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Chubb Ltd.
CBFinancialsGenerated Sep 5, 2026, 01:21 PM UTC
CB (Chubb Ltd.) analytical snapshot. Revenue grew +6.5% YoY to $59.40B. 5-year revenue CAGR +7.7%; 10y CAGR +7.3%. Net margin at 17.36% (expanding ▲). Market cap $132.49B at $341.59 per share. Trailing P/E 13.30, P/S 2.23, P/B 1.80. Graham number $331.55 (trades above intrinsic). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 8 (data confidence 73%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFilings & Ownership
Latest annual report (10-K) filed Feb 27, 2026. Latest quarterly report (10-Q) filed Jul 28, 2026. 8 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 27, 2026.
- Latest quarterly report (10-Q) filed Jul 28, 2026.
- 8 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~10,000+ recent 13F-HR filings reference Chubb Ltd.; broad institutional reporting.
- Recent filers include ALTRINSIC GLOBAL ADVISORS LLC, ORG Wealth Partners, LLC, ORG Wealth Partners, LLC.
- 20 recent 13G passive institutional ownership notices.
| Filer | Form | Filed |
|---|---|---|
| ALTRINSIC GLOBAL ADVISORS LLC | 13F-HR | May 15, 2026 |
| ORG Wealth Partners, LLC | 13F-HR | Oct 11, 2024 |
| ORG Wealth Partners, LLC | 13F-HR | Jan 10, 2025 |
| Marshall Wace North America L.P. | 13F-HR | Aug 26, 2021 |
| QVR LLC | 13F-HR | Apr 15, 2026 |
| Date | Form | Description |
|---|---|---|
| Jul 21, 2026 | 8-K | 8-K |
| Jun 10, 2026 | 8-K | FORM 8-K |
| May 22, 2026 | 8-K | FORM 8-K |
| May 20, 2026 | 8-K | FORM 8-K |
| Apr 21, 2026 | 8-K | 8-K |
| Mar 11, 2026 | 8-K | FORM 8-K |
| Feb 3, 2026 | 8-K | 8-K |
| Dec 8, 2025 | 8-K | FORM 8-K |
SEC Filing Deep-Analysis
2 risk signal(s), 1 positive signal(s), 1 watch item(s) detected from XBRL filing diff analysis. 2 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- Material weakness in internal controls: The term "material weakness" "internal control" appears in 2 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- NEW: Restatement of financial statements in latest filing: The term "restatement of" "previously issued" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 5 filing(s).
- Operating cash flow exceeds net income: OCF is 1.24x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
- NEW: Off-balance sheet arrangements: Off-balance sheet arrangements appears in recent filings but not in the prior 24-month period. Monitor for materiality.
- Endogenous analysis: 2 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 2 new risk-language term(s) detected in filing text: Restatement of financial statements, Off-balance sheet arrangements.
- Ongoing high-severity risk language: Material weakness in internal controls.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $55.75B | $59.40B | $3.65B | +6.5% |
| Net income | $9.27B | $10.31B | $1.04B | +11.2% |
| Operating cash flow | $16.18B | $12.82B | $-3.37B | -20.8% |
| Total assets | $246.55B | $272.33B | $25.78B | +10.5% |
| Total liabilities | $178.15B | $192.55B | $14.39B | +8.1% |
| Long-term debt | $14.38B | $15.73B | $1.35B | +9.4% |
| Cash & equivalents | $2.55B | $2.47B | $-79.0M | -3.1% |
| Stockholders equity | $64.02B | $73.76B | $9.74B | +15.2% |
| Interest expense | $741.0M | $764.0M | $23.0M | +3.1% |
| Type | Concepts |
|---|---|
| Removed | AmortizationOfFinancingCostsAndDiscounts, AmortizationOfValueOfBusinessAcquiredVOBA, AssumedPremiumsEarned, AssumedPremiumsWritten, AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis, CashAcquiredFromAcquisition, CededPremiumsEarned, CededPremiumsWritten, CurrentIncomeTaxExpenseBenefit, DebtSecuritiesAvailableForSaleAllowanceForCreditLossWriteoff |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Material weakness in internal controls | high | 2 | 2 | Ongoing |
| Restatement of financial statements | high | 5 | 0 | NEW |
| Restructuring | medium | 5 | 1 | Ongoing |
| Off-balance sheet arrangements | medium | 5 | 0 | NEW |
| Related party transactions | low | 5 | 3 | Ongoing |
Fundamentals
Revenue grew +6.5% YoY to $59.40B. 5-year revenue CAGR +7.7%; 10y CAGR +7.3%. Net margin at 17.36% (expanding ▲).
- Revenue grew +6.5% YoY to $59.40B.
- 5-year revenue CAGR +7.7%; 10y CAGR +7.3%.
- Net margin at 17.36% (expanding ▲).
- Return on equity 13.98%, ROA 3.79%, ROIC 0.00%.
- Gross margin 0.00%, operating margin 0.00%.
- Net income up ▲ +11.2% YoY.
- Debt/equity 0.22, current ratio —, net debt $13.69B.
- Asset turnover 0.22 — capital efficiency.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2024 | $55.75B | +12.1% | 0.00 | 0.00 | 16.63 | — | 14.48 |
| 2025 | $59.40B | +6.5% | 0.00 | 0.00 | 17.36 | — | 13.98 |
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Jun 30, 2024 | $13.84B | +16.9% | — | 16.12% |
| Sep 30, 2024 | $14.85B | +7.2% | +7.3% | 15.65% |
| Mar 31, 2025 | $13.35B | +3.6% | -10.1% | 9.97% |
| Jun 30, 2025 | $14.84B | +7.2% | +11.1% | 20.01% |
| Sep 30, 2025 | $16.15B | +8.7% | +8.8% | 17.35% |
| Mar 31, 2026 | $14.77B | +10.6% | -8.5% | 15.70% |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $132.49B at $341.59 per share. Trailing P/E 13.30, P/S 2.23, P/B 1.80. Graham number $331.55 (trades above intrinsic).
- Market cap $132.49B at $341.59 per share.
Price & Technicals
Price $341.59 — uptrend (above 200-DMA); 1-month momentum negative. RSI(14) 50.80.
- Price $341.59 — uptrend (above 200-DMA); 1-month momentum negative.
Macro & Rates
Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.77%.
- Market regime: Risk-on · Supportive.
Risk Scorecard
Composite risk Moderate. Leverage debt/equity 0.22 (low). Earnings stability: net-margin stdev 3.61pp over 19y.
- Composite risk: Moderate.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. Chubb Ltd. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Analytical read
deterministic previewRevenue grew **+6.5%** YoY to $59.40B..
Peer comparison
Rate-sensitive groupHow CB stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
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|---|---|---|
| CME Group Inc. CME | 32 | Neutral |
| Allstate Corp. ALL | 28 | Neutral |
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| Digital Realty Trust DLR | 11 | Neutral |
| U.S. Bancorp USB | 10 | Neutral |
| Simon Property Group SPG | 10 | Neutral |
| Chubb Ltd. CB● you | 8 | Neutral |
| Dominion Energy D | 8 | Neutral |
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