Chubb Ltd (CB) fair value: what the stock is really worth
As of Sep 22, 2026: fair value of Chubb Ltd $235, price $336, upside -30.1%, quality 65 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Chubb Ltd
CB · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 17, 2026.
How to read this chart
60‑month range $146.69 – $363.50 · fair‑value band $176.05 – $293.42 · the $335.77 price screens above the $234.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 17, 2026.
Company profile
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 Ltd (CB) currently trades at $335.77, while our model-based Fair Value estimate is $234.73, implying the stock looks roughly 43.0% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $266.23 per share, and 1 of the 6 models we run sit above the $335.77 price.
Bear case: the Dividend Discount group reads lowest at $62.46, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $176.05 (bear) to $293.42 (bull), the price of $335.77 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 Ltd reported revenue of $59.8B in FY2025 versus $40.8B in FY2021, a compound +10.0%/yr. Reported net income was $10.3B in FY2025, compounding +4.9%/yr from FY2021.
Key figures
Market cap $133B · P/E ratio 11.9 · P/S ratio 2.05 · EPS (TTM) $28.27 · Dividend yield 1.2% · Net margin 17.2% · Return on equity 15.4% · Return on assets (EBIT) 4.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (medium confidence).
What moves the price
The share trades about 3% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −14% fair-value upside, at −30%, CB screens richer than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 68
Revenue & earnings trend
Growth Forecast
CB screens 43% overvalued. Compare with The Progressive Corporation →
Compare Chubb Ltd with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 118 stocks
Valuation Multiplesvs Insurance - Property & Casualty median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $212.24 | $160.25 | −24% |
| The Travelers Companies, Inc TRV | $378.92 | $274.42 | −28% |
| The Allstate Corporation ALL | $257.21 | $316.11 | +23% |
| The People's Insurance Company 601319 | ¥7.69 | ¥11.92 | +55% |
| PICC Property and Casualty Company 2328 | HK$16.81 | HK$19.58 | +16% |
| Intact Financial Corporation IFC | C$260.89 | C$167.46 | −36% |
| Fairfax Financial Holdings FFH | C$2,255 | C$2,940 | +30% |
| Cincinnati Financial Corporation CINF | $170.77 | $146.70 | −14% |
| QBE Insurance Group QBE | A$23.26 | A$13.78 | −41% |
| W. R. Berkley Corporation WRB | $69.95 | $47.08 | −33% |
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