Chubb Limited (C1BL34) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Chubb Limited BRL 44.79, price BRL 72.17, upside -37.9%, quality 65 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 28, 2026.
How to read this chart
60‑month range R$20.70 – R$427.40 · fair‑value band R$35.55 – R$59.25 · the R$72.17 price screens above the R$44.79 fair value. Dashed = 300-day average. As of Sep 28, 2026.
Chubb Limited provides insurance and reinsurance products worldwide. It operates in six segments: North America Commercial Property and Casualty (P&C) Insurance, North America Personal P&C Insurance, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance, and Life Insurance.
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Chubb Limited provides insurance and reinsurance products worldwide. It operates in six segments: North America Commercial Property and Casualty (P&C) Insurance, North America Personal P&C Insurance, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance, and Life Insurance. The company offers property and general liability, workers' compensation, and umbrella; professional and management liability; environmental, health, and international coverages; and claims and risk management products and services, loss control, and engineering and complex claims management. It also provides homeowners, automobile and collector cars, valuable articles, and personal and excess liability insurance. In addition, the company offers multiple peril crop insurance and crop-hail insurance for farm, ranch, specialty (P&C), and commercial agriculture products; product and employer liability, business interruption, and specialty risk; property insurance products, including traditional commercial fire coverage, energy industry-related, marine, construction, and other technical coverages; personal accident and supplemental medical coverages, such as accidental death, business/holiday travel, specified disease, disability, medical and hospital indemnity, and income protection; and directors and officers, professional indemnity, cyber, surety, aviation, political risk, and specialty personal lines products. Further, it provides property catastrophe reinsurance; traditional and specialty P&C reinsurance; and protection and savings products, which includes individual and group term life, dental, critical illness, dementia, hospital cash, credit life, group employee benefits, whole life, universal life, unit linked contracts, endowment plans, and annuities. 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.
Stock analysis
Chubb Limited (C1BL34) currently trades at R$72.17, while our model-based Fair Value estimate is R$44.79, 37.9% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of R$57.31 per share, and 1 of the 6 models we run sit above the R$72.17 price.
Bear case: the Dividend Discount group reads lowest at R$13.45, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: R$35.55 (bear) to R$59.25 (bull), the price of R$72.17 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 65/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Chubb Limited reported revenue of $59.4B in FY2025 versus $41.0B in FY2021, a compound +9.7%/yr. Reported net income was $10.3B in FY2025, compounding +4.8%/yr from FY2021.
Key figures
Market cap R$693B (≈ $133B) · P/E ratio 12.2 · P/S ratio 2.12 · EPS (TTM) R$36.63 · Dividend yield 0.9% · Net margin 17.4% · Return on equity 15.4% · Return on assets (EBIT) 4.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 82% below its 52-week high and 26% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −38%, C1BL34 screens richer than that median.
Fair Value models
Bear R$35.55Fair Value R$44.79Bull R$59.25
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$24.76 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.92/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+6.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.5%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.9%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+22.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.7%
Dividend (yield on the price)0.9%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 21%
News mood ⓘNews mood, the average tone of recent news (97 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Chubb Limited Fair Value". https://www.fairvalue-calculator.com/stock/C1BL34
Frequently asked questions
Is Chubb Limited (C1BL34) overvalued or undervalued?
As of Sep 28, 2026, our model estimates a fair value of R$44.79 versus a price of R$72.17, about −38% upside (overvalued).
What is the fair value of C1BL34?
Our model-based fair value for Chubb Limited is R$44.79 (as of Sep 28, 2026), built from audited fundamentals. The current price: R$72.17.
What is the quality score of C1BL34?
Chubb Limited has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Chubb Limited (C1BL34)?
Our model-based price target is the fair value of R$44.79 (as of Sep 28, 2026) from 6 valuation models. Cautious scenario R$35.55, optimistic scenario R$59.25. It is a calculation from audited fundamentals, not an analyst target.
