Tearsheet

Chubb (CB)

Market Price (11/21/2025): $297.8 | Market Cap: $118.3 Bil
Sector: Financials | Industry: Property & Casualty Insurance

Chubb (CB)

Market Price (11/21/2025): $297.8
Market Cap: $118.3 Bil
Sector: Financials
Industry: Property & Casualty Insurance

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.4%, FCF Yield is 11%	Trading close to highs Dist 52W High is -1.4%, Dist 3Y High is -1.4%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -21%	Weak multi-year price returns 2Y Excs Rtn is -7.9%, 3Y Excs Rtn is -14%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 23%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 23%, CFO LTM is 13 Bil, FCF LTM is 13 Bil
3	Low stock price volatility Vol 12M is 20%
4	Megatrend and thematic drivers Megatrends include Cybersecurity, AI in Financial Services, Aging Population & Chronic Disease, Experience Economy & Premiumization, Show more.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.4%, FCF Yield is 11%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -21%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 23%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 23%, CFO LTM is 13 Bil, FCF LTM is 13 Bil
3	Low stock price volatility Vol 12M is 20%
4	Megatrend and thematic drivers Megatrends include Cybersecurity, AI in Financial Services, Aging Population & Chronic Disease, Experience Economy & Premiumization, Show more.
5	Trading close to highs Dist 52W High is -1.4%, Dist 3Y High is -1.4%
6	Weak multi-year price returns 2Y Excs Rtn is -7.9%, 3Y Excs Rtn is -14%

Market Valuation & Key Metrics

	11/21/25	2024	2023	2022	2021
Share Price CYE	$297.80	$273.56	$220.82	$211.93	$182.74
Market Cap CYE ($ Bil)	118.3	110.2	89.9	88.0	78.4
Total Debt ($ Bil)	17.2	15.3	14.5	14.9	16.2
Total Cash ($ Bil)	2.2	2.3	2.4	2.0	1.7
Enterprise Value ($ Bil)	133.3	125.5	104.4	102.9	94.6
Valuation Ratios
P/S TTM	2.0	2.0	1.9	2.1	2.1
P/EBIT TTM	9.0	9.2	9.1	13.1	8.3
P/E TTM	12.2	12.0	10.3	17.6	10.0
Sector Ratios
P/S TTM (Sector)	2.9	3.1	2.8	2.8	3.4
P/EBIT TTM (Sector)	7.6	8.5	7.5	7.7	7.3
P/E TTM (Sector)	11.2	11.6	10.2	9.4	10.1

	11/21/25	2024	2023
Share Price CYE	$297.80	$273.56	$220.82
Market Cap CYE ($ Bil)	118.3	110.2	89.9
Total Debt ($ Bil)	17.2	15.3	14.5
Total Cash ($ Bil)	2.2	2.3	2.4
Enterprise Value ($ Bil)	133.3	125.5	104.4
Valuation Ratios
P/S TTM	2.0	2.0	1.9
P/EBIT TTM	9.0	9.2	9.1
P/E TTM	12.2	12.0	10.3
Sector Ratios
P/S TTM (Sector)	2.9	3.1	2.8
P/EBIT TTM (Sector)	7.6	8.5	7.5
P/E TTM (Sector)	11.2	11.6	10.2

	CB	S&P 500
REVENUE GROWTH	FAIR
Rev LTM ($ Bil)	58.9
Rev Chg Q	8.2%	7.1%
Rev Chg LTM	6.7%	6.1%
Rev Chg 3Y Avg	12.2%	5.5%
PROFITABILITY	FAIR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	13.3
Net Inc LTM ($ Bil)	9.7
CFO/Rev LTM	22.6%	20.5%
Net Inc Mgn	16.4%	13.1%
VALUATION	LOW
P/S	2.0	3.1
P/CFO	8.9	15.0
P/FCF	8.9	19.9
P/E	12.2	22.8

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Metric	Value	Date	Source
P&C Combined Ratio	81.8%	9302025	Link
Consolidated Net Premiums Written Growth	7.5%	9302025	Link
P&C Net Premiums Written Growth	5.3%	9302025	Link
Life Insurance Net Premiums Written Growth	24.6%	9302025	Link
North America P&C Net Premiums Written Growth	4.4%	9302025	Link
North America Personal Insurance Net Premiums Written Growth	8.1%	9302025	Link
North America Commercial Insurance Net Premiums Written Growth	3.5%	9302025	Link
Overseas General P&C Net Premiums Written Growth	9.7%	9302025	Link
Overseas General Consumer Insurance Net Premiums Written Growth	15.5%	9302025	Link
Overseas General Commercial Insurance Net Premiums Written Growth	5.8%	9302025	Link

CB Stock

Return (1M):

Why The Stock Moved

Qualitative Assessment

AI Generated Analysis | Feedback

Here are the key points explaining Chubb (CB)'s stock movement by 11.8% for the approximate time period from July 31, 2025, to November 21, 2025:

1. Record-Breaking Q3 2025 Financial Performance: Chubb reported net income of $2.80 billion, a 22.6% increase, and a record core operating income of $3.00 billion, up 30.9% year-over-year. The company's earnings per share (EPS) of $7.49 significantly beat the Zacks Consensus Estimate of $5.94.

2. Exceptional Underwriting and Investment Income: The company achieved a record property and casualty (P&C) combined ratio of 81.8%, representing an improvement of nearly six percentage points from the prior year. Additionally, P&C underwriting income surged by 55% to $2.26 billion, and adjusted net investment income reached a record $1.8 billion.

Stock Movement Drivers

Fundamental Drivers

The 6.6% change in CB stock from 8/21/2025 to 11/20/2025 was primarily driven by a 3.0% change in the company's Net Income Margin (%).

	8212025	11202025	Change
Stock Price ($)	277.86	296.32	6.64%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	57660.00	58900.00	2.15%
Net Income Margin (%)	15.95%	16.43%	2.97%
P/E Multiple	12.08	12.17	0.74%
Shares Outstanding (Mil)	399.89	397.34	0.64%
Cumulative Contribution			6.64%

LTM = Last Twelve Months as of date shown

Market Drivers

8/21/2025 to 11/20/2025

	Return	Correlation
CB	6.6%
Market (SPY)	2.7%	-6.7%
Sector (XLF)	-3.0%	31.3%

Fundamental Drivers

The 3.9% change in CB stock from 5/22/2025 to 11/20/2025 was primarily driven by a 10.1% change in the company's Net Income Margin (%).

