NYSE:CB

Stock Analysis Report

Executive Summary

Chubb Limited, through its subsidiaries, provides insurance and reinsurance products worldwide.

Snowflake

Fundamentals

Established dividend payer with adequate balance sheet.


Similar Companies

Share Price & News

How has Chubb's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.1%

NYSE:CB

1.2%

US Insurance

2.1%

US Market


1 Year Return

14.9%

NYSE:CB

8.9%

US Insurance

-0.04%

US Market

CB outperformed the Insurance industry which returned 8.2% over the past year.

CB outperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

CBIndustryMarket
7 Day-0.1%1.2%2.1%
30 Day2.4%-2.8%-3.2%
90 Day4.8%2.0%2.8%
1 Year17.4%14.9%11.5%8.9%2.2%-0.04%
3 Year31.3%23.3%44.1%33.2%41.5%32.3%
5 Year63.1%46.0%65.2%45.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Chubb's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Chubb undervalued based on future cash flows and its price relative to the stock market?

9%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Chubb's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Chubb's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Chubb is overvalued based on earnings compared to the US Insurance industry average.

Chubb is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Chubb is poor value based on expected growth next year.


Price Based on Value of Assets

Chubb is overvalued based on assets compared to the US Insurance industry average.


Next Steps

Future Growth

How is Chubb expected to perform in the next 1 to 3 years based on estimates from 14 analysts?

8.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Chubb's revenue is expected to grow by 3.3% yearly, however this is not considered high growth (20% yearly).

Chubb's earnings are expected to grow by 8.7% yearly, however this is not considered high growth (20% yearly).

Chubb's revenue growth is positive but not above the United States of America market average.

Chubb's earnings growth is positive but not above the United States of America market average.

Chubb's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Chubb is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Chubb performed over the past 5 years?

8.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Chubb's year on year earnings growth rate has been positive over the past 5 years.

Chubb's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Chubb's 1-year earnings growth is negative, it can't be compared to the US Insurance industry average.


Return on Equity

Chubb has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Chubb used its assets more efficiently than the US Insurance industry average last year based on Return on Assets.


Return on Capital Employed

Chubb has improved its use of capital last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is Chubb's financial position?


Financial Position Analysis

Chubb's short term (1 year) commitments are greater than its holdings of cash and other short term assets.

Chubb's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Chubb's level of debt (31.5%) compared to net worth is satisfactory (less than 40%).

The level of debt compared to net worth has increased over the past 5 years (25.3% vs 31.5% today).

Debt is well covered by operating cash flow (35.4%, greater than 20% of total debt).

Interest payments on debt are well covered by earnings (EBIT is 7.6x coverage).


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 2.1x debt.


Next Steps

Dividend

What is Chubb's current dividend yield, its reliability and sustainability?

1.99%

Expected Dividend Yield


Upcoming Dividend Payment

Purchase Chubb before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Chubb's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Chubb's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.8x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (3.7x coverage).


Next Steps

Management

What is the CEO of Chubb's salary, the management and board of directors tenure and is there insider trading?

7.1yrs

Average management tenure


CEO

Evan Greenberg (64yo)

15.3yrs

Tenure

US$20,357,484

Compensation

Mr. Evan G. Greenberg serves as the Chief Executive Officer of Chubb Tempest Reinsurance Limited and served as its President. Mr. Greenberg has been the Chief Executive Officer at Chubb Limited since May 2 ...


CEO Compensation Analysis

Evan's remuneration is higher than average for companies of similar size in United States of America.

Evan's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

7.1yrs

Average Tenure

61yo

Average Age

The average tenure for the Chubb management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

12.3yrs

Average Tenure

70yo

Average Age

The average tenure for the Chubb board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

Chubb individual insiders have only sold shares in the past 3 months.