What is the Chubb Limited stock forecast for 2026?
Our models put fair value at R$44.79, about −38% upside versus a price of R$72.17 (overvalued). Cautious scenario R$35.55, optimistic scenario R$59.25. The calculation is refreshed regularly with new filings.
What is the revenue of Chubb Limited (C1BL34)?
Chubb Limited reported trailing-twelve-month revenue of about $61.0B (latest available figure, as of Sep 28, 2026).
Does Chubb Limited pay a dividend?
Chubb Limited currently shows a dividend yield of about 0.85% relative to its recent price (as of Sep 28, 2026).
What is the intrinsic value of Chubb Limited (C1BL34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Chubb Limited it is R$44.79 per share (as of Sep 28, 2026), against a price of R$72.17. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Chubb Limited stock overvalued or undervalued in 2026?
As of Sep 28, 2026, C1BL34 trades above its calculated fair value: price R$72.17, fair value R$44.79, a gap of about −38% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of C1BL34?
No. The price is what the market pays today (R$72.17); the fair value is what the company's own numbers justify (R$44.79). For Chubb Limited the two are R$27.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is Chubb Limited worth?
The market values Chubb Limited at about R$693B (market capitalisation, as of Sep 28, 2026). Per share that is R$72.17; our models calculate a fair value of R$44.79 per share.
What do the bullish and bearish scenarios say about C1BL34?
Our models span a range for Chubb Limited: cautious scenario R$35.55, base R$44.79, optimistic R$59.25 per share (as of Sep 28, 2026, price R$72.17). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is C1BL34 from its 52-week high?
Chubb Limited trades at R$72.17, about 82% below its 52-week high of R$399.66 and 26% above the low of R$57.20 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of R$44.79 is for.
Which stocks are comparable to Chubb Limited?
From the same area (Financial Services) we also value The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, The People's Insurance Company, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Chubb Limited stock attractive at the current price?
The data as of Sep 28, 2026: price R$72.17, calculated fair value R$44.79 (−38%), Quality Score 65/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of C1BL34 calculated?
We run Chubb Limited through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$44.79, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Chubb Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Chubb Limited (C1BL34)?
The closing price on Oct 2, 2026 was R$72.17. Our model-based fair value is R$44.79, about −38% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Chubb Limited right now?
The price sits above even our optimistic bull case (R$59.25). The favourable scenario is already priced in. Solid but not exceptional quality (65/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Chubb Limited
How large is the market capitalisation of Chubb Limited (C1BL34)?
The market capitalisation of Chubb Limited is R$693B (≈ $133B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Chubb Limited (C1BL34)?
The price-to-earnings ratio of Chubb Limited is 12.2 (as of Jul 11, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Chubb Limited (C1BL34)?
The price-to-sales ratio of Chubb Limited is 2.12 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Chubb Limited (C1BL34)?
Earnings per share at Chubb Limited are R$36.63 (price ÷ EPS = P/E 12.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Chubb Limited (C1BL34)?
The dividend yield of Chubb Limited is 0.9% (payout 1.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Chubb Limited (C1BL34)?
The net margin of Chubb Limited is 17.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Chubb Limited (C1BL34)?
The return on equity (ROE) of Chubb Limited is 15.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Chubb Limited (C1BL34)?
On an EBIT basis the return on assets of Chubb Limited is 4.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Chubb Limited (C1BL34)?
The operating margin of Chubb Limited is 20.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Chubb Limited (C1BL34)?
Revenue at Chubb Limited is growing +10.2% versus a year earlier (3y avg +11.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Chubb Limited (C1BL34)?
Earnings per share at Chubb Limited are growing +78.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Chubb Limited (C1BL34) generate?
The free cash flow of Chubb Limited is $12.8B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Chubb Limited (C1BL34) carry?
The net debt of Chubb Limited is $15.0B (fiscal year 2025, ≈ 1.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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