Chubb Limited (CB)
Forward P/E is 12.38x against a peer median of 10.51x, a ratio of 1.18x — just above the fair range — with trailing P/E 12.53x and PEG 1.70. Latest-quarter revenue grew 10.6% year over year (PRIMARY, EDGAR), far above the group median, but the PEG of 1.70 is above the ~1.5 level needed to excuse the premium on growth alone. Delivered demand check: the Property & casualty insurance group's median growth was 0.5% year over year — demand steady across the group, while Chubb grew much faster.
What would change this label: Move to FAIRLY PRICED if the forward P/E compresses to about 12.09x or below (1.15x the peer median) at unchanged estimates, or if the PEG falls to about 1.5 or below with revenue growth holding above 10% year over year. Move further from fair value if revenue growth falls below 0.5% year over year while the forward multiple stays above 12.38x.
Chubb is a large global insurer for businesses and wealthy households. Its shares cost about 12 times next year's expected profit, a little more than similar insurers at about 11 times. Its sales grew strongly at about 11%, which explains part of the premium, but not quite all of it — the shares look slightly expensive.
Both lines start at 100 on 2020-09-01. Over the full window Chubb Limited returned +185.32% and the S&P 500 +118.28% (price returns; dividends not reinvested). Worst peak-to-trough fall for Chubb Limited: -20.0% (2023-01-26 to 2023-06-28). Source: Nasdaq official daily history.
What the label rests on
Forward P/E is 12.38x against a peer median of 10.51x, a ratio of 1.18x — just above the fair range — with trailing P/E 12.53x and PEG 1.70. Latest-quarter revenue grew 10.6% year over year (PRIMARY, EDGAR), far above the group median, but the PEG of 1.70 is above the ~1.5 level needed to excuse the premium on growth alone. Delivered demand check: the Property & casualty insurance group's median growth was 0.5% year over year — demand steady across the group, while Chubb grew much faster. The company’s forward P/E is 12.4× against a peer median of 10.5×. Its own history: UNVERIFIED — no sourced range available. Sector demand read: Delivered demand check: the Property & casualty insurance group's median latest-quarter revenue growth was 0.5% year over year (SEC filings) — demand steady. Latest-quarter sales growth was +10.6% versus a year earlier (SEC filings).
| Company | Price (Oct 28, 2026) | Forward P/E | Trailing P/E |
|---|---|---|---|
| Chubb Limited (CB) | $358.00 | 12.4× | 12.5× |
| PGR | $225.34 | 14.0× | 11.3× |
| TRV | $398.72 | 13.0× | 10.4× |
| ALL | $251.16 | 8.6× | 5.0× |
| HIG | $133.29 | 9.9× | 8.1× |
| ACGL | $102.49 | 10.5× | 8.4× |
| Peer median | 10.5× |
Multiples: stockanalysis.com (SECONDARY, S&P Global data), fetched Oct 28, 2026. Peer set chosen by sector; the median is the middle value of the set. The label and its numbers were recorded in the programme’s label registry on Oct 28, 2026 and will be scored at 6 and 12 months.
Sales, profit and cash
This company does not report a gross-profit line in its SEC facts (normal for banks, payment networks and some health insurers), so profit is shown as net income instead — gross margin is marked UNVERIFIED-absent rather than estimated.
Free cash flow by quarter is not shown for Chubb Limited. Its SEC cash-flow facts do not separately tag spending on plant and equipment (normal for a bank), so a quarterly free-cash-flow figure cannot be built without estimating — and this programme does not estimate.
| Quarter | Sales | Gross margin | Net income | EPS (GAAP, diluted) | Free cash flow |
|---|---|---|---|---|---|
| Q/E Mar 2026 2026-03-31 | $14.8B | — | $2.3B | 5.88 | — |
| Q/E Dec 2025 2025-12-31 | $15.1B | — | $3.2B | — | — |
| Q/E Sep 2025 2025-09-30 | $16.1B | — | $2.8B | 6.99 | — |
| Q/E Jun 2025 2025-06-30 | $14.8B | — | $3.0B | 7.35 | — |
| Q/E Mar 2025 2025-03-31 | $13.4B | — | $1.3B | 3.29 | — |
| Q/E Dec 2024 2024-12-31 | $14.2B | — | $2.6B | — | — |
| Q/E Sep 2024 2024-09-30 | $14.8B | — | $2.3B | 5.70 | — |
| Q/E Jun 2024 2024-06-30 | $13.8B | — | $2.2B | 5.46 | — |
| Q/E Mar 2024 2024-03-31 | $12.9B | — | $2.1B | 5.23 | — |
| Q/E Dec 2023 2023-12-31 | $13.0B | — | $3.3B | — | — |
| Q/E Sep 2023 2023-09-30 | $13.9B | — | $2.0B | 4.95 | — |
| Q/E Jun 2023 2023-06-30 | $11.8B | — | $1.8B | 4.32 | — |
The last twelve reported quarters. Full 23-quarter history sits in the data pack behind this page. A dash means the figure is not tagged as a standalone quarter in the company’s SEC facts (the usual case is the fourth quarter, which many companies only report inside the full-year filing) — it is missing, not zero.
