NASDAQ · STOCK
Chubb Limited
$350.88
52W $265.30 – $365.91
62/100
$135.29B
12.3
0.41
Is CB Bullish or Bearish?
Bullish.
Innellis AI committee rates Chubb Limited (CB) Buy with a composite score of 62/100
, based on 7 analysts with 71% agreement.
Last updated August 01, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +13.12 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -6.88 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is p/e of 12.1 is inexpensive for the broad market. The main limiting factor is current ratio of 0.15 is tight -- limited short-term liquidity cushion. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 12.1 is inexpensive for the broad market — Value
- ROE of 15.2% shows genuine earnings power backing the valuation — Value
- 4 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Current ratio of 0.15 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 01, 2026
Overall Committee Score
62/100
Agreement
71%
Analysts
7
Conviction
Moderate
Sector Rank
Top 46%
of 141 Financial Services peers
Value Analyst
bullish
70
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.1 is inexpensive for the broad market
Growth Analyst
bullish
68
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ 4 consecutive earnings beats -- consistent execution
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.24) -- balance sheet can absorb a shock
− Current ratio of 0.15 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
61
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2535.03)
Investment Thesis Evolution
Committee score moved marginally from 60.4 to 61.9.
- Conviction changed from contested to moderate.
- Committee agreement increased notably from 57% to 71%.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance neutral->bullish; score 58->70 (+12).
- Portfolio Manager: +2 bearish signal(s).
Comparing 2026-07-31 to 2026-08-01 (1 day apart).
Technical Analysis
RSI (14)
46.9
Neutral
MACD Histogram
-0.682
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.44
Inside Bands
Price vs Moving Averages
EMA 9
$354.29
Below
EMA 21
$350.64
Above
EMA 50
$342.18
Above
EMA 200
$321.24
Above
Fundamental Analysis
Valuation
98
Growth
83
Profitability
62
Financial Health
51
Cash Flow
70
Valuation
P/E Ratio
12.3×
P/B Ratio
1.83×
PEG Ratio
0.51
Dividend Yield
1.12%
52W High
$365.91
52W Low
$265.30
Quality & Growth
ROE
1397.8%
ROA
378.6%
Gross Margin
3959.6%
Operating Margin
1818.9%
Revenue Growth YoY
—
Debt / Equity
0.24
AI Fundamental Assessment
P/E ratio of 12.3 (inexpensive relative to a 15-40x range); Price-to-book of 1.8x; PEG ratio of 0.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 14.0%; Return on assets of 3.8%; Net margin of 18.1%; Gross margin of 39.6%; Current ratio of 0.83 (tight short-term liquidity); Debt-to-equity of 0.24; Free cash flow per share is positive (40.91); Most recent quarter beat estimates by 4.4%; 4 consecutive earnings beats; EPS growth accelerating (-9.3% -> +6.5% QoQ); Average YoY EPS growth of 18.2%; Analyst estimates flat over recent quarters
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