Recent Insider Transactions

SellUS$948,90015 Aug 19
John Lupica
EntityIndividual
Role
Senior Key Executive
Vice Chairman and President of North America Major Accounts & Specialty Insurance
Shares6,000
Max PriceUS$158.15
SellUS$326,65501 Aug 19
Paul Medini
EntityIndividual
Role
Chief Accounting Officer
Chief Accounting Officer
Shares2,125
Max PriceUS$153.72
SellUS$32,097,04819 Jun 19
Evan Greenberg
EntityIndividual
Role
Chief Executive Officer
Chairman & CEO
Shares215,648
Max PriceUS$148.84
SellUS$3,716,00010 Jun 19
Timothy Boroughs
EntityIndividual
Role
Senior Key Executive
Executive VP & Chief Investment Officer of Chebb Group
Shares25,000
Max PriceUS$148.64
SellUS$7,438,50010 Jun 19
Philip Bancroft
EntityIndividual
Role
Chief Financial Officer
EVP & CFO
Shares50,000
Max PriceUS$148.77
SellUS$1,510,95305 Jun 19
Paul Krump
EntityIndividual
Role
Senior Key Executive
EVP of Chubb Group and President of N.A. Commercial & Personal Insurance
Shares10,250
Max PriceUS$147.41
SellUS$400,18003 Jun 19
Paul Medini
EntityIndividual
Role
Chief Accounting Officer
Chief Accounting Officer
Shares2,750
Max PriceUS$145.52
SellUS$726,10003 Jun 19
Juan Andrade
EntityIndividual
Shares5,000
Max PriceUS$145.22
SellUS$1,522,24828 May 19
John Lupica
EntityIndividual
Role
Senior Key Executive
Vice Chairman and President of North America Major Accounts & Specialty Insurance
Shares10,400
Max PriceUS$146.37
SellUS$283,73713 May 19
Michael Atieh
EntityIndividual
Shares2,000
Max PriceUS$141.87
SellUS$2,412,77115 Mar 19
John Lupica
EntityIndividual
Role
Senior Key Executive
Vice Chairman and President of North America Major Accounts & Specialty Insurance
Shares17,879
Max PriceUS$134.95
SellUS$159,92430 Nov 18
Michael Atieh
EntityIndividual
Shares1,200
Max PriceUS$133.27
SellUS$5,31821 Nov 18
Juan Andrade
EntityIndividual
Shares40
Max PriceUS$132.95
SellUS$8,629,46621 Sep 18
Evan Greenberg
EntityIndividual
Role
Chief Executive Officer
Chairman & CEO
Shares61,310
Max PriceUS$140.87

Ownership Breakdown


Management Team

  • Evan Greenberg (64yo)

    Chairman & CEO

    • Tenure: 15.3yrs
    • Compensation: US$20.36m
  • Ken Koreyva (63yo)

    Senior Vice President of Chubb Group Finance

    • Tenure: 0.4yrs
  • Tim Boroughs (69yo)

    Executive VP & Chief Investment Officer of Chebb Group

    • Tenure: 0.0yrs
  • Phil Bancroft (59yo)

    EVP & CFO

    • Tenure: 17.6yrs
    • Compensation: US$5.04m
  • Paul Krump (59yo)

    EVP of Chubb Group and President of N.A. Commercial & Personal Insurance

    • Tenure: 3.6yrs
    • Compensation: US$6.20m
  • Paul Medini (61yo)

    Chief Accounting Officer

    • Tenure: 0.0yrs
    • Compensation: US$1.63m
  • John Lupica (53yo)

    Vice Chairman and President of North America Major Accounts & Specialty Insurance

    • Tenure: 0.0yrs
    • Compensation: US$6.21m
  • Joe Wayland (61yo)

    Executive VP

    • Tenure: 6.1yrs
  • John Keogh (54yo)

    Executive Vice Chairman & COO

    • Tenure: 8.1yrs
    • Compensation: US$7.86m
  • Karen Beyer

    Senior Vice President of Investor Relations

    • Tenure: 0.0yrs

Board Members

  • Evan Greenberg (64yo)

    Chairman & CEO

    • Tenure: 15.3yrs
    • Compensation: US$20.36m
  • Robert Hernandez (74yo)

    Independent Lead Director

    • Tenure: 15.3yrs
    • Compensation: US$431.87k
  • Mike Connors (64yo)

    Director

    • Tenure: 8.3yrs
    • Compensation: US$316.00k
  • Mary Cirillo-Goldberg (72yo)

    Director

    • Tenure: 13.3yrs
    • Compensation: US$370.87k
  • Gary Schmalzriedt (72yo)

    Chairman of ACE INA Holdings

    • Tenure: 15.7yrs
    • Compensation: US$5.11m
  • Olivier Steimer (64yo)

    Director

    • Tenure: 11.1yrs
    • Compensation: US$339.90k
  • Brian Seach (71yo)

    Non-Executive Chairman of ACE South Africa Operations

    • Tenure: 13.6yrs
  • Bob Scully (69yo)

    Director

    • Tenure: 5.3yrs
    • Compensation: US$331.88k
  • Michael Coleman

    VP of Chubb Group

    • Tenure: 1.2yrs
  • Tai-Kuan Ly

    President & Director for General Insurance - Indonesia

    • Tenure: 0.0yrs

Company Information

Chubb Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Chubb Limited
  • Ticker: CB
  • Exchange: NYSE
  • Founded: 1985
  • Industry: Property and Casualty Insurance
  • Sector: Insurance
  • Market Cap: US$70.741b
  • Shares outstanding: 455.75m
  • Website: https://www.chubb.com/us-en

Number of Employees


Location

  • Chubb Limited
  • Baerengasse 32
  • Zurich
  • Zurich
  • 8001
  • Switzerland

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CBNYSE (New York Stock Exchange)YesOrdinary SharesUSUSDMar 1993
AEXDB (Deutsche Boerse AG)YesOrdinary SharesDEEURMar 1993
AEXBST (Boerse-Stuttgart)YesOrdinary SharesDEEURMar 1993
0VQDLSE (London Stock Exchange)YesOrdinary SharesGBUSDMar 1993

Biography

Chubb Limited, through its subsidiaries, provides insurance and reinsurance products worldwide. The company’s North America Commercial P&C Insurance segment offers commercial property, marine, general casu ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:08
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.