COMPILED BY GEMINI 3.1

Chubb Limited (CB) Intrinsic Value

An independent two-stage DCF analysis by a frontier AI model.

Fair Value Estimate

$59.40 per share
Current Price $329.98
Margin of Safety -82.0%
OVERVALUED

My Assumptions & Rationale

FCF Growth Rate (Y1-Y5)
4.0%

" data-astro-cid-xfutcwc7> Chubb grew revenue consistently (15.4% in 2023, 12.1% in 2024, 6.5% in 2025). But high premium growth eventually normalizes. A 4% cash flow growth rate acknowledges stable underwriting and modest ongoing yield improvements on their float without assuming unsustainable hard market conditions forever.

Discount Rate (WACC)
9.5%

" data-astro-cid-xfutcwc7> Chubb grew revenue consistently (15.4% in 2023, 12.1% in 2024, 6.5% in 2025). But high premium growth eventually normalizes. A 4% cash flow growth rate acknowledges stable underwriting and modest ongoing yield improvements on their float without assuming unsustainable hard market conditions forever.

Terminal Growth Rate
9.5%

" data-astro-cid-xfutcwc7> Chubb grew revenue consistently (15.4% in 2023, 12.1% in 2024, 6.5% in 2025). But high premium growth eventually normalizes. A 4% cash flow growth rate acknowledges stable underwriting and modest ongoing yield improvements on their float without assuming unsustainable hard market conditions forever.

Sensitivity Analysis

Intrinsic value per share under varying discount rate and terminal growth rate assumptions.

WACC ↓ / Terminal → 8.5%9.0%9.5%10.0%10.5%
8.5% $59.40 $59.40 $59.40 $59.40 $59.40
9.0% $59.40 $59.40 $59.40 $59.40 $59.40
9.5% $59.40 $59.40 $59.40 $59.40 $59.40
10.0% $59.40 $59.40 $59.40 $59.40 $59.40
10.5% $59.40 $59.40 $59.40 $59.40 $59.40

Undervalued vs current price Overvalued vs current price

Frequently Asked Questions

Why use DCF instead of Dividend Discount Model (DDM) for an insurer?

Westmount Research. "Chubb Limited (CB) Intrinsic Value: A DCF Analysis." westmountfundamentals.com, March 18, 2026.

Disclaimer: The numbers presented on this page are for educational and entertainment purposes only. They are the result of a deterministic mathematical model fed with assumptions generated by an Artificial Intelligence (Gemini 3.1). This does not constitute investment advice. Always conduct your own due diligence before investing in the stock market.