Chubb Ltd. (CB) intrinsic value & 10-year financials
Chubb Ltd. (CB) has a Graham intrinsic value of $542.80 per share. At $359.79 on Oct 17, 2026, the stock trades 34% below that value. Over the last 10 fiscal years revenue grew 7.3% a year to $59.4B, with an average return on invested capital of 8.9%.
- Graham intrinsic value
- $542.80
- Share price (Oct 17, 2026)
- $359.79
- Price vs Graham value
- 34% below
- Market cap
- $144.5B
- Revenue (FY2025)
- $59.4B
- Revenue growth (10-yr CAGR)
- 7.3%
- ROIC (10-yr avg)
- 8.9%
- Free cash flow (FY2025)
- —
CB 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $59.4B | $10.3B | $25.68 | — | — | 12.5% |
| FY2024 | $55.8B | $9.3B | $22.70 | — | — | 12.5% |
| FY2023 | $49.7B | $9.0B | $21.80 | — | — | 13.4% |
| FY2022 | $43.2B | $5.3B | $12.55 | — | — | 7.7% |
| FY2021 | $41.0B | $8.5B | $19.27 | — | — | 11.6% |
| FY2020 | $36.0B | $3.5B | $7.79 | — | — | 5.0% |
| FY2019 | $34.2B | $4.5B | $9.71 | — | — | 6.8% |
| FY2018 | $32.7B | $4.0B | $8.49 | — | — | 6.4% |
| FY2017 | $32.2B | $3.9B | $8.19 | — | — | 6.3% |
| FY2016 | $31.5B | $4.1B | $8.87 | — | — | 6.8% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Chubb Limited has demonstrated mature, steady growth, with revenue compounding at 7.3% annually over the past decade.
Chubb Limited returns on capital have been average, hovering around 8.9% ROIC over the decade.
Over the decade, Chubb Limited shows that management has aggressively returned capital to shareholders by retiring 13.8% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Chubb Limited is modeled at 8.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $542.80 per share.