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Market Price

155.22 

0.27 0.2%

as of Aug 22 '19

52 Week Range:

119.54 160.23


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Chubb Limited, through its subsidiaries, provides insurance and reinsurance products worldwide. The company's North America Commercial P&C Insurance segment offers commercial property, marine, general casualty, workers' compensation, package policies, and risk management; professional 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 in the United States, Canada, and Bermuda. 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 in the United States and Canada. 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 name 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 was formerly known as ACE Limited and changed its name to Chubb Limited in January 2016. Chubb Limited was founded in 1985 and is headquartered in Zurich, Switzerland.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 43.31
58.21
68.59
70.49
80.90
83.04
91.33
89.74
103.81
108.81
110.92
growth rate 34.4% 17.8% 2.8% 14.8% 2.7% 10.0% -1.7% 15.7% 4.8% 1.9%
Earnings BIT 2,410.00
2,960.00
2,990.00
2,200.00
2,000.00
3,240.00
3,551.00
3,516.00
5,670.00
4,271.00
4,843.00
growth rate 22.8% 1.0% -26.4% -9.1% 62.0% 9.6% -1.0% 61.3% -24.7% 13.4%
Avg.PE 10.37
7.96
8.83
12.02
13.23
10.68
11.65
13.59
15.63
17.84
15.69
growth rate -23.2% 10.9% 36.1% 10.1% -19.3% 9.1% 16.7% 15.0% 14.1% -12.1%
ROA 1.66
3.40
3.85
1.86
3.01
4.02
2.96
2.83
3.15
2.36
2.37
growth rate 104.8% 13.2% -51.7% 61.8% 33.6% -26.4% -4.4% 11.3% -25.1% 0.4%
ROE 7.69
14.94
14.58
6.68
10.40
13.34
9.77
9.65
10.68
7.76
7.81
growth rate 94.3% -2.4% -54.2% 55.7% 28.3% -26.8% -1.2% 10.7% -27.3% 0.6%
ROIC 10.22
11.79
11.12
8.68
8.02
12.09
10.77
growth rate 15.4% -5.7% -21.9% -7.6% 50.8% -10.9%
Leverage 4.99
3.96
3.63
3.57
3.36
3.28
3.32
3.51
3.31
3.26
3.33
growth rate -20.6% -8.3% -1.7% -5.9% -2.4% 1.2% 5.7% -5.7% -1.5% 2.2%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 4,220.00
4,147.00
18,146.00
5,426.00
5,323.00
8,970.00
9,334.00
10,075.00
growth rate -1.7% 337.6% -70.1% -1.9% 68.5% 4.1% 7.9%
Acct.Payable 2,177.00
42,751.00
10,071.00
43,087.00
42,397.00
67,376.00
70,905.00
71,389.00
growth rate 1,863.8% -76.4% 327.8% -1.6% 58.9% 5.2% 0.7%
Cur.Assets 22,071.00
21,345.00
23,500.00
32,008.00
30,412.00
32,421.00
34,654.00
growth rate -3.3% 10.1% 36.2% -5.0% 6.6% 6.9%
Total Assets 48,429.00
50,449.00
50,249.00
50,445.00
92,545.00
94,510.00
98,248.00
102,306.00
159,786.00
167,022.00
167,771.00
growth rate 4.2% -0.4% 0.4% 83.5% 2.1% 4.0% 4.1% 56.2% 4.5% 0.5%
Cash 56.00
51.00
70.00
58.00
615.00
579.00
655.00
1,775.00
985.00
728.00
1,247.00