Earnings: getting better or worse?
Each box is one quarter’s earnings per share (EPS). Green means EPS was higher than the same quarter a year earlier; red means lower; a dash means the figure is not tagged in the filings.
Basis: GAAP diluted EPS from SEC company facts, compared with the same quarter a year earlier.
Key facts
| Item | Value |
|---|---|
| Company (legal name in filings) | Chubb Ltd |
| Chief executive | Evan G. Greenberg (source: https://www.marketbeat.com/earnings/reports/2026-7-21-chubb-limited-stock/) |
| Sector | Financials — Property & Casualty Insurance — sells commercial and personal property and casualty insurance worldwide |
| Share price (Oct 28, 2026) | $358.00 |
| Market value (market cap) | $138.2B — share price times shares outstanding of 387,860,106 (SEC filings; SEC EDGAR dei EntityCommonStockSharesOutstanding (latest)) |
| Sales, last twelve months | $60.8B |
| Net income, last twelve months | $11.3B |
| Free cash flow, last twelve months | — |
| Latest reported quarter | Q/E Mar 2026 (of 23 quarters in the data pack) |
| Six-year price return vs S&P 500 | +185.32% vs +118.28% |
| Worst peak-to-trough fall | -20.0% (2023-01-26 to 2023-06-28) |
What we could not verify
- Gross profit / gross margin: not tagged as a standalone line in this company's EDGAR company facts (common for banks, payment networks and some healthcare payers) — shown as UNVERIFIED-absent; the page charts revenue and net income instead.
- TTM GAAP diluted EPS could not be summed from company facts because at least one of the last four quarters (typically Q4) has no standalone tagged EPS; trailing P/E is therefore taken from the labelled secondary source in valuation_label.md.
- Free cash flow is absent for one or more quarters: either the filer does not separately tag PP&E purchases in its EDGAR cash-flow facts (common for banks), or — for a successor registrant's newest quarter — the cash-flow lines are year-to-date without the prior-quarter rung needed to difference them. Affected quarters are null in the data, never estimated.
- Own-history P/E range not yet compiled for this company in the Phase 1 batch run; the label rests on peer-median, growth and PEG evidence.
- Guidance record (each quarter scored against the guidance the company gave the quarter before) is not yet compiled for this company — it is a Phase 2 layer. The earnings strip below therefore uses reported EPS versus a year earlier, which is fully sourced from filings.
The IT factor — the most exciting thing the market is overlooking — is not assessed on an X-Ray page. It belongs to the Deep Dive (Phase 2), where it gets the evidence standard it needs. Leadership-era scoring (the six years split by chief executive) is likewise a Phase 2 layer; this page names the current chief executive only, from a sourced profile.
Sources
- SEC EDGAR submissions — Filing index; company legal name.
https://data.sec.gov/submissions/CIK0000896159.json - SEC EDGAR company facts — Quarterly financial spine: revenue, gross profit, net income, GAAP diluted EPS, operating cash flow, PP&E capex, buybacks, dividends, diluted shares.
https://data.sec.gov/api/xbrl/companyfacts/CIK0000896159.json - Nasdaq official daily history — Daily closes for the company; SPY (assetclass=etf) saved as raw/nasdaq_spy_raw.json over identical dates.
https://api.nasdaq.com/api/quote/CB/historical?assetclass=stocks - Valuation multiples and peer figures — stockanalysis.com (SECONDARY, S&P Global data), fetched Oct 28, 2026; see valuation_label.md in the data pack.
Conventions: earliest-filed value per period, as first reported; cash-flow years-to-date differenced quarter by quarter; EPS never differenced; free cash flow = operating cash flow minus plant-and-equipment spending. This page is a dated snapshot — updates are new versions, never silent edits.