quality
Good
Moat
Neutral
Growth
Weak
Risk
Good
Valuation
Attractive

What is Chubb Limited?

Chubb Limited is one of the world's largest publicly traded property and casualty insurers, serving commercial and personal clients across more than 50 countries. Headquartered in Zurich, the company operates through a diversified set of insurance and reinsurance segments.

Chubb generates revenue by underwriting insurance and reinsurance policies across commercial, personal, agricultural, and life insurance lines. On the commercial side, it serves businesses ranging from small enterprises to large multinationals. Its personal lines division focuses on affluent and high-net-worth individuals. A dedicated global reinsurance arm — operating under the Chubb Tempest Re brand — rounds out the portfolio, giving the company exposure to both primary insurance and reinsurance markets worldwide.

Chubb Limited was incorporated in 1993 and is headquartered in Zurich, Switzerland.

  • Commercial property and casualty insurance for businesses of all sizes
  • Personal lines coverage including homeowners, auto, and liability for high-net-worth clients
  • Agricultural insurance covering crop, farm, and ranch risks
  • Specialty lines including cyber, marine, aviation, and political risk
  • Global reinsurance products under the Chubb Tempest Re brand

Is CB a Good Stock to Buy?

UQS Score rates CB as Good overall, reflecting a balanced profile with meaningful strengths and some areas to watch.

Chubb's Quality and Risk pillars both earn Good ratings, pointing to a well-managed underwriting operation with disciplined risk controls relative to sector peers. The Valuation pillar is rated Attractive, suggesting the market may not be fully pricing in the company's underlying fundamentals.

The Growth pillar is rated Weak, indicating that near-term expansion may be limited compared to faster-moving peers. The Moat pillar sits at Neutral, meaning competitive advantages are present but not exceptional.

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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.

Does CB pay dividends?

Yes — Chubb Limited pays a dividend.

Chubb pays a regular dividend, consistent with the capital-return culture common among large, established insurers. The company's mature business model and steady underwriting cash flows support ongoing distributions to shareholders. Investors seeking income alongside insurance-sector exposure often consider dividend-paying insurers like Chubb as part of a balanced portfolio.

When does CB report earnings?

Chubb Limited reports earnings on a quarterly cadence, typical for US-listed equities.

Chubb's earnings tend to reflect underwriting performance across its diverse global segments, combined with investment income from its large fixed-income portfolio. Results can be influenced by catastrophe activity in any given quarter, making year-over-year comparisons more meaningful than single-quarter snapshots.

For the most recent quarter's results and guidance, visit Chubb's investor relations page directly.

CB Price History

+108.9% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in Chubb Limited?

$
Today it would be worth
$21,959
That's a +120% total return, or +17.0% annualized.

Based on Chubb Limited's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

CB Long-term Outlook

Chubb's fundamental outlook is shaped by its Good Risk rating and Attractive Valuation, which together suggest the company is positioned conservatively relative to its current price. However, the Weak Growth pillar indicates that meaningful top-line acceleration is not a near-term expectation. The business is more likely to reward patient investors through underwriting discipline and capital returns than through rapid earnings expansion.

Growth drivers

  • Expansion of specialty and cyber insurance lines as corporate demand grows
  • International diversification through the Overseas General Insurance segment
  • Steady investment income supported by a large, high-quality fixed-income portfolio

Key risks

  • Elevated catastrophe losses in any single period could pressure underwriting results
  • Slow growth trajectory may limit upside relative to higher-growth insurance peers
  • Macroeconomic shifts in interest rates directly affect investment income and reserve adequacy

CB vs Peers

Chubb operates in a competitive insurance landscape alongside several large US-based carriers.

PGRSimilar UQS
The Progressive Corporation

Progressive focuses heavily on personal auto insurance and has pursued aggressive growth through direct-to-consumer distribution, contrasting with Chubb's broker-driven, high-net-worth model.

TRVCB scores higher
The Travelers Companies, Inc.

Travelers competes directly in commercial and personal P&C lines but has a stronger US domestic focus compared to Chubb's broad international footprint.

ALLSimilar UQS
The Allstate Corporation

Allstate targets mass-market personal lines customers, while Chubb's personal segment is oriented toward affluent and high-net-worth households.

Frequently Asked Questions

What does Chubb Limited do?

Chubb is a global insurance and reinsurance company. It underwrites commercial and personal property and casualty policies, agricultural coverage, specialty lines such as cyber and marine, and life insurance. The company serves clients ranging from small businesses to large multinationals across more than 50 countries.

Does CB pay dividends?

Yes, Chubb pays a regular dividend. The company's mature underwriting business and consistent cash generation support ongoing shareholder distributions. For the current dividend rate and payment schedule, check Chubb's investor relations page or your brokerage platform.

When does CB report earnings?

Chubb reports financial results on a quarterly cadence, in line with standard practice for US-listed companies. For the exact dates of upcoming earnings releases, refer to Chubb's investor relations page.

Is CB a good stock to buy?