	5222025	11202025	Change
Stock Price ($)	285.15	296.32	3.92%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	56694.00	58900.00	3.89%
Net Income Margin (%)	14.92%	16.43%	10.08%
P/E Multiple	13.51	12.17	-9.89%
Shares Outstanding (Mil)	400.68	397.34	0.83%
Cumulative Contribution			3.91%

LTM = Last Twelve Months as of date shown

Market Drivers

5/22/2025 to 11/20/2025

	Return	Correlation
CB	3.9%
Market (SPY)	12.2%	2.9%
Sector (XLF)	2.1%	33.5%

Fundamental Drivers

The 6.2% change in CB stock from 11/20/2024 to 11/20/2025 was primarily driven by a 7.9% change in the company's P/E Multiple.

	11202024	11202025	Change
Stock Price ($)	279.11	296.32	6.16%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	55176.00	58900.00	6.75%
Net Income Margin (%)	18.12%	16.43%	-9.34%
P/E Multiple	11.27	12.17	7.93%
Shares Outstanding (Mil)	403.83	397.34	1.61%
Cumulative Contribution			6.14%

LTM = Last Twelve Months as of date shown

Market Drivers

11/20/2024 to 11/20/2025

	Return	Correlation
CB	6.2%
Market (SPY)	11.5%	25.6%
Sector (XLF)	4.3%	50.1%

Fundamental Drivers

The 47.2% change in CB stock from 11/21/2022 to 11/20/2025 was primarily driven by a 41.1% change in the company's Total Revenues ($ Mil).

	11212022	11202025	Change
Stock Price ($)	201.33	296.32	47.18%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	41748.00	58900.00	41.08%
Net Income Margin (%)	14.52%	16.43%	13.12%
P/E Multiple	13.83	12.17	-12.04%
Shares Outstanding (Mil)	416.54	397.34	4.61%
Cumulative Contribution			46.87%

LTM = Last Twelve Months as of date shown

Market Drivers

11/21/2023 to 11/20/2025

	Return	Correlation
CB	35.1%
Market (SPY)	47.3%	22.3%
Sector (XLF)	49.6%	48.4%

Return vs. Risk

Price Returns Compared

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
CB Return	1%	28%	16%	4%	24%	8%	110%
Peers Return	-12%	38%	7%	7%	28%	12%	100%
S&P 500 Return	16%	27%	-19%	24%	23%	11%	102%
Monthly Win Rates [3]
CB Win Rate	50%	50%	67%	58%	67%	50%
Peers Win Rate	53%	63%	55%	58%	67%	58%
S&P 500 Win Rate	58%	75%	42%	67%	75%	70%
Max Drawdowns [4]
CB Max Drawdown	-39%	-6%	-8%	-15%	-0%	-7%
Peers Max Drawdown	-54%	-3%	-13%	-16%	-1%	-8%
S&P 500 Max Drawdown	-31%	-1%	-25%	-1%	-2%	-15%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: TRV, AIG, PRU, HIG, CINF. See CB Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 11/20/2025 (YTD)

How Low Can It Go

Unique Key	Event	CB	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-20.0%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	25.0%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	205 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-43.0%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	75.5%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	322 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-23.0%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	29.9%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	227 days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-51.8%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	107.3%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	756 days	1480 days

Compare to TRV, AIG, PRU, HIG, CINF

In The Past

Chubb's stock fell -20.0% during the 2022 Inflation Shock from a high on 1/26/2023. A -20.0% loss requires a 25.0% gain to breakeven.

Preserve Wealth

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Asset Allocation

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About Chubb (CB)

Chubb Limited provides insurance and reinsurance products worldwide. The company's North America Commercial P&C Insurance segment offers commercial property, casualty, workers' compensation, package policies, risk management, financial lines, marine, construction, environmental, medical, cyber risk, surety, and excess casualty; and group accident and health insurance to large, middle market, and small commercial businesses. Its North America Personal P&C Insurance segment provides affluent and high net worth individuals and families with homeowners, automobile and collector cars, valuable articles, personal and excess liability, travel insurance, and recreational marine insurance and services. The company's North America Agricultural Insurance segment offers multiple peril crop and crop-hail insurance; and coverage for farm and ranch property, and commercial agriculture products. Its Overseas General Insurance segment provides coverage for traditional commercial property and casualty; specialty categories, such as financial lines, marine, energy, aviation, political risk, and construction risk; and group accident and health, and traditional and specialty personal lines for corporations, middle markets, and small customers through retail brokers, agents, and other channels. The company's Global Reinsurance segment offers traditional and specialty reinsurance under the Chubb Tempest Re brand to property and casualty companies. Its Life Insurance segment provides protection and savings products comprising whole life, endowment plans, individual term life, group term life, medical and health, personal accident, credit life, universal life, and unit linked contracts. The company markets its products primarily through insurance and reinsurance brokers. 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.

AI Generated Analysis | Feedback

Analogy 1: The Goldman Sachs of insurance.

Analogy 2: Like AIG or Travelers, but specializing in bespoke insurance for businesses and high-net-worth individuals.

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Commercial Property & Casualty Insurance: Protects businesses from property damage, liability claims, workers' compensation, and other operational risks.
Personal Property & Casualty Insurance: Offers tailored insurance solutions for high-net-worth individuals and families, covering homes, vehicles, valuable possessions, and personal liability.
Accident & Health Insurance: Provides coverage for medical expenses, disability income, and accidental death benefits for individuals and employee groups.
Reinsurance: Sells insurance to other insurance companies to help them reduce their risk exposure and capacity.

AI Generated Analysis | Feedback

Chubb Limited (symbol: CB) is a global insurance company. While it serves a broad spectrum of clients, its commercial property & casualty business represents its largest segment by premium volume, indicating it primarily sells to other companies.

