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Chubb Ltd

CB

Fire, Marine & Casualty Insurance

Mkt Cap

$100.9B

PE

11.19

Debt

$14.5B

Cash

$2.621B

EV

$112.7B

FCF

-

Market Cap

$100.9B

P/E Ratio

11.19

Debt

$14.5B

Cash

$2.621B

EV

$112.7B

FCF

-
Charts data: {"Earnings":[{"time":"2014-12-30","value":2853000000},{"time":"2015-12-30","value":2834000000},{"time":"2016-12-30","value":4135000000},{"time":"2017-12-30","value":3861000000},{"time":"2018-12-30","value":3962000000},{"time":"2019-12-30","value":4454000000},{"time":"2020-12-30","value":3533000000},{"time":"2021-12-30","value":8525000000},{"time":"2022-12-30","value":5246000000},{"time":"2023-12-30","value":9015000000}],"Sales":[{"time":"2014-12-30","value":19171000000},{"time":"2015-12-30","value":18987000000},{"time":"2016-12-30","value":31469000000},{"time":"2017-12-30","value":32243000000},{"time":"2018-12-30","value":32717000000},{"time":"2019-12-30","value":34186000000},{"time":"2020-12-30","value":35994000000},{"time":"2021-12-30","value":40963000000},{"time":"2022-12-30","value":43166000000},{"time":"2023-12-30","value":49735000000}],"Net Margins":[{"time":"2014-12-30","value":0.1488185279849773},{"time":"2015-12-30","value":0.14926002001369357},{"time":"2016-12-30","value":0.13139915472369634},{"time":"2017-12-30","value":0.11974692181248643},{"time":"2018-12-30","value":0.12109912278020601},{"time":"2019-12-30","value":0.13028725209149944},{"time":"2020-12-30","value":0.09815524809690504},{"time":"2021-12-30","value":0.20811464004101263},{"time":"2022-12-30","value":0.12153083445304175},{"time":"2023-12-30","value":0.1812606816125465}],"Assets":[{"time":"2014-12-30","value":98248000000},{"time":"2015-12-30","value":102366000000},{"time":"2016-12-30","value":159786000000},{"time":"2017-12-30","value":167022000000},{"time":"2018-12-30","value":167771000000},{"time":"2019-12-30","value":176943000000},{"time":"2020-12-30","value":190774000000},{"time":"2021-12-30","value":200054000000},{"time":"2022-12-30","value":199144000000},{"time":"2023-12-30","value":230682000000}],"Stockholders Equity":[{"time":"2014-12-30","value":29587000000},{"time":"2015-12-30","value":29135000000},{"time":"2016-12-30","value":48275000000},{"time":"2017-12-30","value":51172000000},{"time":"2018-12-30","value":50312000000},{"time":"2019-12-30","value":55331000000},{"time":"2020-12-30","value":59441000000},{"time":"2021-12-30","value":59714000000},{"time":"2022-12-30","value":50540000000},{"time":"2023-12-30","value":63691000000}],"ROE":[{"time":"2014-12-30","value":0.09642748504410721},{"time":"2015-12-30","value":0.09727132315084949},{"time":"2016-12-30","value":0.08565510098394614},{"time":"2017-12-30","value":0.07545141874462596},{"time":"2018-12-30","value":0.07874860868182541},{"time":"2019-12-30","value":0.08049737037103974},{"time":"2020-12-30","value":0.05943708887804714},{"time":"2021-12-30","value":0.14276384097531566},{"time":"2022-12-30","value":0.1037989711119905},{"time":"2023-12-30","value":0.14154276114364667}],"ROA":[{"time":"2014-12-30","value":0.03549181662731048},{"time":"2015-12-30","value":0.0321981908055409},{"time":"2016-12-30","value":0.030978934324659233},{"time":"2017-12-30","value":0.022284489468453256},{"time":"2018-12-30","value":0.027758074995082583},{"time":"2019-12-30","value":0.029664920341578926},{"time":"2020-12-30","value":0.021816390074119115},{"time":"2021-12-30","value":0.04906675197696622},{"time":"2022-12-30","value":0.032981159362069655},{"time":"2023-12-30","value":0.04129494282171994}]}

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. It 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.

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In the chart Earnings are multiplied by this value.

Earnings Growth 11%
Earnings Stability 47%


Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12-201512-201612-201712-201812-201912-202012-202112-202212-2023TTM
Net Margin15%13%12%12%13%9.8%21%12%18%18%
ROA3.2%3.1%2.2%2.8%3%2.2%4.9%3.3%4.1%4.1%
ROE9.7%8.6%7.5%7.9%8%5.9%14%10%14%14%

What is the average Net Margin?

The average Net Margin over the past 5 years is +14.34%.

What is the trend of Net Margin?

The trend of Net Margin over the past 5 years is +1.1%.

What is the average Return on Assets (ROA)?

The average ROA over the past 5 years is +3.38%.

What is the trend of Return on Assets (ROA)?

The trend of ROA over the past 5 years is +0.3%.

What is the average Return on Equity (ROE)?

The average ROE over the past 5 years is +10.11%.

What is the trend of Return on Equity (ROE)?

The trend of ROE over the past 5 years is +1.33%.


Safety & Stabiliy

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12-201512-201612-201712-201812-201912-202012-202112-202212-2023TTM
Debt FCF----------
Debt Equity0.320.270.250.250.270.250.270.290.230.23
MIN
Graham Stability--100%100%100%86%100%95%100%86%

What is the Debt/FCF?

The Debt/FCF trailing twelve month is -.

What is the trend of Debt/FCF?

The trend of Debt/FCF over the past 5 years is -.

What is the Graham’s Stability?

Graham’s Stability measure stands at 0.86.


Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12-201612-201812-202012-2022Trend
Revenue6.8%8.7%11%15%-1.5%
Net Income12%18%37%72%5.2%
Stockholders Equity4%4.8%2.3%26%-2.2%
FCF-----

What is the 5 year Revenue CAGR?

The Revenue CAGR over the past 5 years is +8.74%.

What is the trend of Revenue growth?

The trend of Revenue growth rate over the past 5 years is -1.5%.

What is the 5 year Earnings CAGR?

The Earnings CAGR over the past 5 years is +17.87%.

What is the trend of Earnings growth?

The trend of Earnings growth rate over the past 5 years is +5.16%.

What is the 5 year Equity CAGR?

The Equity CAGR over the past 5 years is +4.83%.

What is the trend of Equity growth?

The trend of Equity growth rate over the past 5 years is -2.25%.

What is the 5 year FCF CAGR?

The FCF CAGR over the past 5 years is -.

What is the trend of FCF growth?

The trend of FCF growth rate over the past 5 years is -.