Aureus
AExcellent

Chubb Limited(CB)

A

Financial data as of Dec 31, 2024Declining · Financials

FCF Margin28.8%Free Cash Flow / Revenue
Cash Conversion174.5%Operating CF / Net Income
Free Cash Flow$16.2B
Revenue$56.1B
Net Cash-$13.0BNet debt position
Debt / FCF0.9xManageable debt load
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth-15.7%5 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseA
→
+0.5Healthy FCF margin with manageable debt (28.8%, 0.9x)
→
-1Current ratio below 1.0 (0.00)
→
-0.5Moderate decline but healthy margin (-15.7% YoY)
→
+1Very low debt-to-FCF ratio (0.9x)
→
+0.5Highly consistent quarterly FCF
→
FinalA

Analysis Summary

Strengths

  • Exceptional FCF margin (28.8%)
  • Excellent cash conversion (175%)
  • Very low debt relative to cash flow (0.9x)
  • Highly consistent quarterly FCF

Concerns

  • Net debt position ($13.0B)
  • Current ratio below 1.0 — tight short-term liquidity
  • FCF trend declining (-15.7% YoY) but margin still healthy

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin28.8%
Net Margin16.5%
Operating CF Margin28.8%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$13.0BNet debt position
Debt / FCF0.9xManageable debt load
Current Ratio0.00Tight liquidity
Debt / Equity0.24Low leverage

Quarterly FCF Trend

-15.7% YoYDeclining (-15.7%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

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Detailed Metrics

Company NameChubb Limited
SectorFinancials
Free Cash Flow$16.2B
Revenue$56.1B
Net Income$9.3B
Operating Cash Flow$16.2B
Capital Expenditure$0
FCF Margin28.8%
Cash Conversion Rate174.5%
Net Margin16.5%
Total Debt$15.3B
Total Cash$2.3B
Net Cash-$13.0B
Current Ratio0.00
Debt / Equity0.24
Debt / FCF0.9x
YoY FCF Growth-15.7%
Positive Quarters5 of 5
Trend DirectionDeclining
Report DateDec 31, 2024
GradeA
Data SourceYahoo Finance

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