Aureus
AExcellent

Chubb Limited(CB)

A

Financial data as of Dec 31, 2025Declining · Financials

FCF Margin21.3%Free Cash Flow / Revenue
Cash Conversion124.3%Operating CF / Net Income
Free Cash Flow$12.8B
Revenue$60.1B
Net Cash-$15.0BNet debt position
Debt / FCF1.3xManageable debt load
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth-11.1%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 (21.3%, 1.3x)
→
-0.5Current ratio below 1.0 (0.00) (reduced — strong FCF covers short-term obligations)
→
-0.5Moderate decline but healthy margin (-11.1% YoY)
→
+1Very low debt-to-FCF ratio (1.3x)
→
+0.5Highly consistent quarterly FCF
→
FinalA

Analysis Summary

Strengths

  • Exceptional FCF margin (21.3%)
  • Excellent cash conversion (124%)
  • Very low debt relative to cash flow (1.3x)
  • Highly consistent quarterly FCF

Concerns

  • Net debt position ($15.0B) — 1.3x FCF, manageable
  • Current ratio below 1.0 — tight short-term liquidity
  • FCF trend declining (-11.1% YoY) but margin still healthy

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin21.3%
Net Margin17.2%
Operating CF Margin21.3%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$15.0BNet debt position
Debt / FCF1.3xManageable debt load
Current Ratio0.00Tight liquidity
Debt / Equity0.23Low leverage

Quarterly FCF Trend

-11.1% YoYDeclining (-11.1%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

View all →

Detailed Metrics

Company NameChubb Limited
SectorFinancials
Free Cash Flow$12.8B
Revenue$60.1B
Net Income$10.3B
Operating Cash Flow$12.8B
Capital Expenditure$0
FCF Margin21.3%
Cash Conversion Rate124.3%
Net Margin17.2%
Total Debt$17.2B
Total Cash$2.3B
Net Cash-$15.0B
Current Ratio0.00
Debt / Equity0.23
Debt / FCF1.3x
YoY FCF Growth-11.1%
Positive Quarters5 of 5
Trend DirectionDeclining
Report DateDec 31, 2025
GradeA
Data SourceYahoo Finance

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