Due to the nature of the insurance business, Chubb has millions of policyholders globally and does not publicly disclose the names of its specific customer companies. Insurers typically do not have "major customers" in the traditional sense of a supplier selling to a few large corporate clients. Instead, they serve broad categories of businesses across various industries.

Chubb's major customer categories in the business sector include:

Large Corporations and Multinational Companies: Chubb provides a wide array of property, casualty, and specialty insurance solutions for complex risks faced by large enterprises operating globally.
Middle Market Companies: Serving businesses that fall between small enterprises and large corporations, Chubb offers comprehensive insurance products tailored to their specific industry and risk profiles.
Small Businesses: Chubb also provides essential property, liability, and workers' compensation coverage for small and growing businesses.
Specialty Sectors: The company offers highly specialized insurance products for industries such as energy, marine, aviation, technology, financial institutions, and construction, among others.

While the primary focus based on premium volume is on businesses, it's worth noting that Chubb also has a significant presence in personal lines, particularly serving affluent and high-net-worth individuals and families with customized home, auto, and valuable article insurance.

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Evan G. Greenberg
Chairman and Chief Executive Officer, Chubb Limited / Chubb Group

Evan G. Greenberg has nearly five decades of experience in the insurance industry. He became Chairman and Chief Executive Officer of Chubb Limited (formerly ACE Limited) in 2004 and Chairman in 2007. He joined ACE Limited in 2001 as Vice Chairman. Prior to ACE, Mr. Greenberg spent 25 years at American International Group (AIG), holding various senior management positions, including President and Chief Operating Officer from 1997 to 2000, and President and Chief Executive Officer of AIU Holdings, AIG's foreign general insurance organization. Under his leadership, ACE acquired the Chubb Corporation in 2016 for $28.3 billion, and the combined entity adopted the Chubb name. He was considered the heir apparent to take over as CEO of AIG. He has also served on the Board of Directors of The Coca-Cola Company from 2011 to 2016.

Peter Enns
Executive Vice President, Chubb Group Chief Financial Officer

Peter Enns joined Chubb in 2021 and has more than 30 years of finance and investment banking experience. Before joining Chubb, he spent over two decades with Goldman Sachs in various senior roles, including Chairman and CEO of Goldman Sachs Canada from 2014 to 2017, Head of the Asia Financial Institutions Group from 2010 to 2014, and Partner of the U.S. Financial Institutions Group from 2006 to 2010. More recently, he held positions at HSBC, including Global Head, Financial Institutions Group, and Global Co-Head of Investment Banking Coverage. Mr. Enns holds an MBA degree in Finance and Accounting from the Wharton School of Business.

John Keogh
President and Chief Operating Officer, Chubb Group

John Keogh has 40 years of experience in the insurance industry. He joined ACE (Chubb's predecessor) in 2006 as Chairman of its international general insurance business. He was appointed Chief Operating Officer in 2011 and President in 2020. Previously, Mr. Keogh held various positions at American International Group (AIG), including Senior Vice President, Domestic General Insurance, and President and Chief Executive Officer of National Union Fire Insurance Company of Pittsburgh.

Timothy Boroughs
Vice Chairman, Chubb Group Executive Chairman, Asset Management

Timothy Boroughs serves as Vice Chairman, Chubb Group, and Executive Chairman of Asset Management.

John Lupica
Vice Chairman, Chubb Group Executive Chairman, North America Insurance

John Lupica serves as Vice Chairman, Chubb Group, and Executive Chairman of North America Insurance.

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Addressable Markets for Chubb's Main Products and Services:

Commercial Property and Casualty (P&C) Insurance:
- Global: Approximately USD 922.5 billion in 2024, projected to reach USD 1,684.0 billion by 2033.
- U.S.: Approximately USD 294.6 billion in 2024, expected to reach USD 489.1 billion by 2033.
Personal Lines Property and Casualty (P&C) Insurance:
- Global: Approximately USD 1.1 trillion in premiums for 2022–2023.
- U.S.: Approximately USD 534.92 billion in direct premiums written in 2024.
Personal Accident and Supplemental Health Insurance:
- Global: The Personal Accident and Health (P&H) insurance market size is expected to reach USD 720.5 billion between 2024 and 2028. The global accident insurance market was valued at USD 81.48 billion in 2024 and is expected to reach USD 115.86 billion by 2032.
- U.S.: The U.S. accident insurance market size was valued at USD 23.94 billion in 2024 and is expected to reach USD 33.46 billion by 2032. The broader U.S. health and medical insurance market stood at USD 1.57 trillion in 2025 and is forecast to reach USD 2.1 trillion by 2030.
Reinsurance:
- Global: Reinsurance premiums grew at around a 7% Compound Annual Growth Rate (CAGR) over the past decade. A specific total market size in USD for global reinsurance alone is not explicitly provided in the search results.
Life Insurance:
- Global: Approximately USD 3.28 trillion in 2025 (calculated as ~41.57% of the global life and non-life insurance market of USD 7.91 trillion in 2025).
- U.S.: Approximately USD 1.02 trillion in 2025 (calculated as ~31.59% of the U.S. life and non-life insurance market of USD 3.239 trillion in 2025). The U.S. life/annuity insurance sector's net premiums written totaled $822.6 billion in 2024.
Specialty Insurance:
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AI Generated Analysis | Feedback

Chubb Limited (CB) is poised for future revenue growth over the next 2-3 years, driven by several strategic initiatives and favorable market conditions. These drivers are evident in recent earnings reports, investor presentations, and analyst commentary.

