Keuangan Chubb Limited (CB)
NYSE · Financial Services · Insurance - Property & Casualty · Karyawan: 45.000 · CEO: Evan G. Greenberg
- Harga
- $364,12 +0,51%
- Kapitalisasi pasar
- $139 M
- Nilai perusahaan
- $155 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-28
- Laporan berikutnya
- 2027-02-02
Pendapatan (TTM)$62,1 M+5,8% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)17,1%-4,0 poin vs tahun laluLaba operasional: $10,6 M
Laba bersih (TTM)$11,1 M+15,2% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$18,5 M+38,9% vs tahun laluCapex: $0
EPS dilusian (TTM)$28,71+19,8% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$126 M+416,7% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $139 M EV $155 M
- Pendapatan
- $62,1 M 12 bulan terakhir
- Pertumbuhan pendapatan
- -4% Konsensus FY2026
- Margin laba
- 18,0% Laba bersih / pendapatan, TTM
- P/E
- 12,6× Forward 12,5× (FY2026)
- P/S
- 2,2× Harga / penjualan, TTM
- EV / EBITDA
- 13,3× TTM
- Arus kas bebas
- $18,5 M 12 bulan terakhir
- Laba bersih
- $11,1 M 12 bulan terakhir
- Estimasi pendapatan
- $57,3 M Konsensus FY2026
- Laba
- 2027-02-02
- Dividen
- $3,98 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan melambat: -0,0% yoyPendapatan Q3 '26: $16,2 M, rata-rata empat kuartal sebelumnya: 7,9%.
- Margin operasional 17,1% (TTM), dibanding tahun lalu: -4,0 poinLaba operasional tumbuh -14,1%, pendapatan tumbuh 5,8%.
- Capex: 0,0% dari pendapatan (tahun lalu 0,0%)$0 diinvestasikan dalam 4 kuartal terakhir (– dibanding tahun sebelumnya). Arus kas bebas: $18,5 M = 166,0% dari laba bersih.
- $5,59 M dikembalikan ke pemegang saham = 30,2% dari arus kas bebasBuyback: $4,45 M (tahun lalu $2,97 M), dividen: $1,14 M, kompensasi saham: $252 jt (TTM).
- Jumlah saham dilusian turun dalam setahun: 3,4%Saham dilusian pada Q3 '26: 389 jt, setahun sebelumnya: 403 jt.
- Kas neto: $126 MKas + investasi jangka pendek: $145 M, utang termasuk sewa: $19,1 M; tahun lalu kas neto: $24,3 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $16,2 M | $16,2 M | 0,0% |
| Margin kotor | 44,4% | 32,5% | +11,9 poin |
| Laba operasional | $3,24 M | $3,89 M | -16,7% |
| Margin operasional | 20,0% | 24,0% | -4,0 poin |
| Laba bersih | $2,74 M | $2,8 M | -2,3% |
| EPS dilusian | $7,30 | $6,99 | +4,4% |
| Arus kas operasional | $6,07 M | $3,64 M | +66,8% |
| Capex | $0 | $0 | – |
| Arus kas bebas | $6,07 M | $3,64 M | +66,8% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $252 jt | $0 | – |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Segment Life | $8,04 M | +11,7% | 100,0% | $23,2 M | +10,0% |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $18,5 M
- Capex
- $0
- Buyback
- -$4,45 M
- Dividen
- -$1,14 M
- Akuisisi
- -$25 jt
- Utang neto diterbitkan
- $896 jt
- Kompensasi berbasis saham
- $252 jt
- Arus kas bebas
- $18,5 M
- Dikembalikan ke pemegang saham / FCF
- 30,2%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 12,6× | 12,4× | 10,0× – 17,6× |
| EV / EBITDA | 13,3× | 10,7× | 9,4× – 14,4× |
| EV / Penjualan | 2,5× | 2,3× | 2,1× – 2,5× |
| Harga / FCF | 7,5× | 7,7× | 7,0× – 8,5× |
| Harga / Nilai buku | 1,9× | 1,7× | 1,4× – 1,8× |
| Imbal hasil FCF | 13,3% | 13,0% | 11,7% – 14,3% |
| Imbal hasil modal yang diinvestasikan | 5,5% | 518,3% | 8,0% – 1.104,4% |
| Imbal hasil ekuitas | 15,1% | 13,7% | 10,4% – 15,2% |
Analis
Target konsensus $355,91 (-2,3%)
rentang $301,00 – $387,00 · peringkat Buy
Beli kuat1
Beli22
Tahan19
Jual2
Jual kuat0
Prospek
Konsensus analis untuk tahun fiskal mendatang dan implikasinya pada harga saat ini.
