-0.88%
-1.43%
-3.57%
-1.20%
11.17%
38.06%
79.20%
AI Spotlight on CB
Company Description
Chubb Limited provides insurance and reinsurance products worldwide.The company's North America Commercial P&C Insurance segment offers commercial property, casualty, workers' compensation, package policies, risk management, financial lines, marine, construction, environmental, medical, cyber risk, surety, and excess casualty; and group accident and health insurance to large, middle market, and small commercial businesses.Its North America Personal P&C Insurance segment provides affluent and high net worth individuals and families with homeowners, automobile and collector cars, valuable articles, personal and excess liability, travel insurance, and recreational marine insurance and services.
The company's North America Agricultural Insurance segment offers multiple peril crop and crop-hail insurance; and coverage for farm and ranch property, and commercial agriculture products.Its Overseas General Insurance segment provides coverage for traditional commercial property and casualty; specialty categories, such as financial lines, marine, energy, aviation, political risk, and construction risk; and group accident and health, and traditional and specialty personal lines for corporations, middle markets, and small customers through retail brokers, agents, and other channels.The company's Global Reinsurance segment offers traditional and specialty reinsurance under the Chubb Tempest Re brand to property and casualty companies.
Its Life Insurance segment provides protection and savings products comprising whole life, endowment plans, individual term life, group term life, medical and health, personal accident, credit life, universal life, and unit linked contracts.The company markets its products primarily through insurance and reinsurance brokers.The company was formerly known as ACE Limited and changed its name to Chubb Limited in January 2016.
Chubb Limited was incorporated in 1985 and is headquartered in Zurich, Switzerland.
Market Data
| Last Price | 272.36 |
| Change Percentage | -0.88% |
| Open | 272.96 |
| Previous Close | 274.78 |
| Market Cap ( Millions) | 109789 |
| Volume | 806873 |
| Year High | 302.05 |
| Year Low | 238.85 |
| M A 50 | 276.66 |
| M A 200 | 272.35 |
Financial Ratios
| FCF Yield | 14.15% |
| Dividend Yield | 1.32% |
| ROE | 16.20% |
| Debt / Equity | 24.53% |
| Net Debt / EBIDTA | 155.84% |
| Price To Book | 1.68 |
| Price Earnings Ratio | 11.02 |
| Price To FCF | 7.07 |
| Price To sales | 2.0 |
| EV / EBITDA | 14.16 |
News
- Jan -29 - Final Trades: Chubb, Fortive Corp, Palo Alto and Taiwan Semi
- Jan -29 - Chubb's Evan Greenberg says insurer just had the best year in its history
- Jan -29 - Chubb (CB) Q4 2024 Earnings Call Transcript
- Jan -29 - Chubb Q4 Earnings Beat on Higher Premiums, Net Investment Income
- Jan -28 - Chubb (CB) Q4 Earnings Surpass Estimates
- Jan -28 - Chubb puts a price tag on its share of L.A. wildfire woes
- Jan -28 - Can The Magnificent 7 Maintain An Upbeat Earnings Season?
- Jan -27 - Chubb Announces Key Leadership Appointments in Overseas General Insurance
- Jan -24 - Why the Market Dipped But Chubb (CB) Gained Today
- Jan -23 - What's in the Cards for Chubb Limited This Earnings Season?
- Jan -23 - Countdown to Chubb (CB) Q4 Earnings: Wall Street Forecasts for Key Metrics
- Jan -17 - Allstate, Chubb, Progressive Face Significant Losses From Wildfires, Weather Events Say Analysts Ahead Of Q4 Reports
- Jan -16 - Chubb (CB) Advances While Market Declines: Some Information for Investors
- Jan -16 - Chubb: An Undervalued Insurance Leader With Compelling Long-Term Growth
- Jan -16 - Insurance Fallout Of The California Fires
- Jan -13 - 2 insurance stocks to buy at a bargain amid LA fires sell-off
- Jan -10 - Insurance Company Stocks Fall as Damage Estimates from California Wildfires Rise
- Jan -08 - 3 No-Brainer Warren Buffett Stocks to Buy Right Now
- Jan -07 - Why the Market Dipped But Chubb (CB) Gained Today
- Jan -06 - Chubb Rises 7.4% but Lags Industry: How to Play the Stock
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> North America Commercial Property and Casualty Insurance
Expected Growth : 8.5 %
What the company do ?