Strategic Global Expansion, particularly in Asia and Latin America: Chubb is actively pursuing opportunities to enhance its market presence and capitalize on growth in fast-growing regions. This includes efforts to deepen its presence in China, as seen with increased ownership in Huatai Insurance Group, and broader expansion in emerging markets within Asia and Latin America.
Robust Growth in Consumer and Life Insurance Segments: The company has demonstrated significant growth in its consumer premiums, which were up nearly 16%, and life insurance premiums, which surged over 24.5% in Q3 2025. Chubb's long-term strategy includes building the breadth and depth of its life business across various regions, indicating sustained focus and expected growth in these areas.
Disciplined Underwriting and Favorable Commercial Property & Casualty (P&C) Market Conditions: Chubb's consistent underwriting excellence, reflected in a record combined ratio of 81.8% in Q3 2025, allows it to maintain strong profitability. The company is also achieving significant new business growth in North American commercial lines, up 24% year-over-year, and maintaining a high renewal retention rate of over 86%. This strong execution of underwriting strategies and favorable pricing in certain segments, like casualty, contributes to premium growth.
Increasing Net Investment Income: Chubb is strategically leveraging rising interest rates to generate higher returns from its investment portfolio. The company reported record adjusted net investment income in Q3 2025, up 8.3%, and expects to sustain growth in investment income in the future.
Leveraging Digital Innovation and Technology (including AI): Chubb is investing significantly in technology, spending between $1.1 billion and $1.2 billion annually on modernizing legacy systems and enhancing AI-driven analytics. These digital and AI initiatives are intended to bolster its competitive edge, improve operational efficiency, and support future growth, potentially leading to new product offerings and an enhanced customer experience.

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Share Repurchases

Chubb repurchased $2.894 billion in shares in 2022, $2.411 billion in 2023, and $1.801 billion in 2024.
In Q1 2025, Chubb returned $385 million to shareholders through share repurchases.
In May 2025, Chubb's Board of Directors authorized a new $5 billion share repurchase program, effective July 1, 2025, with no expiration date.

Share Issuance

During the nine months ended September 30, 2024, 2,679,748 net shares were issued under employee share-based compensation plans.

Inbound Investments

Berkshire Hathaway Inc. amassed a 6.40% stake in Chubb Ltd., worth approximately $6.70 billion, as of the first quarter of 2024.
This investment by Berkshire Hathaway began in the third quarter of 2023, with further investments in the fourth quarter of 2023 and the first quarter of 2024.

Outbound Investments

In July 2022, Chubb completed the acquisition of Cigna's Personal Accident, Supplemental Health, and Life Insurance business in Asia, expanding its presence in markets such as Korea, Taiwan, New Zealand, Thailand, Hong Kong, and Indonesia. This acquisition deepens Chubb's presence in this fast-growing region.
On January 4, 2023, Chubb increased its ownership interest in Huatai Insurance Group Co. Ltd. (China) from 47.3% to 64.2%.
In March 2025, Chubb announced agreements to acquire Liberty Mutual's Property & Casualty insurance operations in Thailand and Vietnam, which generated $275 million in net premiums written in 2024.

Capital Expenditures

Chubb invests $1.1-$1.2 billion annually in technological advancements, focusing on modernization and improving processing capabilities.
These technology investments are expected to remain in the $1.1-$1.2 billion range annually, directed toward maintaining core operations and developing new capabilities in analytics and customer-facing systems.
The company also makes investments in its physical presence, product offerings, and distribution capabilities.

Better Bets than Chubb (CB)

	CB	Better Performance than CB
Metric	Value	INDUSTRY: Property & Casualty Insurance
Rev Chg LTM	6.7%	PGR (21.5%), ACGL (17.5%), WRB (11.3%), HIG (6.9%), ALL (6.9%)
Rev Chg 3Y Avg	12.2%	KNSL (32.4%), ACGL (28.9%), CINF (22.7%), PGR (20.0%), MKL (13.2%)
CFO/Rev LTM	22.6%	KNSL (56.3%), FNF (51.7%), ACGL (33.3%), CINF (23.2%), WRB (23.2%)
FCF/Rev LTM	22.6%	KNSL (53.3%), FNF (50.6%), ACGL (33.0%), CINF (23.1%), WRB (22.7%)
Total Yield	9.5%	ACGL (17.6%), ALL (16.9%), HIG (10.9%), PGR (10.0%), TRV (9.9%)

	CB	Better Performance than CB
Metric	Value	SECTOR: Financials
Rev Chg LTM	6.7%	MS (17.6%), MA (14.6%), V (11.3%), BAC (8.9%), JPM (8.6%)
Rev Chg 3Y Avg	12.2%	PGR (20.0%), BRK-B (19.8%), JPM (13.4%), SPGI (13.3%), MA (13.2%)
CFO/Rev LTM	22.6%	V (57.6%), BAC (57.3%), MA (56.1%), GS (30.5%), AXP (30.0%)
FCF/Rev LTM	22.6%	BAC (57.3%), V (53.9%), MA (52.5%), AXP (26.9%), GS (26.9%)
Total Yield	9.5%	TD (15.0%), BNS (11.9%), BMO (10.1%), WFC (10.1%), PGR (10.0%)

	CB	Better Performance than CB
Metric	Value	ALL OTHER SECTORS
Rev Chg LTM	6.7%	NVDA (71.6%), AVGO (28.0%), MSFT (15.6%), GOOGL (13.4%), AMZN (10.9%)
Rev Chg 3Y Avg	12.2%	NVDA (92.0%), AVGO (24.0%), LLY (23.4%), META (17.3%), MSFT (13.2%)
CFO/Rev LTM	22.6%	MSFT (50.0%), NVDA (46.6%), AVGO (42.4%), GOOGL (39.3%), AAPL (26.6%)
FCF/Rev LTM	22.6%	NVDA (43.6%), AVGO (41.6%), MSFT (26.6%), META (23.7%), AAPL (23.5%)
Total Yield	9.5%	VZ (18.1%), T (12.2%), MRK (11.5%), UBER (9.6%), XOM (9.5%)

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10	CB YTD Stock Return Of -3.6% Outperforms TRV by 7.0% and Underperforms PGR by -12%	Return

	Title
0	ARTICLES

Trade Ideas

Select past ideas related to CB. For more, see Trefis Trade Ideas.