Estimasi konsensus
| Tahun fiskal | Pendapatan | Pertumbuhan | EPS | Pertumbuhan | P/E pada harga saat ini | Analis (EPS) |
|---|---|---|---|---|---|---|
| FY2026 | $57,3 M | -4,2% | $29,21 | +13,5% | 12,5× | 16 |
| FY2027 | $59,8 M | +4,3% | $29,59 | +1,3% | 12,3× | 17 |
| FY2028 | $62,7 M | +4,9% | $32,15 | +8,7% | 11,3× | 9 |
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 349 angka yang ditandai Chubb Limited dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| (Increase) Decrease in Unearned Premiums, Net | -$219 jt | -$507 jt | +56,8% | -$1,83 M | -$1,62 M | -12,7% |
| Accounts Payable and Accrued Liabilities | $10,8 M | $9,58 M | +12,9% | $10,1 M | $10,2 M | -0,8% |
| Accretion (Amortization) of Discounts and Premiums, Investments | $107 jt | $107 jt | 0,0% | $409 jt | $367 jt | +11,4% |
| Accrued Investment Income Receivable | $1,56 M | $1,43 M | +9,3% | $1,31 M | $1,16 M | +12,5% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$9,48 M | -$4,89 M | -93,8% | -$4,98 M | -$8,64 M | +42,4% |
| Additional Paid in Capital, Common Stock | $12,4 M | $13,5 M | -8,1% | $13,3 M | $14,4 M | -7,9% |
| Additions to Contract Holders Funds | $428 jt | $232 jt | +84,5% | $853 jt | $1,02 M | -16,7% |
| Alternative Investment | $17,5 M | $16,7 M | +4,7% | $17,2 M | $14,8 M | +16,7% |
| Amortization of Debt Issuance Costs and Discounts | – | – | – | $8 jt | $16 jt | -50,0% |
| Amortization of Intangible Assets | $74 jt | $75 jt | -1,3% | $301 jt | $323 jt | -6,8% |
| Amortization of Value of Business Acquired (VOBA) | – | – | – | $224 jt | $240 jt | -6,7% |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 1,05 jt | 1,63 jt | -35,8% | 1,46 jt | 1,15 jt | +27,2% |
| Assets | $284 M | $270 M | +4,9% | $272 M | $247 M | +10,5% |
| Assumed Premiums Earned | – | – | – | $4,94 M | $4,97 M | -0,7% |
| Assumed Premiums Written | – | – | – | $5,15 M | $5,14 M | +0,2% |
| Benefits, Losses and Expenses | $12,8 M | $12,3 M | +4,4% | $46,4 M | $44,3 M | +4,7% |
| Business Combination, Integration Related Costs | $11 jt | $1 jt | +1.000,0% | $79 jt | $39 jt | +102,6% |
| Cash Acquired from Acquisition | $0 | $0 | – | $32 jt | $0 | – |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $3,01 M | $2,45 M | +22,7% | $2,47 M | $2,55 M | -3,1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $257 jt | $83 jt | +209,6% | -$79 jt | -$72 jt | -9,7% |
| Ceded Premiums Earned | – | – | – | $10,8 M | $10,3 M | +5,4% |
| Ceded Premiums Written | – | – | – | $11,1 M | $10,5 M | +5,4% |
| Common Stock, Dividends, Per Share, Declared | $1,02 | $0,97 | +5,2% | $3,82 | $3,59 | +6,4% |
| Common Stock, Dividends, Per Share, Declared | $0,83 | $0,78 | +6,4% | $3,18 | $3,15 | +1,0% |
| Common Stock, Par or Stated Value Per Share | $0,50 | $0,50 | 0,0% | $0,50 | $0,50 | 0,0% |
| Common Stock, Shares Authorized | 400 jt | – | – | 412 jt | 420 jt | -1,8% |
| Common Stock, Shares, Issued | 400 jt | 412 jt | -2,9% | 412 jt | 420 jt | -1,8% |
| Common Stock, Shares, Outstanding | 383 jt | 394 jt | -3,0% | 391 jt | 401 jt | -2,4% |
| Common Stock, Value, Issued | $224 jt | $231 jt | -3,0% | $231 jt | $235 jt | -1,7% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest | -$65 jt | $386 jt | -116,8% | $472 jt | $221 jt | +113,6% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | -$716 jt | $3,97 M | -118,0% | $14 M | $7,44 M | +88,0% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | -$781 jt | $4,35 M | -117,9% | $14,5 M | $7,66 M | +88,7% |
