Is Chubb Limited overvalued?

In our latest published analysis dated 2026-05-10, CB screens modestly overvalued. The price recorded at analysis is USD 320 versus a composite fair-value midpoint of USD 297 (range USD 252–USD 360), implying roughly 7.0% downside to the midpoint at that date.

What is CB's fair value?

Our latest published report, analyzed 2026-05-10, gives CB a composite fair-value range of USD 252–USD 360, with a midpoint of USD 297. The range is triangulated across multiple valuation models and weighted by reliability for Chubb Limited's archetype; it is a dated research output, not a live price.

Our latest published rating for CB, analyzed 2026-05-10, is Hold with a confidence score of 81/100. Chubb Limited screens modestly overvalued at the analysis-date price of USD 320 versus a fair-value midpoint of USD 297. This is research for educational purposes, not personalized investment advice.

What are the biggest risks for CB?

The top risks our latest published report dated 2026-05-10 flags for Chubb Limited are: Severe Catastrophe Accumulation; Prolonged Soft Market; Investment Portfolio Shock.

Our latest published rating for CB, analyzed 2026-05-10, is Hold, with a confidence score of 81/100 and a moat score of 6.5/10. It reflects the composite fair-value range (USD 252–USD 360) versus the price recorded at analysis (USD 320).

What archetype is CB?

In the latest published report analyzed 2026-05-10, Chubb Limited is classified as a financial stock. Archetype determines how every downstream parameter — discount rate, terminal growth, deceleration curve, terminal multiple, scenario probability weights, scorecard weights, and which valuation models are prioritized — is calibrated for CB.

What is CB's intrinsic value?

Chubb Limited (CB)'s intrinsic value is triangulated from discounted earnings at two cost-of-equity levels (strict CAPM with raw beta, moderate with adjusted beta), with owner earnings used as a floor for high-growth names.

How do you calculate CB's fair value?

Each model produces a per-share value; the composite range comes from a weighted blend driven by the archetype's model-applicability matrix. Cost of equity, terminal growth, and the deceleration curve are documented in the assumption ledger.

Why does CB use cost of equity instead of WACC?

EPS-based models are discounted at cost of equity; FCFF models use WACC and then subtract net debt to bridge enterprise value to equity value. Each model is labelled with its discount-rate convention so the reader can verify the bridge.

What is owner earnings for CB?

Owner earnings (Buffett's definition) is net income plus depreciation and amortization minus maintenance capex. We do not subtract stock-based compensation again because net income already includes it; dilution is tracked separately via share-count growth.

CB intrinsic value: discounted earnings and owner earnings

Latest published researchAnalyzed 2026-05-10; report age: stale; sources: unverified. Age and source freshness are disclosed but do not remove the latest published report from discovery or indexing. Prices and valuation figures are the analysis-date snapshot, not a live quote.

Direct answer

Chubb is a premier global P&C insurer with strong underwriting discipline and a robust investment portfolio. While near-term top-line estimates suggest normalization, its scale and disciplined capital allocation support a steady baseline of residual income generation. Fair value range: low $252, high $360, with mid-point at $297.

INTRINSIC VALUE FAQ

CB intrinsic value questions

Chubb Limited (CB)'s intrinsic value is triangulated from discounted earnings at two cost-of-equity levels (strict CAPM with raw beta, moderate with adjusted beta), with owner earnings used as a floor for high-growth names.

FAQ

CB — frequently asked questions

In our latest published analysis dated 2026-05-10, CB screens modestly overvalued. The price recorded at analysis is USD 320 versus a composite fair-value midpoint of USD 297 (range USD 252–USD 360), implying roughly 7.0% downside to the midpoint at that date.

Metric	Current	Trigger threshold
Combined ratio trending above 100% for two consecutive quarters.	Monitor	Deterioration versus the report thesis
Accelerating rate decreases in key commercial property and casualty lines.	Monitor	Deterioration versus the report thesis
Unexpectedly large reserve additions for prior accident years.	Monitor

Line item	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$40.77B	$43.06B+5.6%	$49.83B+15.7%	$56.01B+12.4%	$59.78B+6.7%	+10.0%
Gross profit	—	—	—	—	—	—
Operating income	—	—	—	—	—	—
Net income	$8.53B	$5.25B-38.5%	$9.03B+72.0%	$9.27B+2.7%	$10.31B+11.2%	+4.9%
EPS (diluted)	$19.27	$12.55	$21.80	$22.51	$25.68	+7.4%
EBITDA	—	—	—	—	—	—
R&D	—	—	—	—	—	—
SG&A	$3.14B	$3.40B	$4.01B	$4.38B	$4.50B	+9.5%

CB intrinsic value questions

CB — frequently asked questions

CB Chubb Limited fair value $252–$360

§1 Executive summary

Names readers of CB also follow

§2 Bear case

Severe Catastrophe Accumulation

Prolonged Soft Market

Investment Portfolio Shock

§3 Financial history

Income statement — last six periods

Quality scores

Numbers analysis

Read the full analysis — 11 more sections.