Chubb (CB) stock: Winston Score and insider trades

§Winston Score History

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

-0.0% YoY

YoY Growth Rate

Revenue declining

Reported EPS Growth

+4.7% YoY

Quarterly reporting periods ended:

30 Sept 2025: $7.05

30 Sept 2026: $7.38

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

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

$175.5B cash & investments

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

Revenue declining

Chubb Limited's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

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.

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Quality

Profit per sale

Gross Margin

44.4%

Healthy — 44.4% gross margin

Profit after running costs

Operating Margin

20.0%

Excellent — 20.0% operating margin

Return on the money invested

ROCE

11.5%

Below par — 11.5% 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

+5.8%

Slow sales growth (+5.8% YoY)

Profit growth

EPS YoY

+19.0%

Earnings growing fast (+19.0% 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

144%

Turns 144% of profit into real cash

Spare cash per sale

FCF Margin

25.9%

Converts sales into free cash efficiently (25.9%)

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

0.26

Conservative — low debt load (0.26)

Covers its interest

Interest Cover

13.18x

Comfortably covers interest (13.2x)

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

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Valuation

Price vs profit

P/E Ratio (TTM)

12.3x

Attractive valuation — P/E 12.3

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

+0.1

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

1.20%

Small dividend — 1.20% yield

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

Dividend record

Dividend Growth

+5.9%

Dividend growing modestly (5.9% YoY)

Payout Ratio

14%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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Chubb Limited

§How the score breaks down

Share count falling — buybacks

§Winston Score History

Politician Trades

Growth Profile

Every number that matters to educated investors.

Quality

Growth

Cash Flow

Stability

Valuation

Dividends