What is Chubb Limited (CB) DCF Fair Value and Intrinsic Value in 2026?

Chubb Limited (CB) intrinsic value is calculated using conservative multi-stage Discounted Cash Flow (DCF) models, 5-year free cash flow trajectories, Graham Numbers, and owner earnings multiples. LocalAlpha tracks real-time margin of safety against live market prices.

What is Chubb Limited's historical Return on Invested Capital (ROIC) and Moat Rating?

Chubb Limited operates in the Financials sector (Insurance - Property & Casualty) with an economic moat rating of NARROW. LocalAlpha tracks 5-year audited quarterly ROIC, operating margin stability, and balance sheet solvency ratios.

What is Chubb Limited's financial health rating and Piotroski F-Score?

Chubb Limited's balance sheet quality is evaluated using the 9-point Piotroski F-Score, Altman Z-Score solvency model, debt-to-equity ratio, and quick/current liquidity coverage to guard against financial distress.

How does LocalAlpha monitor Chubb Limited (CB) for quarterly SEC filing thesis breaks?

LocalAlpha audits Chubb Limited's 10-K, 10-Q, and 8-K regulatory filings on SEC EDGAR within 15 minutes of release. If reported metrics breach an investor's custom ROIC floor, operating margin boundary, or qualitative risk criteria, an autonomous breach audit is dispatched immediately.

StocksCB

CB

Chubb LimitedFinancial Services / Insurance - Property & CasualtyINTACT

Chubb Limited provides insurance and reinsurance products worldwide. It operates in six segments: North America Commercial Property and Casualty (P&C) Insurance, North America Personal P&C Insurance, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance, and Life Insurance. The company offers property and general liability, workers' compensation, and umbrella; professional and management liability; environmental, health, and international coverages; and claims and risk management products and services, loss control, and engineering and complex claims management. It also provides homeowners, automobile and collector cars, valuable articles, and personal and excess liability insurance. In addition, the company offers multiple peril crop insurance and crop-hail insurance for farm, ranch, specialty (P&C), and commercial agriculture products; product and employer liability, business interruption, and specialty risk; property insurance products, including traditional commercial fire coverage, energy industry-related, marine, construction, and other technical coverages; personal accident and supplemental medical coverages, such as accidental death, business/holiday travel, specified disease, disability, medical and hospital indemnity, and income protection; and directors and officers, professional indemnity, cyber, surety, aviation, political risk, and specialty personal lines products. Further, it provides property catastrophe reinsurance; traditional and specialty P&C reinsurance; and protection and savings products, which includes individual and group term life, dental, critical illness, dementia, hospital cash, credit life, group employee benefits, whole life, universal life, unit linked contracts, endowment plans, and annuities. 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.

Share Price

$338.25

52W: $265.3 - $365.91

DCF Fair Value

$631.10

+46.4% MoS

Thesis Hub

P/E (TTM)

12x

ROIC

17.6%

Operating Margin

23.5%

FCF Yield

Debt / Equity

0.31x

Piotroski Score

6/9

Altman Z-Score

3.91

Market Cap

$130.5B

Price vs. Intrinsic Value Corridor

Margin of Safety Buy Zone (<25% Discount)

Historical market price overlaid against conservative DCF Fair Value & Benjamin Graham Margin of Safety bands.

Period Return (1Y)

—()

Period Range

$— - $—

DCF Fair Value

$631.10

MOS Buy Target (-25%)

$473.33

Valuation Overlays: DCF Fair Value ($631.10) 25% MOS Buy Target ($473.33) Revised Graham ($674.92) Graham Number ($352.22)

2-Stage Discounted Cash Flow (DCF) Workbench

Conservative intrinsic value model based on owner cash generation over a 10-year investment horizon. Opens with LocalAlpha's baseline assumptions (matching the fair value shown above) — adjust any input to stress-test.

Current Market Price

$338.25

DCF Fair Value

$629.97

+46.3% MoS

Starting Free Cash Flow ($M)$10,488M

$100M$10,488M (Reported)$50,000M

Stage 1 Growth (Years 1-5)11.7%

-5%10% (Target)35%

Stage 2 Growth (Years 6-10)4.5%

0%5%20%

Discount Rate (WACC / Hurdle)9.0%

6%9% (Standard)15% (High Risk)

Terminal Perpetual Growth2.5%

1% (GDP Floor)2.5% (Inflation)4.0%

Net Debt ($M)$17,000M

-$100B CashBalance Sheet+$150B Debt

10-Yr PV of Cash Flows

$108.8B

PV of Terminal Value

$151.4B

Implied Enterprise Value

$260.2B

Implied Equity Value

$243.2B

Year	Yr 1	Yr 2	Yr 3	Yr 4	Yr 5	Yr 6	Yr 7	Yr 8	Yr 9	Yr 10
Projected FCF ($M)	$11,715	$13,086	$14,617	$16,327	$18,237	$19,058	$19,916	$20,812	$21,748	$22,727
Present Value (PV)	$10,748	$11,014	$11,287	$11,566	$11,853	$11,364	$10,894	$10,445	$10,013	$9,600

Benjamin Graham & Buffett Value Models

Classical deep value metrics based on asset backing, normalized earnings power, and owner cash yield.

Graham Number+4%

$352.22

Calculated as √(22.5 × EPS × BVPS). The maximum theoretical price a defensive investor should pay based purely on asset book value and current earnings.

EPS: $28.21BVPS: $195.45

Revised Graham Formula+49.9% MoS

$674.92

Formula: V = (EPS × (8.5 + 2g) × 4.4) / Y where g is the conservative 7-10 yr growth rate and Y is AAA Bond Yield.

Growth Rate (g%)

Bond Yield (Y%)

Buffett Owner Earnings7.6% Yield

$25.81 / share

True distributable cash flow: Net Income + D&A - Maintenance CapEx. Reflects the cash Buffett would extract without hurting unit volume.

Total: $10.0BYield: 7.6%

Reverse DCF: Market Growth Expectation

EXTREMELY LOW BARRIER

-0.7% CAGR (Next 10 Yrs)

At the current price of $338.25, the market is assuming the business will compound Free Cash Flow at -0.7% per year for the next decade with a 9% hurdle rate.

Value Investor Verdict

✓ Low market hurdle: Easy for a wide-moat compounder to beat.

Autonomous Thesis Underwriting

Surveil CB with Mathematical Margin of Safety Rules

Set non-negotiable floor rules for Chubb Limited. If a newly filed quarterly 10-Q breaks your ROIC floor, operating margin boundary, or balance sheet leverage rules, receive an autonomous breach audit within 15 minutes.

Buffett Quality

ROIC > 15% • Margin > 15% • D/E < 0.5x

Margin Floor Guard

Current Margin 23.5% • Floor > 10%

Solvency Guard

Altman-Z > 2.6 • Current Ratio > 1.5x

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Frequently Asked Questions: Chubb Limited (CB) Intrinsic Valuation

Audited fundamentals, DCF intrinsic value sensitivity, and thesis break detection parameters for Chubb Limited.

Based on institutional multi-stage Discounted Cash Flow (DCF) modeling on audited SEC cash flows, Chubb Limited has an estimated DCF intrinsic fair value of $631.10 per share compared to its current market price of $338.25. This represents an estimated 46.4% margin of safety (trading below fair value). Additionally, its classic Benjamin Graham Number stands at $352.22.