growth rate -8.9% 37.3% -17.1% 960.3% -5.9% 13.1% 171.0% -44.5% -26.1% 71.3%
Cur.Liabilities 53,930.00
52,795.00
55,659.00
53,919.00
85,777.00
90,536.00
91,379.00
growth rate -2.1% 5.4% -3.1% 59.1% 5.6% 0.9%
Liabilities 34,997.00
34,815.00
34,719.00
35,144.00
65,014.00
65,685.00
68,661.00
73,171.00
111,511.00
115,850.00
117,459.00
growth rate -0.5% -0.3% 1.2% 85.0% 1.0% 4.5% 6.6% 52.4% 3.9% 1.4%
LT Debt 3,975.00
3,975.00
3,975.00
3,575.00
3,669.00
9,336.00
3,666.00
9,696.00
12,918.00
11,864.00
12,395.00
growth rate 0.0% 0.0% -10.1% 2.6% 154.5% -60.7% 164.5% 33.2% -8.2% 4.5%
Equity 13,432.00
15,634.00
15,530.00
15,301.00
27,531.00
28,825.00
29,587.00
29,135.00
48,275.00
51,172.00
50,312.00
growth rate 16.4% -0.7% -1.5% 79.9% 4.7% 2.6% -1.5% 65.7% 6.0% -1.7%
Common Shares 335.00
338.00
341.00
341.00
343.00
344.00
339.00
329.00
466.00
471.00
467.00
growth rate 0.9% 0.9% 0.0% 0.6% 0.3% -1.5% -3.0% 41.6% 1.1% -0.9%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 46.00
52.00
54.00
52.00
43.00
52.00
49.00
growth rate 13.0% 3.9% -3.7% -17.3% 20.9% -5.8%
Cash Dividends 471.00
487.00
472.00
450.00
815.00
517.00
862.00
862.00
1,173.00
1,308.00
1,337.00
growth rate 3.4% -3.1% -4.7% 81.1% -36.6% 66.7% 0.0% 36.1% 11.5% 2.2%
Cash From OA 2,544.00
2,435.00
2,331.00
1,878.00
3,995.00
4,022.00
4,496.00
3,864.00
5,292.00
4,503.00
5,480.00
growth rate -4.3% -4.3% -19.4% 112.7% 0.7% 11.8% -14.1% 37.0% -14.9% 21.7%
FCF per Share 12.09
9.88
10.39
11.04
11.66
10.77
13.20
12.02
11.63
10.32
10.65
growth rate -18.3% 5.2% 6.3% 5.6% -7.6% 22.6% -8.9% -3.2% -11.3% 3.2%
Sale Purchase of Stock -1,627.00
115.00
-152.00
127.00
131.00
167.00
151.00
growth rate 100.0% -100.0% 100.0% 3.2% 27.5% -9.6%
FCF 4,101.00
3,335.00
3,546.00
3,470.00
3,995.00
4,022.00
4,496.00
3,864.00
5,292.00
4,503.00
5,480.00
growth rate -18.7% 6.3% -2.1% 15.1% 0.7% 11.8% -14.1% 37.0% -14.9% 21.7%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 13,221.00
13,016.00
13,319.00
13,585.00
17,965.00
19,261.00
19,173.00
18,968.00
31,480.00
32,340.00
32,679.00
growth rate -1.6% 2.3% 2.0% 32.2% 7.2% -0.5% -1.1% 66.0% 2.7% 1.1%
Op.Income 2,407.00
2,962.00
2,988.00
1,678.00
2,706.00
3,758.00
3,551.00
3,516.00
5,670.00
4,271.00
4,843.00
growth rate 23.1% 0.9% -43.8% 61.3% 38.9% -5.5% -1.0% 61.3% -24.7% 13.4%
IBT 2,407.00
2,962.00
2,988.00
2,199.00
2,976.00
4,238.00
3,487.00
3,296.00
4,950.00
3,722.00
4,657.00
growth rate 23.1% 0.9% -26.4% 35.3% 42.4% -17.7% -5.5% 50.2% -24.8% 25.1%
Net Income 1,804.00
2,183.00
2,174.00
1,678.00
2,706.00
3,758.00
2,853.00
2,834.00
4,135.00
3,861.00
3,962.00
growth rate 21.0% -0.4% -22.8% 61.3% 38.9% -24.1% -0.7% 45.9% -6.6% 2.6%
EPS 3.50
7.55
9.11
4.52
7.89
10.92
8.42
8.62
8.87
8.19
8.49
growth rate 115.7% 20.7% -50.4% 74.6% 38.4% -22.9% 2.4% 2.9% -7.7% 3.7%
