Chubb Limited

Insurance - Property & Casualty · Financial Services

Price

$352.16

+8.46 (+2.46%)

Market Cap

$136.59B

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−10.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 443.2M (2021) → 396.5M (2025)

Chubb Limited is one of the largest property and casualty insurance companies in the world. It sells insurance policies that protect people and businesses from financial losses caused by accidents, natural disasters, lawsuits, and other risks. Its main customers range from wealthy individuals to large multinational corporations, and it is especially well known for high-value home, auto, and commercial insurance.

Chubb makes money by collecting premiums from policyholders and investing that money while it waits to pay out claims. The company operates in over 50 countries, with major business in North America, Europe, and Asia, and generates roughly $50 billion in annual premiums. Its competitive edge comes from strong underwriting discipline — meaning it is careful about which risks it agrees to cover — and a well-established brand among affluent and corporate clients. The key risk the business faces is a rise in large catastrophe events, such as hurricanes or wildfires, which can quickly increase claims and pressure profitability.

Winston Score History

Politician Trades

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8 Congressional buys and 6 sells on CB in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+10.3% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+77.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

9.3%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$2.6B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Chubb Limited is a rare growth stock that's already generating positive cash flow while growing at 10%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

46.4%

Healthy — 46.4% gross margin

Operating Margin

0.0%

Thin — 0.0% operating margin

ROCE

0.0%

Weak — 0.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+8.0%

Steady sales growth (8.0% YoY)

EPS YoY

+35.6%

Earnings growing fast (35.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

141%

Turns 141% of profit into real cash

FCF Margin

26.0%

Converts sales into free cash efficiently (26.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.24

Conservative — low debt load (0.24)

Interest Cover

14.57x

Comfortably covers interest (14.6x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

12.4x

Attractive valuation — P/E 12.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

-0.4

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

1.13%

Small dividend — 1.13% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+6.2%

Dividend growing modestly (6.2% YoY)

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