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
BRO_10312025_Dip_Buyer_FCFYield	10312025	BRO	Brown & Brown	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-0.2%	-0.2%	-4.2%
CPAY_10312025_Dip_Buyer_FCFYield	10312025	CPAY	Corpay	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	6.5%	6.5%	0.0%
EEFT_10312025_Dip_Buyer_FCFYield	10312025	EEFT	Euronet Worldwide	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-6.5%	-6.5%	-8.2%
GPN_10312025_Dip_Buyer_FCFYield	10312025	GPN	Global Payments	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-8.1%	-8.1%	-8.1%
APO_10102025_Dip_Buyer_FCFYield	10102025	APO	Apollo Asset Management	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	7.6%	7.6%	0.0%

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
BRO_10312025_Dip_Buyer_FCFYield	10312025	BRO	Brown & Brown	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-0.2%	-0.2%	-4.2%
CPAY_10312025_Dip_Buyer_FCFYield	10312025	CPAY	Corpay	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	6.5%	6.5%	0.0%
EEFT_10312025_Dip_Buyer_FCFYield	10312025	EEFT	Euronet Worldwide	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-6.5%	-6.5%	-8.2%
GPN_10312025_Dip_Buyer_FCFYield	10312025	GPN	Global Payments	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-8.1%	-8.1%	-8.1%
APO_10102025_Dip_Buyer_FCFYield	10102025	APO	Apollo Asset Management	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	7.6%	7.6%	0.0%

Recent Active Movers

1 Day Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
TYRA	Tyra Biosciences	1.3	26.4%	51.1%
EXAS	Exact Sciences	19.0	16.8%	79.2%
LQDT	Liquidity Services	0.8	13.4%	-20.4%
OLMA	Olema Pharmaceuticals	1.9	13.3%	277.5%
KLIC	Kulicke & Soffa Industries	2.1	10.6%	-15.0%
AGIO	Agios Pharmaceuticals	1.4	10.0%	-25.2%
ADPT	Adaptive Biotechnologies	2.5	7.7%	172.2%
TNGX	Tango Therapeutics	1.0	7.4%	188.0%
MYGN	Myriad Genetics	0.6	7.1%	-49.7%
NRIX	Nurix Therapeutics	1.3	7.0%	-18.6%

1 Day Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
BBWI	Bath & Body Works	3.3	-25.8%	-58.9%
UTI	Universal Technical Institute	1.3	-20.4%	-8.8%
SNDK	SanDisk	28.4	-20.3%
CSIQ	Canadian Solar	1.4	-18.8%	92.7%
ONDS	Ondas	0.9	-16.4%	144.9%
LTBR	Lightbridge	0.3	-14.8%	207.2%
UUUU	Energy Fuels	2.9	-14.7%	157.5%
USAR	USA Rare Earth	1.1	-14.7%	40839.6%
OKLO	Oklo	12.3	-14.4%	314.5%
IONQ	IonQ	10.3	-14.4%	-1.8%

1 Week Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
OLMA	Olema Pharmaceuticals	1.9	177.2%	277.5%
CDTX	Cidara Therapeutics	3.4	107.1%	716.8%
SEMR	SEMrush	1.7	61.0%	-0.9%
SGML	Sigma Lithium	1.0	59.2%	-16.3%
NUVB	Nuvation Bio	2.4	49.5%	163.5%
EXAS	Exact Sciences	19.0	48.6%	79.2%
TYRA	Tyra Biosciences	1.3	34.7%	51.1%
ZYME	Zymeworks	1.8	28.8%	62.7%
SRRK	Scholar Rock	4.3	26.4%	-12.0%
TERN	Terns Pharmaceuticals	2.4	26.0%	371.3%

1 Week Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
STUB	Stubhub	3.4	-45.2%
AVXL	Anavex Life Sciences	0.3	-44.3%	-70.5%
AGIO	Agios Pharmaceuticals	1.4	-42.2%	-25.2%
AIRS	AirSculpt Technologies	0.2	-34.8%	-28.1%
DEFT	DeFi Technologies	0.3	-31.7%
BBWI	Bath & Body Works	3.3	-29.0%	-58.9%
OPEN	Opendoor Technologies	4.5	-28.0%	285.0%
ECX	ECARX	0.6	-28.0%	-18.5%
SOC	Sable Offshore	0.4	-27.7%	-81.4%
ENR	Energizer	1.3	-27.1%	-47.6%

1 Month Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
TERN	Terns Pharmaceuticals	2.4	220.8%	371.3%
OLMA	Olema Pharmaceuticals	1.9	168.7%	277.5%
INBX	Inhibrx Biosciences	1.2	153.3%	418.4%
VTYX	Ventyx Biosciences	0.7	149.0%	338.8%
COGT	Cogent Biosciences	4.0	133.7%	344.9%
CDTX	Cidara Therapeutics	3.4	121.0%	716.8%
MBX	MBX Biosciences	0.9	82.9%	46.7%
NUVB	Nuvation Bio	2.4	68.9%	163.5%
SGML	Sigma Lithium	1.0	60.1%	-16.3%
EXAS	Exact Sciences	19.0	60.0%	79.2%

1 Month Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
NTLA	Intellia Therapeutics	0.8	-67.3%	-31.0%
AVXL	Anavex Life Sciences	0.3	-66.1%	-70.5%
SOC	Sable Offshore	0.4	-64.0%	-81.4%
AIRS	AirSculpt Technologies	0.2	-63.6%	-28.1%
ASPN	Aspen Aerogels	0.2	-62.5%	-75.3%
CCOI	Cogent Communications	0.8	-61.4%	-77.0%
FMC	FMC	1.5	-58.9%	-73.8%
METC	Ramaco Resources	0.9	-58.2%	64.6%
LRN	Stride	2.8	-56.9%	-36.7%
UAMY	United States Antimony	0.7	-55.1%	232.2%

Recent Active Movers

1 Day Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
TYRA	Tyra Biosciences	1.3	26.4%	51.1%
EXAS	Exact Sciences	19.0	16.8%	79.2%
LQDT	Liquidity Services	0.8	13.4%	-20.4%
OLMA	Olema Pharmaceuticals	1.9	13.3%	277.5%
KLIC	Kulicke & Soffa Industries	2.1	10.6%	-15.0%
AGIO	Agios Pharmaceuticals	1.4	10.0%	-25.2%
ADPT	Adaptive Biotechnologies	2.5	7.7%	172.2%
TNGX	Tango Therapeutics	1.0	7.4%	188.0%
MYGN	Myriad Genetics	0.6	7.1%	-49.7%
NRIX	Nurix Therapeutics	1.3	7.0%	-18.6%

