Chubb Limited

Insurance - Property & Casualty · Financial Services

Also trades as: 0VQD.L

Price

$340.99

-1.88 (-0.55%)

Market Cap

$131.55B

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Good

Growth

Good

Cash Flow

Exceptional

Stability

Mixed

Valuation

Good

Dividends

Mixed

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Share count falling — buybacks

−10.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 443.2M (2021) → 396.5M (2025)

Winston Score History

The full picture

Chubb Limited is one of the largest property and casualty insurance companies in the world. It sells insurance policies that protect people and businesses from financial losses caused by accidents, natural disasters, lawsuits, and other risks. Its main customers range from wealthy individuals to large multinational corporations, and it is especially well known for high-value home, auto, and commercial insurance.

Chubb makes money by collecting premiums from policyholders and investing that money while it waits to pay out claims. The company operates in over 50 countries, with major business in North America, Europe, and Asia, and generates roughly $50 billion in annual premiums. Its competitive edge comes from strong underwriting discipline — meaning it is careful about which risks it agrees to cover — and a well-established brand among affluent and corporate clients. The key risk the business faces is a rise in large catastrophe events, such as hurricanes or wildfires, which can quickly increase claims and pressure profitability.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+6.3% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-0.1% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

9.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$175.4B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Chubb Limited is growing revenue at 6% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

47.5%

Healthy — 47.5% gross margin

Profit after running costs

Operating Margin

22.9%

Excellent — 22.9% operating margin

Return on the money invested

ROCE

15.0%

Good — 15.0% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+7.9%

Steady sales growth (+7.9% YoY)

Profit growth

EPS YoY

+24.2%

Earnings growing fast (+24.2% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

142%

Turns 142% of profit into real cash

Spare cash per sale

FCF Margin

25.6%

Converts sales into free cash efficiently (25.6%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

14.12x

Comfortably covers interest (14.1x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

12.0x

Attractive valuation — P/E 12.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

-0.6

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

1.13%

Small dividend — 1.13% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+6.2%

Dividend growing modestly (6.2% YoY)

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