Question 1

What is Chubb's P/FCF ratio?

Accepted Answer

Chubb (CB) P/FCF ratio is 8.8× as of July 20, 2026. The ratio is calculated by dividing market capitalisation by trailing twelve-month free cash flow, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/FCF ratio calculated?

Accepted Answer

P/FCF = Market Capitalisation ÷ Trailing Twelve-Month (TTM) Free Cash Flow, where Free Cash Flow = Operating Cash Flow − Capital Expenditures. All inputs are sourced from audited GAAP/IFRS filings and translated to USD using period-end exchange rates so the multiple is comparable across companies and currencies.

Question 3

What is the P/FCF ratio?

Accepted Answer

The price-to-free-cash-flow (P/FCF) ratio compares a company's market capitalisation to its trailing twelve-month (TTM) free cash flow. It is calculated as market cap ÷ TTM free cash flow, where free cash flow = operating cash flow − capital expenditures. Because FCF cannot be inflated by non-cash accounting items, P/FCF is often considered a cleaner measure of "earnings-power valuation" than P/E — especially for capital-intensive businesses where depreciation diverges from real cash outflows.

Question 4

What is a good P/FCF ratio for Chubb?

Accepted Answer

Mature companies that consistently convert profit into cash often trade at 15–25× P/FCF; capital-intensive businesses with lumpy capex typically trade lower. Compare against sector peers and against the company's own multi-year average — single-year P/FCF can be distorted by working-capital swings. For Chubb specifically, the relevant sector benchmark is the current sector median of 12.0×.

Question 5

Is Chubb's P/FCF ratio high or low?

Accepted Answer

Chubb's P/FCF ratio of 8.8× is above its own 5-year average of 7.6× and below the sector median of 12.0×. That places the current reading at the 90th percentile of its 10-year history. A higher multiple usually reflects stronger expected growth, lower perceived risk, or higher returns on capital; a lower multiple reflects the opposite.

Question 6

What is Chubb's historical P/FCF ratio range?

Accepted Answer

In the available daily series, Chubb (CB) P/FCF ratio has ranged from a low of 2.0× in 2004 to a high of 15.8× in 2018. The 5-year average is 7.6× and the 5-year median is 7.5×.

Question 7

What was Chubb's P/FCF ratio in 2025?

Accepted Answer

Chubb (CB) P/FCF ratio at the end of 2025 was 9.2×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month free cash flow figure available at that date.

Question 8

Why does Chubb's P/FCF ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (free cash flow). Share-price changes — driven by interest rates, earnings expectations, risk appetite, and broader market sentiment — typically dominate short-term moves, while changes in the underlying fundamental drive the longer-term trend. As a result, the ratio can rise during stock-price rallies even if the business itself has not become more valuable, and fall during sell-offs even when fundamentals are improving.


2025	$124B	$13.5B	9.2×	+2.2×	Dec 31, 2025
2024	$112B	$16.2B	6.9×	-0.3×	Dec 31, 2024
2023	$92B	$12.6B	7.3×	-0.8×	Dec 31, 2023
2022	$91.5B	$11.3B	8.1×	+0.7×	Dec 31, 2022
2021	$82.5B	$11.1B	7.4×	+0.3×	Dec 31, 2021
2020	$69.4B	$9.79B	7.1×	-4.0×	Dec 31, 2020
2019	$70.4B	$6.34B	11.1×	+0.2×	Dec 31, 2019
2018	$59.5B	$5.48B	10.9×	-4.2×	Dec 31, 2018
2017	$68B	$4.5B	15.1×	+3.4×	Dec 31, 2017
2016	$61.9B	$5.29B	11.7×	-1.8×	Dec 31, 2016
2015	$52.2B	$3.86B	13.5×	+5.1×	Dec 31, 2015
2014	$37.7B	$4.5B	8.4×	-0.3×	Dec 31, 2014
2013	$35.1B	$4.02B	8.7×	+1.9×	Dec 31, 2013
2012	$27.2B	$4B	6.8×	-0.0×	Dec 31, 2012
2011	$23.7B	$3.47B	6.8×	+0.9×	Dec 31, 2011
2010	$21B	$3.55B	5.9×	+0.8×	Dec 31, 2010
2009	$17B	$3.34B	5.1×	+0.8×	Dec 31, 2009
2008	$17.7B	$4.1B	4.3×	-0.1×	Dec 31, 2008
2007	$20.8B	$4.7B	4.4×	-0.4×	Dec 31, 2007
2006	$19.8B	$4.11B	4.8×	+0.8×	Dec 31, 2006
2005	$17.5B	$4.31B	4.1×	+1.6×	Dec 31, 2005
2004	$12.4B	$4.95B	2.5×	-0.2×	Dec 31, 2004
2003	$11.4B	$4.21B	2.7×	-0.5×	Dec 31, 2003
2002	$7.89B	$2.42B	3.3×	—	Dec 31, 2002


UMB Financial (UMBF)	8.8×
Federal Agricultural Mortgage (AGM)	8.6×
T. Rowe Price (TROW)	8.6×
First Financial (THFF)	8.3×
Old Republic International (ORI)	8.0×
1st Source (SRCE)	8.0×
Auburn National Bancorporation (AUBN)	7.7×
Eagle Financial Services (EFSI)	7.5×
PayPal (PYPL)	7.5×
Assurant (AIZ)	7.5×
Cincinnati Financial (CINF)	7.1×
Alerus Financial (ALRS)	7.0×
American Financial Group (AFG)	6.8×
Hartford Insurance Group (HIG)	6.5×
Travelers Companies (TRV)	6.3×
Invesco (IVZ)	6.1×
Arch Capital Group (ACGL)	5.9×
Principal Financial Group (PFG)	5.5×
Allstate (ALL)	4.7×
Everest Group (EG)	4.6×
Capital One Financial (COF)	3.9×
Prudential Financial (PRU)	3.5×
Mercury General (MCY)	3.4×
MetLife (MET)	2.8×
StoneX Group (SNEX)	0.8×

P/FCF Ratio for Chubb (CB) 2002-2026

P/FCF Ratio daily chart for Chubb (CB)

Historical P/FCF Ratio for Chubb (CB) from 2002 to 2025

About P/FCF Ratio at Chubb (CB)

Chubb P/FCF Ratio by Year

Chubb P/FCF Ratio 2025: 9.2×

Chubb P/FCF Ratio 2024: 6.9×

Chubb P/FCF Ratio 2023: 7.3×

Chubb P/FCF Ratio 2022: 8.1×

Chubb P/FCF Ratio 2021: 7.4×

Sector peers by P/FCF Ratio — chart

Sector peers by P/FCF Ratio — table

Frequently asked questions

Chubb (CB) Key Financials