1 Day Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
BBWI	Bath & Body Works	3.3	-25.8%	-58.9%
UTI	Universal Technical Institute	1.3	-20.4%	-8.8%
SNDK	SanDisk	28.4	-20.3%
CSIQ	Canadian Solar	1.4	-18.8%	92.7%
ONDS	Ondas	0.9	-16.4%	144.9%
LTBR	Lightbridge	0.3	-14.8%	207.2%
UUUU	Energy Fuels	2.9	-14.7%	157.5%
USAR	USA Rare Earth	1.1	-14.7%	40839.6%
OKLO	Oklo	12.3	-14.4%	314.5%
IONQ	IonQ	10.3	-14.4%	-1.8%

1 Week Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
OLMA	Olema Pharmaceuticals	1.9	177.2%	277.5%
CDTX	Cidara Therapeutics	3.4	107.1%	716.8%
SEMR	SEMrush	1.7	61.0%	-0.9%
SGML	Sigma Lithium	1.0	59.2%	-16.3%
NUVB	Nuvation Bio	2.4	49.5%	163.5%
EXAS	Exact Sciences	19.0	48.6%	79.2%
TYRA	Tyra Biosciences	1.3	34.7%	51.1%
ZYME	Zymeworks	1.8	28.8%	62.7%
SRRK	Scholar Rock	4.3	26.4%	-12.0%
TERN	Terns Pharmaceuticals	2.4	26.0%	371.3%

1 Week Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
STUB	Stubhub	3.4	-45.2%
AVXL	Anavex Life Sciences	0.3	-44.3%	-70.5%
AGIO	Agios Pharmaceuticals	1.4	-42.2%	-25.2%
AIRS	AirSculpt Technologies	0.2	-34.8%	-28.1%
DEFT	DeFi Technologies	0.3	-31.7%
BBWI	Bath & Body Works	3.3	-29.0%	-58.9%
OPEN	Opendoor Technologies	4.5	-28.0%	285.0%
ECX	ECARX	0.6	-28.0%	-18.5%
SOC	Sable Offshore	0.4	-27.7%	-81.4%
ENR	Energizer	1.3	-27.1%	-47.6%

Peer Comparisons for Chubb

Financials

	CB	TRV	AIG	PRU	HIG	CINF	Median
Name	Chubb	Traveler.	American.	Prudenti.	Hartford.	Cincinna.
Mkt Price	296.32	287.85	75.69	104.12	134.77	163.66	149.22
Mkt Cap	117.7	64.5	41.9	37.0	37.9	25.5	39.9
Rev LTM	58,900	48,409	27,390	57,926	27,692	12,078	38,050
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	13,321	9,985	2,803	5,274	5,865	2,791	5,570
FCF 3Y Avg	13,409	8,682	4,120	5,781	4,922	2,481	5,351
CFO LTM	13,321	9,985	2,803	5,274	5,988	2,807	5,631
CFO 3Y Avg	13,409	8,682	4,120	5,781	5,109	2,499	5,445

Growth & Margins

	CB	TRV	AIG	PRU	HIG	CINF	Median
Name	Chubb	Traveler.	American.	Prudenti.	Hartford.	Cincinna.
Rev Chg LTM	6.7%	6.7%	2.9%	-21.0%	6.9%	-0.6%	4.8%
Rev Chg 3Y Avg	12.2%	10.1%	9.8%	1.9%	8.6%	22.7%	10.0%
Rev Chg Q	8.2%	4.8%	-5.2%	-8.2%	6.4%	12.2%	5.6%
QoQ Delta Rev Chg LTM	2.2%	1.2%	-1.3%	-2.7%	1.6%	3.5%	1.4%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	22.6%	20.6%	10.2%	9.1%	21.6%	23.2%	21.1%
CFO/Rev 3Y Avg	24.8%	19.4%	21.6%	9.4%	19.6%	22.0%	20.6%
FCF/Rev LTM	22.6%	20.6%	10.2%	9.1%	21.2%	23.1%	20.9%
FCF/Rev 3Y Avg	24.8%	19.4%	21.6%	9.4%	18.9%	21.9%	20.5%

Valuation

	CB	TRV	AIG	PRU	HIG	CINF	Median
Name	Chubb	Traveler.	American.	Prudenti.	Hartford.	Cincinna.
Mkt Cap	117.7	64.5	41.9	37.0	37.9	25.5	39.9
P/S	2.0	1.3	1.5	0.6	1.4	2.1	1.4
P/EBIT	9.0	8.4	8.1	-	8.2	9.6	8.4
P/E	12.2	11.0	12.9	14.1	10.6	12.0	12.1
P/CFO	8.8	6.5	14.9	7.0	6.3	9.1	7.9
Total Yield	9.5%	9.9%	10.1%	12.3%	10.9%	10.3%	10.2%
Dividend Yield	1.3%	0.8%	2.3%	5.2%	1.5%	2.0%	1.8%
FCF Yield 3Y Avg	12.9%	17.2%	9.2%	15.0%	15.8%	12.1%	13.9%
D/E	0.1	0.1	0.2	0.6	0.1	0.0	0.1
Net D/E	-0.2	-1.4	-0.7	-1.3	-0.5	-0.1	-0.6