North America Commercial Property and Casualty Insurance from Chubb Limited provides risk management solutions for businesses, covering property, liability, and specialty risks.
Why we expect these perspectives ?
Chubb's North America Commercial Property and Casualty Insurance segment growth of 8.5% is driven by a strong economy, increasing demand for cyber insurance, and a growing middle market. Additionally, Chubb's expertise in risk management and its ability to offer tailored solutions to clients contribute to its growth. Furthermore, the company's strategic partnerships and investments in digital capabilities also support its expansion in this segment.
Segment n°2 -> Overseas General Insurance
Expected Growth : 8.0 %
What the company do ?
Overseas General Insurance from Chubb Limited provides comprehensive coverage for individuals and families living abroad, offering protection against unexpected medical and travel-related expenses.
Why we expect these perspectives ?
Chubb's Overseas General Insurance segment growth of 8.0% is driven by increasing demand for commercial insurance in emerging markets, expansion of distribution channels, and strategic acquisitions. Additionally, a favorable regulatory environment, growing middle-class population, and increasing awareness of insurance products also contribute to the segment's growth.
Segment n°3 -> Life Insurance
Expected Growth : 7.5 %
What the company do ?
Chubb Limited's Life Insurance provides financial protection to beneficiaries in the event of death, offering a range of policies with flexible coverage options.
Why we expect these perspectives ?
Chubb Limited's 7.5% growth in Life Insurance is driven by increasing demand for protection products, expansion in Asia and Latin America, and a strong distribution network. Additionally, the company's digital transformation efforts, product diversification, and strategic partnerships have contributed to its growth momentum.
Segment n°4 -> North America Personal Property and Casualty Insurance
Expected Growth : 8.2 %
What the company do ?
North America Personal Property and Casualty Insurance from Chubb Limited provides coverage for individuals and families, offering protection for homes, autos, and personal liability.
Why we expect these perspectives ?
Chubb's North America Personal Property and Casualty Insurance segment growth of 8.2% is driven by increased demand for high-net-worth insurance products, expansion of digital distribution channels, and strategic partnerships. Additionally, favorable market conditions, rate increases, and a strong brand reputation contribute to the segment's growth.
Segment n°5 -> North America Agricultural Insurance
Expected Growth : 8.8 %
What the company do ?
North America Agricultural Insurance from Chubb Limited provides risk management solutions to farmers and agribusinesses, protecting them from crop failures, livestock losses, and other agricultural risks.
Why we expect these perspectives ?
Strong demand for crop insurance driven by climate change, government subsidies, and increasing adoption of precision farming. Growing awareness of risk management among farmers, expansion of Chubb's distribution network, and favorable regulatory environment also contribute to the 8.8% growth in North America Agricultural Insurance.
Segment n°6 -> Global Reinsurance
Expected Growth : 9.2 %
What the company do ?
Global Reinsurance from Chubb Limited provides risk management solutions to insurers, helping them manage their risk exposure and improve their capital efficiency.
Why we expect these perspectives ?
Chubb Limited's 9.2% growth in Global Reinsurance is driven by increasing demand for catastrophe reinsurance, expansion in emerging markets, and a strong capital position enabling profitable underwriting. Additionally, the company's diversified portfolio, strategic partnerships, and advanced risk management capabilities contribute to its growth momentum.
Segment n°7 -> Segment Measure Reclass
Expected Growth : 8.0 %
What the company do ?
Segment Measure Reclass from Chubb Limited is a reclassification of financial data to provide a more accurate picture of business performance, allowing for better decision-making.
Why we expect these perspectives ?
