CluenexChubb Limited CB
Chubb Limited scores average on business quality (5.2 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What Chubb Limited does
Chubb Limited underwrites property, casualty, and specialty insurance, generating revenue through premium collections and investment income from its float. The firm focuses on commercial and high-net-worth personal insurance markets globally.
- What it does best
Chubb excels at underwriting discipline, producing an operating margin of 23.4% that sits in the middle of its sector. This edge relies on deep historical loss data and global licensing reach, which smaller insurers cannot easily copy.
- The main risk
Catastrophic loss exposure remains the primary threat. Large-scale natural disasters can instantly spike claims and impair net income of $11.2B.
Quality, check by check
Scored against its own industry, from company filings.
Operating margin stands at 23.4% with a return on equity of 15.2%. Profitability remains stable as underwriting discipline offsets claim volatility.
Chubb lacks a wide economic moat, ranking in the middle of the pack for operating margin at 57th percentile, leaving it exposed to standard property and casualty pricing cycles.
Revenue grew to $61.8B, marking a 6.5% rate that reflects steady middle-of-the-pack performance compared to historical annual figures.
Debt-to-equity sits at 0.2, and interest coverage is 18.1x, meaning debt costs are manageable. Operating cash flow reached $15.4B.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
2 sold $5.0M outside pre-planned sales.
Our sealed record on CB
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
Chubb Limited scores average on the Cluenex quality check (5.2 of 10), measured against its own industry. Profitability is fair, moat weak, growth steady and financial health fair.
In the last 90 days of SEC Form 4 filings: 2 sold $5.0M outside pre-planned sales.
Oct 20, 2026, after the close.
See CB today
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Cite this page: Cluenex, “Chubb Limited (CB)”, https://cluenex.com/stocks/cb/, data as of Oct 10, 2026.