Returns

	CB	TRV	AIG	PRU	HIG	CINF	Median
Name	Chubb	Traveler.	American.	Prudenti.	Hartford.	Cincinna.
1M Rtn	10.0%	6.9%	-3.4%	3.6%	7.7%	4.7%	5.8%
3M Rtn	6.6%	5.1%	-7.8%	-1.6%	1.6%	7.6%	3.4%
6M Rtn	3.9%	7.1%	-6.7%	4.4%	5.3%	13.9%	4.8%
12M Rtn	6.2%	13.8%	3.6%	-11.8%	15.9%	10.5%	8.3%
3Y Rtn	47.2%	64.4%	34.6%	13.0%	94.3%	65.7%	55.8%
1M Excs Rtn	9.6%	9.6%	-1.7%	5.7%	10.3%	7.7%	8.6%
3M Excs Rtn	6.0%	3.5%	-9.8%	-5.1%	-0.2%	4.8%	1.7%
6M Excs Rtn	-8.0%	-4.9%	-18.6%	-7.5%	-6.7%	2.0%	-7.1%
12M Excs Rtn	-6.9%	0.4%	-9.6%	-24.6%	5.0%	-0.8%	-3.9%
3Y Excs Rtn	-14.0%	6.1%	-30.2%	-50.5%	32.4%	2.6%	-5.7%

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	9/30/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	10/27/2025	2/27/2025	2/23/2024	2/24/2023	2/24/2022	2/25/2021	2/27/2020
Key Financials
Total Revenue	58,900	56,150	50,133	42,975	40,770	36,052	34,230
Net Income	9,675	9,272	9,028	5,246	8,525	3,533	4,454
EPS	24.12	22.94	21.97	12.50	19.38	7.82	9.77
Growth Rates
Total Revenue Growth	6.7%	12.0%	16.7%	5.4%	13.1%	5.3%	4.7%
Net Income Growth	-3.2%	2.7%	72.1%	-38.5%	141.3%	-20.7%	12.4%
Margins
Net Income Margin	16.4%	16.5%	18.0%	12.2%	20.9%	9.8%	13.0%
Cash & Debt
Total Cash	41,988	39,185	33,787	25,785	29,792	29,322	28,993
Total Debt	17,226	15,289	14,495	14,877	16,168	14,948	14,858
Net Debt / (Cash)	-24,762	-23,896	-19,292	-10,908	-13,624	-14,374	-14,135
Cash Flows
Net Cash from Operations	13,321	16,182	12,632	11,258	11,151	9,785	6,342
Free Cash from Operations	13,321	16,182	12,632	11,258	11,151	9,785	6,342
Returns to Shareholders
Dividends	1,488	1,436	1,394	1,375	1,401	1,388	1,354
Share Repurchases	2,973	1,801	2,411	2,894	4,861	523	1,530

$ Mil \| FY: 12/31	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4
Period End	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022
Filing Date	10/27/2025	7/28/2025	4/28/2025	2/27/2025	10/30/2024	7/26/2024	4/26/2024	2/23/2024	11/1/2023	7/28/2023	5/2/2023	2/24/2023
Key Financials Quarterly
Total Revenue	16,342	14,898	13,480	14,180	15,102	13,932	12,905	13,237	13,921	11,828	11,147	11,522
Net Income	2,801	2,968	1,331	2,575	2,324	2,230	2,143	3,300	2,043	1,793	1,892	1,311
EPS	7.05	7.42	3.32	6.33	5.75	5.51	5.28	8.10	4.99	4.35	4.57	3.16
Key Financials TTM
Total Revenue TTM	58,900	57,660	56,694	56,119	55,176	53,995	51,891	50,133	48,418	46,483	44,571	42,975
Net Income TTM	9,675	9,198	8,460	9,272	9,997	9,716	9,279	9,028	7,039	5,788	5,185	5,246
Growth Rates Quarterly
Total Revenue Growth	8.2%	6.9%	4.5%	7.1%	8.5%	17.8%	15.8%	14.9%	16.1%	19.3%	16.7%	11.9%
Net Income Growth	20.5%	33.1%	-37.9%	-22.0%	13.8%	24.4%	13.3%	151.7%	158.0%	50.7%	-3.1%	-38.4%
Margins Quarterly
Net Income Margin	17.1%	19.9%	9.9%	18.2%	15.4%	16.0%	16.6%	24.9%	14.7%	15.2%	17.0%	11.4%
Cash & Debt
Total Cash	41,988	40,369	38,858	39,185	39,910	36,290	35,891	33,787	32,450	28,709	25,103	25,785
Total Debt	17,226	14,976	14,508	15,289	16,131	14,731	15,513	14,495	14,436	14,481	14,375	14,877
Net Debt / (Cash)	-24,762	-25,393	-24,350	-23,896	-23,779	-21,559	-20,378	-19,292	-18,014	-14,228	-10,728	-10,908
Cash Flows Quarterly
FCF from Operations	3,639	3,551	1,566	4,565	4,318	4,079	3,220	3,186	4,680	2,515	2,251	2,658
Cash Flows TTM
FCF from Operations TTM	13,321	14,000	14,528	16,182	14,803	15,165	13,601	12,632	12,104	10,858	11,065	11,258
Returns to Shareholders Quarterly
Dividends	390	365	366	367	371	349	349	350	356	343	345	345
Share Repurchases	1,086	746	691	450	295	652	404	563	581	722	545	111
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Price Behavior

Price Behavior

Market Price	$296.32
Market Cap ($ Bil)	117.7
First Trading Date	03/26/1993
Distance from 52W High	-1.4%
	50 Days	200 Days
DMA Price	$281.76	$280.86
DMA Trend	indeterminate	up
Distance from DMA	5.2%	5.5%
	3M	1YR
Volatility	17.2%	20.2%
Downside Capture	-20.99	13.39
Upside Capture	14.97	17.86
Correlation (SPY)	-4.1%	26.1%

CB Betas & Captures as of 10/31/2025

	1M	2M	3M	6M	1Y	3Y
Beta	0.07	0.12	0.05	0.18	0.28	0.32
Up Beta	0.10	0.30	0.01	0.16	0.35	0.35
Down Beta	0.45	0.19	0.06	0.07	0.35	0.34
Up Capture	-29%	6%	15%	12%	8%	9%
Bmk +ve Days	14	27	37	74	145	425
Stock +ve Days	9	22	33	60	127	397
Down Capture	-11%	-2%	-8%	36%	23%	50%
Bmk -ve Days	9	17	28	53	106	327
Stock -ve Days	14	22	32	67	124	356

