CB : NYSE : Financial
$136.78 up 1.3 | 0.96%
Today's Range: 136.02 - 137.65
Avg. Daily Volume: 1289400.0
04/24/17 - 4:00 PM ET

Financial Analysis


CHUBB LTD's gross profit margin for the fourth quarter of its fiscal year 2016 has significantly increased when compared to the same period a year ago. The company has grown sales and net income significantly, outpacing the average growth rates of competitors within its industry.

At the same time, stockholders' equity ("net worth") has greatly increased by 65.69% from the same quarter last year.

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Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)8332.04686.0
EBITDA ($mil)0.00.0
EBIT ($mil)2064.0879.0
Net Income ($mil)1610.0683.0


Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)8335.014578.0
Total Assets ($mil)159786.0102366.0
Total Debt ($mil)14821.011160.0
Equity ($mil)48275.029135.0


Profitability Q4 FY16 Q4 FY15
Gross Profit Margin24.7718.76
EBITDA Margin0.00.0
Operating Margin24.7718.76
Sales Turnover0.20.19
Return on Assets2.582.76
Return on Equity8.569.72
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Debt/Capital0.230.28
Interest Expense154.093.0
Interest Coverage13.49.45


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)465.97324.56
Div / share0.690.67
EPS3.412.08
Book value / share103.689.77
Institutional Own % n/a n/a
Avg Daily Volume1297035.01641187.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 23.42 for the Insurance industry and a discount compared to the S&P 500 average of 24.92. Conducting a second comparison, its price-to-book ratio of 1.32 indicates a significant discount versus the S&P 500 average of 2.99 and a discount versus the industry average of 1.78. The price-to-sales ratio is similar to the S&P 500 average, but it is significantly 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 15.54 Peers 23.42   CB 12.04 Peers 11.76

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

CB is trading at a significant discount to its peers.

 

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

CB is trading at a valuation on par to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
CB 12.55 Peers 15.05   CB 0.95 Peers 2.72

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 1.32 Peers 1.78   CB 2.20 Peers -8.21

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 significant discount to its peers.

 

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

CB is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
CB 2.02 Peers 1.43   CB 65.66 Peers 15.05

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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