CB : NYSE : Finance
$143.07 -0.65 | -0.45%
Today's Range: 142.72 - 145.285
Avg. Daily Volume: 1642400.0
02/22/18 - 4:01 PM ET

Financial Analysis


Sales and net income have dropped, underperforming the average competitor within its industry.

During the same period, stockholders' equity ("net worth") has increased by 6.00% from the same quarter last year.

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Income Statement Q4 FY17 Q4 FY16
Net Sales ($mil)7989.08332.0
EBITDA ($mil)0.00.0
EBIT ($mil)0.02064.0
Net Income ($mil)1533.01610.0


Balance Sheet Q4 FY17 Q4 FY16
Cash & Equiv. ($mil)4289.08335.0
Total Assets ($mil)167022.0159786.0
Total Debt ($mil)12877.014821.0
Equity ($mil)51172.048275.0


Profitability Q4 FY17 Q4 FY16
Gross Profit Margin0.024.77
EBITDA Margin0.00.0
Operating Margin0.024.77
Sales Turnover0.190.2
Return on Assets2.312.58
Return on Equity7.548.56
Debt Q4 FY17 Q4 FY16
Current Ratio0.00.0
Debt/Capital0.20.23
Interest Expense156.0154.0
Interest Coverage0.013.4


Share Data Q4 FY17 Q4 FY16
Shares outstanding (mil)463.83465.97
Div / share0.710.69
EPS3.273.41
Book value / share110.32103.6
Institutional Own % n/a n/a
Avg Daily Volume1696242.01583630.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 21.11 for the Insurance industry and a discount compared to the S&P 500 average of 25.51. Conducting a second comparison, its price-to-book ratio of 1.33 indicates a significant discount versus the S&P 500 average of 3.26 and a discount versus the industry average of 1.99. The price-to-sales ratio is below the S&P 500 average, but well above the industry average. 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 17.94 Peers 21.11   CB 15.15 Peers 18.03

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.

 

Discount. 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 discount 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 12.83 Peers 14.26   CB 0.80 Peers 0.62

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

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

 

Premium. 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 premium to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
CB 1.33 Peers 1.99   CB -6.82 Peers -119.66

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 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 2.12 Peers 1.56   CB 1.96 Peers 5.07

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.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

CB significantly trails its peers on the basis of sales growth

 

 

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