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Upturn AI Summary - About
Chubb Ltd(CB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CB
10/09/2026: CB (2-star) is currently NOT-A-BUY. Pass it for now.
Chubb Ltd is a preeminent global property and casualty insurance company known for its disciplined underwriting and expansive international presence. The stock is best suited for long-term investors seeking exposure to the insurance sector through a company with a strong balance sheet and a track record of reliable dividend payments. Chubb's main strength lies in its ability to manage complex risks across both commercial and high-net-worth personal segments. While it faces risks from increasing catastrophe severity, rising litigation, and intense industry competition, its focus on technical underwriting provides a solid operational foundation. Investors should monitor the company's ability to maintain pricing power and its continued success in expanding its specialized insurance offerings.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | While the company has steady growth, it is a mature insurer rather than a high-growth tech stock. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit momentum during periods of favorable insurance pricing cycles. |
| Value investor | Strong fit | Chubb is often valued for its disciplined underwriting and strong balance sheet. |
| Dividend investor | Strong fit | The company offers a reliable and historically growing dividend, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | As a well-capitalized insurer, it generally exhibits lower volatility compared to high-growth sectors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Insurance stocks can fluctuate with market-wide financial sentiment and interest rate news. |
| Valuation risk | Medium | Periods of market exuberance for financials can occasionally push valuations above historical norms. |
| Competition risk (Underwriting competition) | Medium / high | Maintaining pricing power in highly competitive commercial segments is essential for profitability. |
| Business quality | Strong | Chubb is widely recognized for superior underwriting standards and operational excellence. |
| Dividend income | Strong | The company has a very strong track record of sustained and increasing dividend payouts. |
| Execution risk | Low | The company has demonstrated high proficiency in integrating acquisitions and maintaining underwriting quality. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 9.08% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 132.63B USD | Price to earnings Ratio 12.18 | 1Y Target Price 367 |
Price to earnings Ratio 12.18 | 1Y Target Price 367 | ||
Volume (30-day avg) 1.6M shares | Beta 0.36 | 52 Weeks Range 262.07 - 364.81 | Updated Date 10/08/2026 |
52 Weeks Range 262.07 - 364.81 | Updated Date 10/08/2026 | ||
Dividends yield (FY) 1.17% | Basic EPS (TTM) 28.23 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| P&C Underwriting | Premiums collected from commercial and personal lines, offset by claim payouts. | The company collects more in premiums than it pays out in claims and expenses. |
| Investment Income | Returns on the premiums invested in bonds and other assets. | The company earns money by safely investing the cash it holds between collecting premiums and paying claims. |
| Geography | Diversified operations across North America, Europe, Asia, and Latin America. | Global exposure helps the company spread its risk across different economies. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 12.18 | Forward PE 11.6 | Enterprise Value 150.17B | Price to Sales(TTM) 2.14 |
Enterprise Value 150.17B | Price to Sales(TTM) 2.14 | ||
Enterprise Value to Revenue 2.41 | Enterprise Value to EBITDA - | Shares Outstanding 385.80M | Shares Floating 349.88M |
Shares Outstanding 385.80M | Shares Floating 349.88M | ||
Percent Insiders 9.45 | Percent Institutions 83.82 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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