| Current Income Tax Expense (Benefit) | – | – | – | $2,09 M | $1,73 M | +20,6% |
| Current Year Claims and Claims Adjustment Expense | $8,06 M | $7,38 M | +9,2% | $27,8 M | $27 M | +3,0% |
| Debt Securities, Available-for-sale | $126 M | $122 M | +3,3% | $123 M | $110 M | +11,2% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $401 jt | $2,04 M | -80,4% | $1,95 M | $1,12 M | +74,6% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $8,69 M | $3,93 M | +121,1% | $3,95 M | $5,77 M | -31,6% |
| Debt Securities, Available-for-sale, Allowance for Credit Loss | $53 jt | $50 jt | +6,0% | $52 jt | $70 jt | -25,7% |
| Debt Securities, Available-for-sale, Allowance for Credit Loss, Period Increase (Decrease) | $21 jt | $25 jt | -16,0% | $97 jt | $118 jt | -17,8% |
| Debt Securities, Available-for-sale, Allowance for Credit Loss, Recovery | -$16 jt | -$45 jt | +64,4% | -$113 jt | -$198 jt | +42,9% |
| Debt Securities, Available-for-sale, Allowance for Credit Loss, Writeoff | $0 | -$1 jt | +100,0% | -$2 jt | -$6 jt | +66,7% |
| Debt Securities, Available-for-sale, Amortized Cost | $134 M | $124 M | +8,4% | $125 M | $115 M | +8,4% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $26,5 M | $34,8 M | -23,9% | $32,4 M | $39,8 M | -18,6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $4,38 M | $3,05 M | +43,5% | $2,9 M | $4,23 M | -31,5% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $75,6 M | $9,37 M | +706,7% | $12,6 M | $28 M | -55,0% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $3,25 M | $166 jt | +1.858,4% | $237 jt | $518 jt | -54,2% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 | $21 M | $19,6 M | +6,8% | $20,1 M | $18,3 M | +10,0% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $32,8 M | $30,5 M | +7,5% | $31,5 M | $26,9 M | +17,1% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $35,2 M | $36,3 M | -2,9% | $35,6 M | $33,4 M | +6,5% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $3,99 M | $5,21 M | -23,4% | $4,75 M | $4,51 M | +5,4% |
| Debt Securities, Available-for-sale, Gain (Loss) | -$145 jt | $46 jt | -415,2% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Amortized Cost | $92 M2025-12-31 | $83,1 M | +10,6% | $92 M | $83,1 M | +10,6% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value | $93 M | $91,6 M | +1,5% | $92 M | $83,1 M | +10,6% |
| Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value | $32,8 M | $30,2 M | +8,8% | $30,7 M | $27,2 M | +12,8% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $102 M | $44,2 M | +131,1% | $44,9 M | $67,7 M | -33,6% |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $7,63 M | $3,21 M | +137,3% | $3,14 M | $4,75 M | -34,0% |
| Deferred Income Tax Assets, Net | $1,46 M | $1,41 M | +3,0% | $1,31 M | $1,6 M | -18,2% |
| Deferred Income Tax Expense (Benefit) | – | – | – | $337 jt | $86 jt | +291,9% |
| Deferred Income Tax Liabilities, Net | $1,85 M | $1,73 M | +6,9% | $1,74 M | $1,58 M | +9,9% |
| Deferred Policy Acquisition Cost | $11,4 M | $9,81 M | +16,4% | $10 M | $8,36 M | +19,7% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-09-30, 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30
Data per 2026-11-01