Chubb Ltd. operates as a holding company, which engages in the provision of commercial and personal property and casualty insurance, personal accident and supplemental health insurance (A&H), reinsurance, and life insurance. It operates through the following geographical segments: North America Commercial P&C Insurance, North America Personal P&C Insurance, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance, and Life Insurance. The North America Commercial P&C Insurance segment comprises operations that provide P&C insurance and services to large, middle market, and small commercial businesses in the U.S., Canada, and Bermuda. The 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 Global Reinsurance segment markets reinsurance products worldwide under the Chubb Tempest Re brand name and provides solutions for small to mid-sized clients and multinational ceding companies. The Overseas General Insurance segment comprises Chubb International and Chubb Global Markets. The Life Insurance segment comprises Chubb's international life operations, Chubb Tempest Life Re, and the North American supplemental A&H and life business of Combined Insurance. The company was founded on January 14, 2016 and is headquartered in Zurich, Switzerland.
Highlights
The revenue is up by 5% year-on-year
Chubb's equity has increased by 4.9% QoQ
The P/E is 62% higher than the 5-year quarterly average of 16.2 and 38% higher than the last 4 quarters average of 19.1
The net income has contracted by 42% YoY and by 40% from the previous quarter
Key stats
What are the main financial stats of CB
Market
Shares outstanding
451.37M
Market cap
$57.12B
Enterprise value
$72.09B
Valuations
Price to earnings (P/E)
26.26
Price to book (P/B)
1.04
Price to sales (P/S)
1.66
EV/EBIT
22.05
EV/EBITDA
20.22
EV/Sales
2.09
Earnings
Revenue
$34.47B
EBIT
$3.27B
EBITDA
$3.57B
Free cash flow
$7.33B
Per share
EPS
$4.82
Free cash flow per share
$16.24
Book value per share
$121.32
Revenue per share
$76.36
TBVPS
$355.33
Balance sheet
Total assets
$181.47B
Total liabilities
$126.71B
Debt
$16.67B
Equity
$54.76B
Working capital
N/A
Liquidity
Debt to equity
0.3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.2
Margins
EBITDA margin
10.3%
Gross margin
37%
Net margin
6.3%
Operating margin
9.5%
Efficiency
Return on assets
1.2%
Return on equity
4%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
9.5%
Dividend
Dividend yield
2.39%
DPS
$3.03
Payout ratio
62.9%
CB stock price
How has the Chubb stock price performed over time
Financial performance
How have Chubb's revenue and profit performed over time
Revenue
$34.47B
Gross profit
$12.75B
Operating income
$3.27B
Net income
$2.19B
Gross margin
37%
Net margin
6.3%
The net margin has declined by 45% year-on-year and by 42% since the previous quarter
The net income has contracted by 42% YoY and by 40% from the previous quarter
CB's operating margin is down by 39% year-on-year and by 36% since the previous quarter
Chubb's operating income has decreased by 36% YoY and by 35% from the previous quarter
Valuation
What is Chubb stock price valuation
P/E
26.26
P/B
1.04
P/S
1.66
EV/EBIT
22.05
EV/EBITDA
20.22
EV/Sales
2.09
The P/E is 62% higher than the 5-year quarterly average of 16.2 and 38% higher than the last 4 quarters average of 19.1
CB's EPS is down by 42% year-on-year and by 40% since the previous quarter
CB's price to book (P/B) is 13% lower than its 5-year quarterly average of 1.2 and 13% lower than its last 4 quarters average of 1.2
Chubb's equity has increased by 4.9% QoQ
CB's P/S is 17% below its 5-year quarterly average of 2.0 and 13% below its last 4 quarters average of 1.9
The revenue is up by 5% year-on-year
Efficiency
How efficient is Chubb business performance
Chubb's return on assets has decreased by 46% YoY and by 43% QoQ
CB's ROE is down by 45% year-on-year and by 41% since the previous quarter
The ROIC fell by 41% YoY and by 37% QoQ
CB's ROS is down by 39% year-on-year and by 36% since the previous quarter
Dividends
What is CB's dividend history
DPS
$3.03
Dividend yield
2.39%
Payout ratio
62.9%
Recent dividends
Financial health
How did Chubb financials performed over time
CB's total assets is 43% more than its total liabilities
CB's total liabilities is up by 5% year-on-year and by 4.8% since the previous quarter
CB's total assets is up by 4.8% from the previous quarter and by 4% YoY
The debt is 70% smaller than the equity
CB's debt to equity is up by 7% year-on-year but it is down by 6% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated
quarterly, unless otherwise specified.