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With a market cap of $120.2 billion, Chubb Limited (CB) is the world’s largest publicly traded property and casualty insurance company, offering a wide range of insurance and reinsurance products globally. The company operates through six segments, including North America Commercial and Personal P&C, Agricultural, Overseas General, Global Reinsurance, and Life Insurance.
Companies valued at $10 billion or more are generally considered "large-cap" stocks, and Chubb fits this criterion perfectly. Known for its disciplined underwriting, financial strength, and global reach, Chubb delivers both commercial and personal coverage with prompt, fair claims service and extensive product offerings.
Shares of the Zurich, Switzerland-based company pulled back 2.3% from its 52-week high of $306.91. Chubb’s shares have risen 5.1% over the past three months, outperforming the broader S&P 500 Index’s ($SPX) marginal decline over the same time frame.
In the longer term, CB stock is up 8.6% on a YTD basis, exceeding SPX’s marginal rise. However, shares of the insurer have increased 10.8% over the past 52 weeks, underperforming the 12.5% return of the SPX over the same time frame.
Despite few fluctuations, the stock has been trading mostly above its 200-day moving average since last year.
Despite reporting better-than-expected Q1 2025 adjusted EPS of $3.68 on Apr. 22, shares of CB fell over 2% the next day due to significantly elevated catastrophe losses, particularly the $1.5 billion from California wildfires, which led to a sharp decline in underwriting income and a combined ratio of 95.7%. Investors were also concerned by the 37% drop in net income and soft performance in North America P&C, where the personal lines combined ratio spiked to 159.5% due to reinstatement premiums and wildfire-related claims.
Additionally, CB has lagged behind its rival, The Progressive Corporation (PGR), which has soared 36.7% over the past 52 weeks and 20.5% on a YTD basis.
Despite the stock’s underperformance over the past year, analysts remain moderately optimistic on CB. The stock has a consensus rating of “Moderate Buy” from the 21 analysts covering the stock, and as of writing, it is trading below the mean price target of $308.15.
