Buffett Brain · Research note
Score updated 22 Oct 2026 · analysis from 24 Sept 2026
CB· Financial Services
Chubb
Chubb Limited's 9.21% owner earnings yield is appealing, but its moat strength and pricing power are uncertain.
Buffett fit
Partial fit
Owner
37
Durability
97
Management
95
Price
87
Score updated 22 Oct 2026 · analysis from 24 Sept 2026
Buffett's checklist
Each number against Buffett's bar, and where it ranks among Financial Services stocks in our database.
How much profit the business makes on each dollar invested in it. Higher is better.
What is left of each sale after the cost of making the product. A high number often means pricing power.
The cash the business earns for its owners, compared with the price of the whole company.
How fast sales grew each year over the last five years.
How many years of today's profit you pay for at today's price. Lower means cheaper.
How much the company owes compared with what it owns outright. Lower is safer.
The four pillars
How the business measures up on each of Buffett's four tests.
Owning 100% of Chubb, we'd focus on maintaining its top-quintile of 12.3% within the Financial Services sector.
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Chubb's durability is supported by its consistent profitability over the past five years and a maximum EPS decline of just 3.27%.
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Chubb has demonstrated disciplined with a 1.76% reduction in share count and a 2.55% yield over five years.
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With an yield of 9.21% and a of 13.5, Chubb is near the 'no-brainer' entry point of 8-10% yield.
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- What would change the call
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For and against
The strongest points on each side, with the numbers behind them.
In its favor
8- 1 of 12.3% is top-quintile in the Financial Services sector.
- 2 yield of 9.21% provides a solid return.
- 3Interest coverage of 18.1 indicates strong financial health.
- 4Consistent profitability with a 5-year net-income-positive record.
Concerns
7- 1 of 35.2% is below the sector top-quintile cutoff of 81.5%.
- 2 of 18.6% is below the sector top-quintile cutoff of 58.8%.
- 3 YoY growth declined by 10.17%, indicating potential cash flow issues.
- 4 strength score of 37 suggests limited competitive advantages.
Price history
$355+88.7%· 5-year return
Weekly closing prices. Touch or hover the line for a date.
The business
How the business works
Chubb Limited operates in six segments, offering a range of insurance and reinsurance products globally. With a TTM revenue of $59.78B and net income of $10.31B, it demonstrates solid profitability. The company maintains a 17.25% net margin, indicating efficient operations in a competitive industry. Its unit economics are strong, with a /Net Income ratio of 1.24, showing high earnings quality.
How this analysis has moved
The call has held across 5 reviews.
Sep 27, 2026 → Oct 22, 2026
What other investors would say
The same company, judged by three other documented playbooks.
Keep researching
Similar companies in Financial Services
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