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CBCB

Chubb Limited

$CB·$137B·Insurance - Property & Casualty·Financial Services
$352.16+2.5%YTD+13.4%1Y+27.8%
Mentions · last 7 days
2026-07-10: 99 posts2026-07-11: 35 posts2026-07-12: 80 posts2026-07-13: 114 posts2026-07-14: 54 posts2026-07-15: 48 posts2026-07-16: 27 posts467+1%
Price updated 8h ago·X counts updated 1d ago
CBCB
$CBChubb Limited
$352.16+2.46%467 posts+1%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $CB, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-07-18

The move is getting stronger, with heavier trading behind it.

Chubb is one of the highest-quality P&C insurers with a 12.6% FCF yield — the July 21 print is the specific catalyst.

Chubb Limited is a global P&C insurer with commercial property/casualty, personal insurance and reinsurance franchises — the highest-underwriting-quality name in the multiline P&C basket. The stock is up 13% YTD and 28% YoY, sitting in the top 87% of its 52-week range with the print landing next Monday.

  • Revenue growth is stable and mid-single-digit: Q1 revenue grew 10.3% YoY to $14.76B after +7.9% in Q4 and +7.3% in Q3 — three straight quarters of accelerating growth, driven by rate-firming across commercial lines and continued personal-lines premium expansion.
  • The earnings quality is genuinely elite: 32% return on invested capital, 15.7% return on equity, 11.4x TTM earnings and 11.4x EV/EBITDA — those are exceptional insurance-industry economics, and the multiple looks cheap given the trajectory.
  • The FCF yield is genuinely high for a P&C name: 12.6% trailing free-cash-flow yield with 19% operating margin is what makes CB the cleanest capital-return story in the insurance space, and the C$800M senior notes issuance shows the balance sheet has runway for additional buybacks and dividend growth.
  • The niche-market expansion signals are real: the Chubb survey of young luxury collectors and the Foxen/Healthy Paws pet-insurance partnership expansion into multifamily housing shows management continuing to build differentiated distribution — real product optionality that doesn't rely on macro cycle.

The July 21 Q2 print is the near-term arbiter: net premiums written extending above +8% with reaffirmed underwriting-margin guide and any commentary on natural-catastrophe reinsurance pricing is what pushes the tape toward $380+; a soft commercial-rate print or a large-cat-loss disclosure sends the stock back through $325 support and turns accelerating into cooling.

What to watch: The July 21 Q2 earnings — net premiums written vs Q1's +10.3%, underwriting-margin trajectory, and natural-catastrophe reinsurance commentary. Above-8% growth with clean underwriting pushes the tape to $380+; a large-cat-loss disclosure sends the stock through $325.

On the calendar: 2026-07-21 — Q2 2026 earnings

Read the AI verdict + X sentiment for $CB

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What it does

Plain-English summary of the business — what they sell and how they make money.

Global property and casualty insurer with operations in 54+ countries offering commercial, personal, and specialty lines under Chubb and ACE brands.

Industry overviewAI analysisGenerated by AI from underlying data

Where Insurance - Property & Casualty sits in its cycle right now — and what that implies for $CB.

Insurance - Property & Casualty · Financial Services

No material change from last week — climate-driven cat events push combined ratios higher across P&C underwriters, keeping reinsurance costs sticky even as rate cycles moderate.

What this means for $CB

Partial — Global property and casualty insurer with operations in 54+ countries offering commercial, personal, and specialty lines under Chubb and ACE brands; the climate-driven cat events and P&C rate hardening creates tailwinds for one product line, not the full operation.

Top industry ETF

$KIESPDR S&P Insurance ETF
+6.8%YTD
+11.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
11.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
32.5%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
18.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
12.6%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.1Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
15.6%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
35.2%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.2Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026Apr 21, 2026$6.82$6.60+3.3%
Q4 2025Feb 3, 2026$7.52$6.77+11.1%
Q3 2025Oct 21, 2025$7.49$6.17+21.4%
Q2 2025Jul 22, 2025$6.14$5.98+2.7%
Next earningsTue, Jul 21·consensus EPS $6.77

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$14.8B+10.3%46.4%0.0%$5.88$3.9B
Q4 FY25$15.3B+7.9%32.4%24.6%$8.10$4.8B
Q3 FY25$16.2B+7.3%32.5%24.0%$7.05$3.6B
Q2 FY25$14.9B+6.8%29.9%25.0%$7.44$3.6B

Forward consensus

3-year forecast · up to 7 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$58.6B$57.1B – $59.4B$27.16$25.21 – $29.177
FY27$61.6B$59.6B – $62.9B$29.27$26.38 – $31.046
FY28$64.5B$62.7B – $65.6B$31.95$30.57 – $36.202

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.87%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+6.3%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+11.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 351.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.8% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.415-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 8Ortega Juan LuisPresident3.9K sh$1.3MSellMay 27John W KeoghCOO23.0K sh$7.4MSellMay 21Michael G AtiehDirector578 sh$190KSellMar 19Olivier SteimerDirector2.0K sh$659KSellMar 6George F. OhsiekChief Accounting Officer770 sh$250KSellMar 4Bryce L. JohnsPresident1.5K sh$505KSellMar 3Joseph F WaylandPresident7.6K sh$2.6M
+ 61 other (27 inkinds · 22 awards · 9 returns · 2 gifts · 1 exempt) in window

See when $CB insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KOfficer or director changeMay 228-K — Item 5.02: Officer or director change · Item 5.03: Charter amendment · Item 5.07: Shareholder vote
AI summary

Chubb Limited (CB) filed an 8-K on May 21, 2026 reporting a personnel change (Item 5.02), a bylaw or articles amendment (Item 5.03), and annual shareholder meeting vote results (Item 5.07). Chubb is a Zurich, Switzerland-based global insurance company listed on the NYSE. The excerpt does not reveal the specific executive change or nature of the bylaw amendment; a governance document change alongside personnel and vote disclosures at an annual meeting is not unusual but the bylaw amendment may warrant review.

8-KCharter amendmentMar 118-K — Item 5.03: Charter amendment
+ 15 other (3 proxys · 2 routine 8-Ks · 2 13Gs · 2 earnings 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Will Chubb Limited Deliver an Earnings Beat in the Second Quarter?zacks.com·16h agoChubb (CB) Q2 Earnings Preview: What You Should Know Beyond the Headline Estimateszacks.com·2d agoChubb Survey Finds 78% of Young Luxury Collectors Buy for Investment, But More Than Half Remain Uninsuredprnewswire.com·2d agoFoxen Partners with Healthy Paws to Bring Discounted Pet Insurance to Multifamily Rentersprnewswire.com·3d agoChubb (CB) Stock Drops Despite Market Gains: Important Facts to Notezacks.com·3d ago

In themes

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