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

1Y 5Y 10Y

Based On 1-Year Data

		Comparison of CB With Other Asset Classes (Last 1Y)
	CB	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	4.3%	3.7%	12.4%	58.4%	3.9%	-3.2%	2.9%
Annualized Volatility	20.1%	19.2%	19.6%	19.7%	16.1%	17.7%	35.4%
Sharpe Ratio	0.10	0.06	0.48	2.22	0.06	-0.34	0.15
Correlation With Other Assets		50.2%	25.4%	5.6%	5.1%	49.7%	2.1%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data

		Comparison of CB With Other Asset Classes (Last 5Y)
	CB	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	17.0%	15.9%	14.6%	16.3%	12.3%	4.9%	41.5%
Annualized Volatility	21.1%	19.0%	17.1%	15.5%	18.9%	19.0%	49.1%
Sharpe Ratio	0.69	0.70	0.69	0.84	0.54	0.18	0.69
Correlation With Other Assets		62.7%	41.1%	1.4%	12.9%	39.7%	11.4%

Based On 10-Year Data

		Comparison of CB With Other Asset Classes (Last 10Y)
	CB	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	12.4%	12.1%	14.2%	13.7%	5.5%	5.4%	75.3%
Annualized Volatility	23.7%	22.4%	18.1%	14.8%	17.7%	20.9%	55.9%
Sharpe Ratio	0.50	0.51	0.68	0.76	0.24	0.23	0.94
Correlation With Other Assets		70.6%	56.7%	-0.9%	20.0%	54.6%	9.6%

Short Interest

Short Interest: As Of Date	10312025
Short Interest: Shares Quantity	2,658,518
Short Interest: % Change Since 10152025	16.8%
Average Daily Volume	2,507,193
Days-to-Cover Short Interest	1.06
Basic Shares Quantity	397,336,568
Short % of Basic Shares	0.7%

Returns Analyses

	Title
0	With Chubb Stock Surging, Have You Considered The Downside?
1	CB YTD Stock Return Of -3.6% Outperforms TRV by 7.0% and Underperforms PGR by -12%
2	Chubb Stock Return Comparison
3	Chubb Total Shareholder Return (TSR): 15.8% in 2022 and 14.2% 3-yr returns (above peer average)

Earnings Returns History

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	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
10/21/2025	2.7%	2.3%
7/22/2025	-3.1%	-3.7%	0.3%
4/22/2025	-2.0%	-1.9%	0.0%
1/28/2025	1.3%	-0.0%	3.5%
10/29/2024	-1.2%	-3.5%	1.1%
7/23/2024	-1.2%	5.1%	3.4%
4/23/2024	-2.7%	-0.5%	7.0%
1/31/2024	-0.0%	0.8%	2.3%
...
SUMMARY STATS
# Positive	12	16	19
# Negative	13	9	6
Median Positive	2.9%	2.2%	3.4%
Median Negative	-1.5%	-1.9%	-3.5%
Max Positive	5.3%	9.6%	23.6%
Max Negative	-6.2%	-5.4%	-8.4%

	Forward Returns
10/21/2025	2.7%	2.3%
7/22/2025	-3.1%	-3.7%	0.3%
4/22/2025	-2.0%	-1.9%	0.0%
1/28/2025	1.3%	-0.0%	3.5%
10/29/2024	-1.2%	-3.5%	1.1%
7/23/2024	-1.2%	5.1%	3.4%
4/23/2024	-2.7%	-0.5%	7.0%
1/31/2024	-0.0%	0.8%	2.3%
10/24/2023	2.0%	1.5%	7.2%
7/25/2023	5.3%	3.9%	2.9%
4/25/2023	-1.4%	-0.3%	-3.5%
1/31/2023	-6.2%	-5.4%	-8.4%
10/25/2022	1.4%	6.0%	6.3%
7/26/2022	-0.7%	-2.1%	4.3%
4/26/2022	3.5%	2.1%	2.3%
2/1/2022	3.8%	4.0%	3.1%
10/26/2021	1.6%	1.8%	1.7%
7/27/2021	-1.9%	1.9%	10.3%
4/27/2021	-1.5%	3.7%	-0.3%
2/2/2021	3.1%	9.2%	10.2%
10/27/2020	3.2%	9.6%	23.6%
7/6/2020	-0.1%	0.8%	-2.0%
4/21/2020	-5.5%	-1.8%	-6.9%
1/14/2020	0.4%	2.0%	9.3%
10/29/2019	3.2%	0.1%	2.3%
SUMMARY STATS
# Positive	12	16	19
# Negative	13	9	6
Median Positive	2.9%	2.2%	3.4%
Median Negative	-1.5%	-1.9%	-3.5%
Max Positive	5.3%	9.6%	23.6%
Max Negative	-6.2%	-5.4%	-8.4%

SEC Filings

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Report Date	Filing Date	Filing
9302025	10272025	10-Q 9/30/2025
6302025	7282025	10-Q 6/30/2025
3312025	4282025	10-Q 3/31/2025
12312024	2272025	10-K 12/31/2024
9302024	10302024	10-Q 9/30/2024
6302024	7262024	10-Q 6/30/2024
3312024	4262024	10-Q 3/31/2024
12312023	2232024	10-K 12/31/2023
9302023	11012023	10-Q 9/30/2023
6302023	7282023	10-Q 6/30/2023
3312023	5022023	10-Q 3/31/2023
12312022	2242023	10-K 12/31/2022
9302022	10282022	10-Q 9/30/2022
6302022	7292022	10-Q 6/30/2022
3312022	4292022	10-Q 3/31/2022
12312021	2242022	10-K 12/31/2021

Insider Activity

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Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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Chubb (CB)

Market Price (11/21/2025): $297.8 | Market Cap: $118.3 BilSector: Financials | Industry: Property & Casualty Insurance

Chubb (CB)

Market Price (11/21/2025): $297.8Market Cap: $118.3 BilSector: FinancialsIndustry: Property & Casualty Insurance

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CB Stock

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Market Price (11/21/2025): $297.8 | Market Cap: $118.3 Bil
Sector: Financials | Industry: Property & Casualty Insurance

Market Price (11/21/2025): $297.8
Market Cap: $118.3 Bil
Sector: Financials
Industry: Property & Casualty Insurance