Gross Profit 3,200.00
3,727.00
4,637.00
6,178.00
5,464.00
6,739.00
6,031.00
6,078.00
9,005.00
7,545.00
8,224.00
growth rate 16.5% 24.4% 33.2% -11.6% 23.3% -10.5% 0.8% 48.2% -16.2% 9.0%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 1,575.00
1,416.00
527.00
1,349.00
1,252.00
growth rate -10.1% -62.8% 156.0% -7.2%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 10,341.00
10,193.00
10,075.00
9,826.00
10,935.00
growth rate -1.4% -1.2% -2.5% 11.3%
Acct.Payable 71,667.00
72,339.00
71,389.00
73,441.00
74,028.00
growth rate 0.9% -1.3% 2.9% 0.8%
Cur.Assets 33,254.00
33,588.00
34,654.00
34,227.00
35,402.00
growth rate 1.0% 3.2% -1.2% 3.4%
Total Assets 167,534.00
167,684.00
167,771.00
171,347.00
174,516.00
growth rate 0.1% 0.1% 2.1% 1.9%
Cash 1,000.00
1,053.00
1,247.00
1,271.00
1,270.00
growth rate 5.3% 18.4% 1.9% -0.1%
Inventory
growth rate
Cur.Liabilities 91,952.00
92,225.00
91,379.00
93,801.00
94,169.00
growth rate 0.3% -0.9% 2.7% 0.4%
Liabilities 116,563.00
116,750.00
117,459.00
118,992.00
120,714.00
growth rate 0.2% 0.6% 1.3% 1.5%
LT Debt 12,492.00
12,457.00
12,395.00
12,379.00
13,679.00
growth rate -0.3% -0.5% -0.1% 10.5%
Equity 50,971.00
50,934.00
50,312.00
52,355.00
53,802.00
growth rate -0.1% -1.2% 4.1% 2.8%
Common Shares 11,121.00
11,121.00
11,121.00
11,121.00
11,121.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures
growth rate
Cash Dividends 331.00
340.00
336.00
336.00
335.00
growth rate 2.7% -1.2% 0.0% -0.3%
Cash From OA 1,646.00
1,700.00
1,583.00
1,322.00
1,386.00
growth rate 3.3% -6.9% -16.5% 4.8%
Sale Purchase of Stock
growth rate
FCF
growth rate
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 8,500.00
8,736.00
7,606.00
7,906.00
8,524.00
growth rate 2.8% -12.9% 3.9% 7.8%
Op.Income 1,575.00
1,416.00
527.00
1,349.00
1,252.00
growth rate -10.1% -62.8% 156.0% -7.2%
IBT 1,512.00
1,414.00
514.00
1,228.00
1,358.00
growth rate -6.5% -63.7% 138.9% 10.6%
Net Income 1,294.00
1,231.00
355.00
1,040.00
1,150.00
growth rate -4.9% -71.2% 193.0% 10.6%
EPS
growth rate
Gross Profit 2,399.00
2,237.00
1,468.00
2,148.00
2,104.00
growth rate -6.8% -34.4% 46.3% -2.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (59.60)

YOY Growth Grade:

D (33.86)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.19 18.40 12.75
EPS / Growth 5.9% 8.44 8.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 11.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.9% 8.8% 8.8%
Future PE 11.70 15.81 15.81
Future EPS 14.90 19.52 19.52
Value Price
MOS %
43.08
-72.2%
76.29
-50.8%
76.29
-50.8%
MOS Price 21.54 38.15 38.15
IRT 12.33 10.82 10.82

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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