Chubb Limited's 8.0% segment growth is driven by increasing demand for cyber insurance, expansion in Asia-Pacific markets, and strategic acquisitions. Additionally, the company's focus on digital transformation, improved underwriting capabilities, and favorable pricing trends in commercial lines also contribute to this growth.
Segment n°8 -> Corporate
Expected Growth : 7.0 %
What the company do ?
Chubb Limited is a Swiss-based multinational insurance company, providing property, casualty, and specialty insurance products to individuals and businesses globally.
Why we expect these perspectives ?
Chubb Limited's 7.0% corporate growth is driven by strategic acquisitions, expanding global presence, and a diversified product portfolio. Strong underwriting discipline, favorable pricing trends, and a solid capital position also contribute to growth. Additionally, the company's investments in digital capabilities and data analytics enhance operational efficiency and customer experience, further supporting growth momentum.
Chubb Limited Products
| Product Range | What is it ? |
|---|---|
| Property Insurance | Provides coverage for physical damage to or loss of property, including buildings, equipment, and inventory. |
| Casualty Insurance | Covers liability for accidents, injuries, or damages to others, including workers' compensation and general liability. |
| Marine Insurance | Provides coverage for goods in transit, including ocean and air cargo, as well as marine liability. |
| Energy Insurance | Covers risks associated with energy-related operations, including oil and gas, renewable energy, and utilities. |
| Reinsurance | Provides insurance for insurance companies, helping them manage risk and increase capacity. |
| Cyber Insurance | Covers losses resulting from cyber-attacks, data breaches, and other cyber-related risks. |
| Accident and Health Insurance | Provides coverage for accidental death, dismemberment, and disability, as well as group life and supplemental health insurance. |
| Specialty Insurance | Offers customized coverage for unique risks, including aviation, aerospace, and entertainment. |
Chubb Limited's Porter Forces
Threat Of Substitutes
Chubb Limited operates in the insurance industry, where substitutes are limited. However, customers may opt for self-insurance or alternative risk management strategies, posing a moderate threat.
Bargaining Power Of Customers
Chubb Limited's customers have limited bargaining power due to the company's strong brand reputation and diversified product offerings, making it difficult for customers to negotiate prices or terms.
Bargaining Power Of Suppliers
Chubb Limited has a diversified supply chain, and its suppliers have limited bargaining power due to the company's large scale and global presence.
Threat Of New Entrants
The insurance industry has high barriers to entry, including regulatory hurdles and capital requirements, making it difficult for new entrants to compete with established players like Chubb Limited.
Intensity Of Rivalry
The insurance industry is highly competitive, with many established players competing for market share. Chubb Limited faces intense rivalry from other major insurers, which can lead to pricing pressures and reduced margins.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 23.03% |
| Debt Cost | 3.95% |
| Equity Weight | 76.97% |
| Equity Cost | 7.11% |
| WACC | 6.38% |
| Leverage | 29.92% |
Chubb Limited : Quality Control
Chubb Limited passed 7 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| EBS.VI | Erste Group Bank AG provides a range of banking and other financial services to retail, corporate, real estate, and public sector customers in Austria, Central and Eastern Europe, and internationally. … |
| ACA.PA | Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through Asset Gathering; Large Customers; Specialised Financial Services; French Retail Banking - LCL; and … |
| SREN.SW | Swiss Re AG, together with its subsidiaries, provides wholesale reinsurance, insurance, other insurance-based forms of risk transfer, and other insurance-related services worldwide. The company operates through Property & Casualty Reinsurance, … |
| BBVA.MC | Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail banking, wholesale banking, and asset management services. It offers current accounts; and demand, savings, overnight, time, term, and subordinated … |
| DNB.OL | DNB Bank ASA provides financial services for retail and corporate customers in Norway and internationally. The company offers personal banking products and services, including savings and investment products; loans, such … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
🥇
DNB Bank
A-Score
1-Year Total Return ->
🥈
Swiss Re
A-Score
1-Year Total Return ->
🥉
BBVA
A-Score
1-Year Total Return ->
4
Chubb
A-Score
1-Year Total Return ->
5
Crédit Agricole
A-Score
1-Year Total Return ->
6
