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Chubb Ltd
CB : NYSE : Financial
$114.31 | %
Today's Range: 111.70 - 114.36
Avg. Daily Volume: 2,794,700
02/12/16 - 4:02 PM ET

Financial Analysis


Even though sales decreased, the net income has increased, representing an increase to the bottom line.

During the same period, stockholders' equity ("net worth") has remained virtually unchanged only decreasing by 1.52% from the same quarter last year.

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Income Statement Q4 FY15 Q4 FY14
Net Sales ($mil)4679.04735.0
EBITDA ($mil)0.00.0
EBIT ($mil)0.0796.0
Net Income ($mil)683.0555.0


Balance Sheet Q4 FY15 Q4 FY14
Cash & Equiv. ($mil)12221.05536.0
Total Assets ($mil)102366.098248.0
Total Debt ($mil)9756.06218.0
Equity ($mil)29135.029587.0


Profitability Q4 FY15 Q4 FY14
Gross Profit Margin0.016.81
EBITDA Margin0.00.0
Operating Margin0.016.81
Sales Turnover0.190.2
Return on Assets2.762.9
Return on Equity9.729.64
Debt Q4 FY15 Q4 FY14
Current Ratio0.00.0
Debt/Capital0.250.17
Interest Expense93.067.0
Interest Coverage0.011.88


Share Data Q4 FY15 Q4 FY14
Shares outstanding (mil)324.56328.66
Div / share0.670.65
EPS2.081.66
Book value / share89.7790.02
Institutional Own % n/a n/a
Avg Daily Volume2669572.02273745.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 15.16 for the Insurance industry and a discount compared to the S&P 500 average of 21.13. For additional comparison, its price-to-book ratio of 1.26 indicates a discount versus the S&P 500 average of 2.51 and a discount versus the industry average of 1.44. The price-to-sales ratio is above the S&P 500 average and well above the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, CHUBB LTD proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
CB 13.15 Peers 15.16   CB NA Peers 10.43

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

CB is trading at a discount to its peers.

 

Neutral. The P/CF ratio is the stock’s price divided by the sum of the company's cash flow from operations. It is useful for comparing companies with different capital requirements or financing structures.

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
CB 10.99 Peers 13.64   CB 0.87 Peers 2.32

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

CB is trading at a discount to its peers.

 

Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

CB trades at a significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
CB 1.26 Peers 1.44   CB 2.50 Peers 2.66

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

CB is trading at a discount to its peers.

 

Average. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

CB is expected to keep pace with its peers on the basis of earnings growth.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
CB 1.93 Peers 1.21   CB -0.79 Peers -1.50

Premium. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

CB is trading at a significant premium to its industry.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

CB has a sales growth rate that significantly exceeds its peers.

 

 

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