| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 67 | 12.4x | 17.3x | Top tier | |
Growth | 58 | 5.7% | 7.1% | Around median | |
Quality | 81 | — | — | Top tier | |
Safety | 35 | — | — | Bottom tier | |
Capital Return | 57 | 1.07% | 0.06% | Around median | |
Momentum | 88 | 21.1% | -1.6% | Top tier | |
Sentiment | 45 | 16 | 3 | Around median |
10-year US Treasury yield 4.96% as of 2026-10-22. Estimates computed from company data and analyst targets, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Chubb Limited (CB · NYSE) operates in property and casualty insurance for businesses and individuals, alongside accident and health insurance and life insurance, generating income from insurance underwriting and asset investments. Its model combines insurance for small and medium-sized businesses and major accounts, insurance for high-net-worth individuals in North America, and an international retail insurance network operating in 51 countries. This diversification allows it to direct business toward segments where it considers pricing adequate, while reducing coverage whose premiums do not compensate for expected risks.
In quarter 2 of fiscal year 2026 (ended 2026-06-30), revenue according to EL7 data was approximately 15.8 billion dollars, net income was 2.9 billion dollars, diluted earnings per share were 7.43 dollars, and the operating margin calculated by EL7 was approximately 22.9%. Operating cash flow according to EL7 data was approximately 3.7 billion dollars for the same period. A reliable comparison of year-over-year revenue growth or changes in margins is unavailable; net income was 3.0 billion dollars in quarter 2 of fiscal year 2025 (ended 2025-06-30), while diluted earnings per share were 7.35 dollars at that time.
Within the business mix, property and casualty underwriting income exceeded 1.9 billion dollars in quarter 2 of fiscal year 2026, with a combined claims and expense ratio to premiums of 83.8%, while adjusted net investment income reached 1.88 billion dollars and life insurance pretax income was 332 million dollars. Global property and casualty premiums grew 3% compared with the same quarter of the previous fiscal year, versus 6.3% excluding major-account property insurance and excess and surplus lines insurance. The difference shows that selective withdrawal from some property business is limiting premium growth, while the rest of the portfolio continues to expand.
Q2 FY2026
When: 2026-10-20
Property and casualty combined ratio compared with the 83.8% level
Adjusted net investment income compared with the 1.88 billion dollar level
The industry-multiple valuation is 362 dollars, within a range of 226 dollars to 503 dollars, measuring Chubb's value if its book value were valued at the median multiple of 1.9 among 52 comparable companies. The median target of 15 analysts is 359 dollars, within a range of 301 dollars to 387 dollars, reflecting their growth and earnings expectations and tending toward optimism by nature. The central values are close, but the industry-multiple range is wider because the peer book-value comparison measures a different basis from analysts' expectations for Chubb's business trajectory. On 2026-10-07, HSBC lowered its target to 359 dollars from 377 dollars, while Cantor Fitzgerald raised its target to 333 dollars from 330 dollars, reflecting differing institutional assessments of the company's trajectory.
Figures in the text are as of 2026-10-19; the live price is shown at the top of the page.
Net income was 2.9 billion dollars in quarter 2 of fiscal year 2026 (ended 2026-06-30), compared with 3.0 billion dollars in quarter 2 of fiscal year 2025 (ended 2025-06-30). Nevertheless, diluted earnings per share were 7.43 dollars versus 7.35 dollars for the same periods, as diluted shares declined to 393.0 million shares from 403.8 million shares, a decrease of 2.7% compared with the same quarter of the previous fiscal year. The lower share count supports earnings per share, while a 7.5 billion dollar share repurchase authorization took effect on 2026-07-01 with no expiration date.
Global property and casualty premiums grew 3% in quarter 2 of fiscal year 2026 (ended 2026-06-30) compared with the same quarter of the previous fiscal year, but growth reached 6.3% excluding major-account property insurance and excess and surplus lines insurance. North American major-account and specialty insurance premiums declined 9% because of property business, while management said it had declined business whose pricing had fallen approximately 40%. Meanwhile, North American small and medium-sized business premiums grew approximately 9% and high-net-worth personal insurance premiums increased 6% compared with the same quarter of the previous fiscal year, showing that the slowdown is not evenly distributed across the portfolio.
Automated analysis for informational purposes only — not investment advice.
Property and casualty premium growth excluding major-account property and specialty insurance compared with the 6.3% level
The new-money yield was 5.5% versus a fixed-income portfolio book yield of 5.1% as of 2026-06-30, allowing funds to be reinvested at a yield higher than the existing average. The public fixed-income portfolio generated income of 1.63 billion dollars in quarter 2 of fiscal year 2026 (ended 2026-06-30), an increase of 12% compared with the same quarter of the previous fiscal year. Adjusted net investment income reached 1.88 billion dollars for the same period, but the 250 million dollar contribution from private investments is more volatile, according to management's description.
Management explained on the quarter 2 fiscal year 2026 (ended 2026-06-30) earnings call, held on 2026-07-22, that its comments on earnings growth represented a long-term trend rather than formal guidance for subsequent quarters. It said market conditions had modestly widened the range of possible outcomes and that this range still included double-digit earnings-per-share growth. The specific numerical guidance it reaffirmed was an effective tax rate on core operating earnings of between 19.5% and 20% for fiscal year 2026 (ending 2026-12-31). The designated earnings announcement date is 2026-10-20, which is an expected date.