Chubb (CB): analysis in plain words
Is Chubb cheap or expensive? How it makes money, whether it grows and its risks, explained in plain words and with its official accounts.
Chubb (CB) is listed on the NYSE and we classify it in insurance. Below are its key dated figures, how it makes money, how it compares with its sector, what works for and against Chubb according to those figures, and the questions people ask most about the stock. No buy or sell tips.
Chubb (CB) key figures as of November 4, 2026
| Figure | Value | What it measures |
|---|---|---|
| Share price | $374.17 | Last price on November 4, 2026 |
| P/E ratio (TTM) | 13.1x | Price over earnings per share |
| Revenue growth | +0.3% | Latest quarter vs the same quarter a year earlier |
| Net margin (TTM) | 18.1% | Profit for every 100 of sales |
| Net debt / EBITDA | Not meaningful (financial company) | Years of operating profit to repay debt |
| Dividend yield | 1.11% | Annual dividend over price |
| Market cap | $143.0 billion | What the stock market values it at |
The Chubb figures come from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026. Any CB figure that is not available shows as N/A: we do not estimate it.
How Chubb makes money
Chubb is a property and casualty insurer for businesses and individuals. Its segments include North America Commercial P&C, the largest, North America Personal P&C, known for high-net-worth homeowners coverage, Overseas General, Life Insurance and reinsurance. It earns money from premiums and from investing that premium money.
Over the last 12 months, Chubb brought in revenue of $61.9 billion. For every 100 it sells, Chubb keeps 29.8 after the direct cost of what it sells (gross margin) and 20.5 after all operating costs (operating margin). With 45,000 full-time employees, that is about $1 million of revenue per employee.
Chubb against its sector
To know whether a Chubb figure is high or low you have to put it next to similar companies. This table compares Chubb with the median of the 11 insurance companies Fintols covers, with data as of November 4, 2026.
| Figure | Chubb | insurance median |
|---|---|---|
| P/E | 13.1x | 13.1x (11) |
| Revenue growth | +0.3% | +3.0% (11) |
| Net margin | 18.1% | 11.2% (11) |
| Dividend yield | 1.11% | 2.35% (11) |
| ROE | 14.2% | 18.4% (11) |
In short, against the typical insurance company, Chubb grows more slowly, earns a wider margin and pays a lower dividend yield. By size, Chubb ranks number 2 of 7 insurance companies quoted in USD on Fintols.
The bull case for Chubb
These are the strengths in the Chubb figures as of November 4, 2026:
- Its net margin over the last 12 months is 18.1% (sector median: 11.2%): Chubb turns a large share of its sales into profit.
The main risk for Chubb
The Chubb figures as of November 4, 2026 show no clear red flag (no heavy debt, no losses, no falling sales). Its main risk is the one built into its business: natural catastrophes and claims above plan, plus swings in the markets where it invests premiums.
Frequently asked questions about Chubb
Is it a good time to buy Chubb stock?
Fintols does not tell you whether to buy or sell Chubb, and nobody knows what the price will do tomorrow. What we can show you is where it stands today. As of November 4, 2026, Chubb stock trades at $374.17, 0% below its 52-week high ($374.60) and 33% above its low ($282.11). Its P/E is 13.1x against a insurance median of 13.1x, and 12.7x on the earnings analysts expect over the next 12 months. With Chubb, as with any stock, timing matters less than understanding the business, investing for the long run and not betting everything on a single company.
Does Chubb pay a dividend?
Yes. As of November 4, 2026, Chubb pays $4.08 per share a year, which at today's price is a yield of 1.11%. It uses 14% of its profit to pay it, which leaves room to keep paying it if profit dips. Its average dividend yield over the last five years is 1.39%. The insurance median on Fintols is 2.35%.
Is Chubb stock expensive?
It depends on what you compare it with. On P/E, Chubb trades at 13.1x its last 12 months of earnings: in line with the insurance median (13.1x). For a financial company you also look at price to book value: 2.0x (insurance median: 2.2x). A high P/E alone does not make Chubb expensive: it can be justified if earnings grow fast, and a low one can reflect a business in trouble.
Who are Chubb's competitors?
On Fintols we compare Chubb with Progressive, AIG and Berkshire Hathaway, which are also in insurance. As of November 4, 2026, Progressive is worth $136.0 billion and trades on a P/E of 11.8; AIG is worth $42.7 billion and trades on a P/E of 15.0; Berkshire Hathaway is worth $1.24 trillion and trades on a P/E of 14.6. Each has a side-by-side comparison with Chubb below.
Chubb competitors
- Progressive (PGR) analysis · Chubb vs Progressive comparison
- AIG (AIG) analysis · Chubb vs AIG comparison
- Berkshire Hathaway (BRK-B) analysis · Chubb vs Berkshire Hathaway comparison
To understand Chubb better
- How to Read a Balance Sheet: A Beginner's Guide
- P/E Ratio and EPS Explained: How to Read Them Without Traps
More companies like Chubb: insurance stocks and S&P 500 companies. Open the full CB analysis with its valuation and scenarios. Educational content about Chubb, not investment advice.