UQS Score rates CB as Good overall. The Quality and Risk pillars are both rated Good, and Valuation is Attractive. The main drag is a Weak Growth rating. Whether CB fits your portfolio depends on your goals — Pro members can view the complete pillar breakdown to inform their own judgment.

Is CB overvalued?

The UQS Valuation pillar for CB is rated Attractive, suggesting the stock may be reasonably priced relative to its fundamentals when compared to sector peers. Full valuation metrics are available to Pro members on the UQS Score platform.

How does CB compare to its competitors?

Chubb differentiates itself through global scale, a high-net-worth personal lines focus, and a diversified specialty and reinsurance portfolio. Peers like Progressive and Allstate lean more heavily on domestic personal auto, while Travelers competes more directly in commercial lines but with a narrower international presence.

What is CB's market cap bracket?

Chubb is classified as a large-cap company, placing it among the bigger publicly traded insurers globally. Large-cap status generally reflects established operations, broader analyst coverage, and greater liquidity for investors.

Who founded Chubb Limited?

The modern Chubb Limited entity was incorporated in 1993. The Chubb brand itself has a longer history rooted in earlier insurance operations. Detailed founding history is widely available through Chubb's official corporate website and public filings.

Is CB a long-term quality stock?

As a long-term quality indicator, CB's Good ratings in Quality and Risk suggest a business with disciplined underwriting and manageable exposure. The Weak Growth pillar is worth monitoring for investors with a long horizon. Pro members can access the full UQS analysis to assess long-term fit.

What is the main competitive advantage of Chubb?

Chubb's breadth — spanning commercial, personal, agricultural, specialty, reinsurance, and life insurance across more than 50 countries — provides diversification that few peers can match. Its focus on affluent personal clients and complex commercial risks also allows for differentiated underwriting rather than pure price competition.

What sector does CB belong to?

Chubb operates in the Financial Services sector, specifically within the insurance industry. It is one of the largest property and casualty insurers in the world by market capitalization, giving it significant weight within insurance-focused indices and ETFs.

Is CB a growth stock or value stock?

Based on UQS pillar ratings, CB leans toward the value side of the spectrum. The Valuation pillar is Attractive while the Growth pillar is Weak, suggesting the market prices the stock modestly relative to fundamentals rather than pricing in rapid earnings expansion.

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Pro Analysis

CB — Score History

5055606570Apr 2Apr 12Apr 22May 2May 12May 22May 24v5
Score changes· 26 most recent
DateUQSQualityMoatGrowthRiskValueChange
May 23, 202658.374.747.027.262.887.10.0
May 22, 202658.374.747.027.262.886.90.0
May 21, 202658.374.747.027.262.887.10.0
May 19, 202658.374.747.027.262.886.8-0.1
May 18, 202658.474.747.027.262.887.50.0
May 16, 202658.474.747.027.362.887.5-0.1
May 15, 202658.574.747.027.362.887.80.0
May 14, 202658.574.747.027.362.888.2+0.1
May 13, 202658.474.747.027.262.887.50.0
May 11, 202658.474.747.027.262.887.7+0.6

CB — Pillar Breakdown

Quality

74.7/100 (25%)

Chubb Limited shows solid profitability with healthy returns on capital and reasonable margins.

Return on EquityStrong

Profitability relative to shareholders' equity.

Operating ProfitabilityModerate

Ability to convert revenue into operating profit.

Net ProfitabilityStrong

Bottom-line profit as a share of revenue.

Cash GenerationStrong

Free cash flow relative to market value.

Growth

27.2/100 (20%)

Chubb Limited faces growth headwinds with declining or stagnant revenue trends.

Recent Revenue TrendWeak

Revenue trajectory over the last twelve months.

3Y Revenue CAGRWeak

Compound annual revenue growth rate over 3 years.

EPS GrowthModerate

Year-over-year earnings per share growth.

Forward Revenue OutlookWeak

Analyst consensus for future revenue growth.

Forward EPS GrowthModerate

Analyst consensus for future earnings growth.

Risk

62.8/100 (15%)

Chubb Limited maintains a reasonable risk profile with manageable debt levels.

Debt/EquityStrong

Total debt relative to shareholder equity.

Current RatioWeak

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageStrong

Earnings capacity relative to interest payments.

Valuation

86.6/100 (15%)

Chubb Limited appears attractively valued relative to its earnings, cash flows, and sector peers.

Earnings YieldStrong

Inverse of forward P/E — higher yield means cheaper stock.

Price to Free Cash FlowStrong

How many years of FCF the market cap represents.

PEG RatioStrong

P/E relative to earnings growth — lower is more attractive.

EV/EBITDA vs SectorModerate

Enterprise value multiple relative to sector median.

Moat

47/100 (25%)

Chubb Limited possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CB.

Score Composition

Quality
74.7×25%18.7
Growth
27.2×20%5.4
Risk
62.8×15%9.4
Valuation
86.6×15%13.0
Moat
47.0×25%11.8
Total
58.3Good

Financial Data

More Stock Analysis

How is the CB UQS Score Calculated?

The UQS (Unified Quality Score) for Chubb Limited is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Chubb Limited's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Chubb Limited is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.