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STOCK COMPARISON

Chubb vs Victoria Insurance Tbk PT: Fair Value & Quality

Both stocks run through our valuation models. Here is how Chubb (CB) and Victoria Insurance Tbk PT (VINS) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Victoria Insurance Tbk PT as the less overvalued of the two: Chubb trades at $335 versus a fair value of $236 (-30%), while Victoria Insurance Tbk PT trades at IDR 145 versus IDR 117 (-19%).
Chubb
CB · USD · Financials
-30%
upside to fair value
overvalued
Price$335
Fair Value$236
Quality66/100
Victoria Insurance Tbk PT
VINS.JK · IDR · Financials
-19%
upside to fair value
overvalued
PriceIDR 145
Fair ValueIDR 117
Quality62/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

ChubbVictoria Insurance Tbk PT
Valuation
11.9×P/E (TTM)18.4×
17.1×P/E ex one-offs (FY2025)n/a
2.13×P/S (TTM)1.35×
1.78×P/B0.91×
9.8×EV/EBITDA9.9×
2.52×PEGn/a
−29.5%Fair value upside−19.2%
1.2%Dividend yieldn/a
$3.93Dividend per sharen/a
Profitability
24%Operating margin9%
1.90×EBIT margin trend (5Y)0.60×
15%Return on equity9%
3%Return on assets4%
Growth
6%Revenue growth (YoY)38%
11.6%Avg. growth/yr (3Y)43.1%
10.6%Avg. growth/yr (5Y)27.0%
+45.2%Value creation/yr+3.0%
Balance & size
17.1×Interest coverage (EBIT/interest)n/a
0.21×Debt / equityn/a
$132BMarket cap$12M
healthyGrowth qualitymixed
The P/E excluding one-off items is only shown where the special items are documented in the accounts (our own raw data or SEC filings). If one side lacks it, the reported P/E stays scored.

Even match: 6 to 6 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Chubbof which business quality 63 · market factors 68 Victoria Insurance Tbk PTof which business quality 60 · market factors 38
ProfitabilityMargins and returns on capital today
37
42
Quality GrowthAre margins and returns improving?
51
69
CashflowEarnings quality: real cash, not paper profit
86
35
Fin. StrengthBalance sheet, leverage, solvency risk
56
79
InvestmentDisciplined investing over empire-building
59
67
Low VolatilityCalm price path (market factor)
95
44
MomentumPrice trend over the last 3–12 months (market factor)
52
40
52W MomentumDistance to the 52-week high (market factor)
65
27
Net IssuanceShare count: buybacks or dilution?
94
82

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyChubbPrice $335Victoria Insurance Tbk PTPrice IDR 145
Dividend Discount-80%below the price$68.64n/a
Multiples-8%close to the price$308-7%close to the priceIDR 135
Asset-Based-62%below the price$128-27%below the priceIDR 106
Economic Profit-28%below the price$242-14%close to the priceIDR 124
Minimum-80%below the price$68.64-27%below the priceIDR 106
Maximum-8%close to the price$308-7%close to the priceIDR 135
Median-45%below the price$185-14%close to the priceIDR 124
Geometric mean-52%below the price$160-16%below the priceIDR 121

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Chubb: 5 of 6 models see the stock below the current price.

Victoria Insurance Tbk PT: 3 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Chubb
Price $335
Fair Value $236
Bear $177Bull $295
Victoria Insurance Tbk PT
Price IDR 145
Fair Value IDR 117
Bear IDR 101Bull IDR 159

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Chubb · Financials

Quality score66 · Top 25%
Fair value upside-30% · below median

Victoria Insurance Tbk PT · Financials

Quality score62 · Top 25%
Fair value upside-19% · below median

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Victoria Insurance Tbk PT as the less overvalued of the two: Chubb trades at $335 versus a fair value of $236 (-30%), while Victoria Insurance Tbk PT trades at IDR 145 versus IDR 117 (-19%).

Chubb has the higher quality score (66/100).

Open Victoria Insurance Tbk PT live analysis →
Chubb · Victoria Insurance Tbk PT

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.