Should I buy Chubb stock in 2025?

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At HelloSafe, our experts have been monitoring Chubb’s performance for over three years. Every month, hundreds of thousands of users across the United States rely on us to decode market trends and highlight the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In keeping with our strict ethical guidelines, we have never accepted and will never accept compensation from Chubb.

What is Chubb?

How much is Chubb stock?

The price of Chubb stock is rising this week. As of now, Chubb (CB) is trading at $286.08, marking a modest gain of +$0.94 (+0.3%) over the last 24 hours, though it's down -5.27% for the week.

The company maintains a strong market capitalization of $114.64 billion, with an average three-month trading volume of 1,808,166 shares.

Chubb’s price/earnings (P/E) ratio stands at 13.59, complemented by a 1.29% dividend yield and a stock beta of 0.48, reflecting relatively low volatility. These fundamentals highlight Chubb’s steady performance and promising position for investors looking for resilience in today’s evolving market.

Our full analysis on Chubb stock

After a comprehensive review of Chubb Limited’s Q1 2025 financials, stock performance over the past three years, and a detailed synthesis of multi-source analysis—including financial ratios, technical indicators, and sectoral benchmarks—our proprietary algorithms consistently highlight Chubb as a standout among global insurance equities. The interplay between resilient fundamental metrics and robust technical structures positions the stock at a potentially pivotal juncture. So, why might Chubb stock once again become a strategic entry point into the property & casualty insurance sector in 2025?

Recent Performance and Market Context

Chubb’s stock has demonstrated notable strength, closing at $286.08 as of May 2, 2025. Despite experiencing a modest 5.27% pullback over the past week, the shares show a powerful +16.8% gain on a trailing twelve-month basis and a measured but healthy +7.2% over six months. These metrics speak to sustained investor conviction, even amidst sector-wide volatility.

The Q1 2025 earnings release marked a seminal moment: while headline net income decreased—reflecting unusually high catastrophe losses from California wildfires—the results still exceeded Wall Street’s expectations, outperforming EPS estimates by 12.88% and revenue estimates by 3.43%. This resilience, even in the face of outsized insured events, signals Chubb’s robust business model and operational depth.

The property & casualty insurance sector stands to benefit as market participants recalibrate around higher-for-longer interest rates, which support insurer investment income, and as commercial and consumer activity continues to expand globally. Chubb’s exposure across 54 countries and territories, coupled with a consistently favorable underwriting environment—especially in specialty casualty and commercial lines—reinforces a backdrop conducive to both stability and growth.

Technical Analysis

A closer look at Chubb’s technical landscape reveals multiple bullish signposts:

• Relative Strength Index (RSI): At 50.58, Chubb’s RSI is essentially neutral, suggesting room for upside without immediate overbought risk.
• MACD (12,26,9): The MACD sits at -1.08, generating a subtle buy signal, primed for an inflection if upward momentum continues.
• Moving Averages:
• The 20-day MA is at $284.86 (buy signal), while the 100- and 200-day MAs ($278.70 and $279.06 respectively) reinforce a medium- to long-term bullish structure.
• The 50-day MA hovering around $286.20 acts as near-term resistance; a decisive close above this level would strengthen bullish conviction.
• Support Levels: Key support is observed at $282.03 and $279.11—zones that previously ignited renewed buying interest.
• Resistance Levels: $286.64, $288.33, and $291.25 mark short-term technical obstacles; a sustained breakout above these points could initiate a new leg higher.
• Bullish Consensus: With 15 bullish, 5 neutral, and only 2 bearish technical signals, the overall trend remains tilted decisively toward buyers.

Technically, Chubb appears to be consolidating above long-term support—often a precursor to renewed upward momentum.

Fundamental Analysis

Chubb’s core financial story remains highly attractive for investors seeking quality in the insurance sector:

• Revenue Growth: Q1 2025 showed net premium growth of 5.7% (constant currencies), underscoring Chubb’s ability to expand organically even in the face of adverse weather events. Life insurance, in particular, posted double-digit growth—a testament to diversified revenue streams.
• Profitability: While net income dipped to $1.33 billion due to catastrophe charges, core operating income was robust at $1.49 billion, and the company’s investment income surged by 12.2% year-over-year.
• Combined Ratio: Though elevated at 95.7% (vs. 86.0% prior year), this reflects temporary claims activity, not a deterioration in the company’s risk discipline.
• Valuation:
• P/E Ratio: At 13.59, Chubb trades at a clear discount to historical averages and below many sector peers, justifying renewed investor attention.
• PEG and P/S values further indicate an undervalued position given anticipated double-digit operating income and EPS growth.
• Structural Strengths:
• Chubb’s AA (S&P) and A++ (A.M. Best) financial ratings highlight superior balance sheet strength.
• As the leading US commercial lines insurer and world’s largest financial lines writer, Chubb continues to leverage scale, brand, and risk sophistication.
• The firm’s global diversification across 54 countries creates resilience against localized economic cycles and regulatory shifts.

Fundamentals not only support the current valuation but may also serve as a launchpad for multiple expansion as the cycle progresses.

Volume and Liquidity

• Sustained Trading Volume: With a 3-month average daily volume of 1.8M+ shares, Chubb enjoys significant liquidity, attracting both institutional and sophisticated retail flows. This allows for efficient trade execution and supports price integrity.
• Public Float and Market Cap: A public float of nearly 399 million shares alongside a $114.64 billion market cap underpins dynamic valuation and ensures the attention of global asset managers.
• Market Confidence: The ongoing robust activity in both primary and options markets reflects continued market confidence in Chubb’s earnings pipeline and capital allocation discipline.

Catalysts and Positive Outlook

Several high-conviction catalysts and growth vectors underpin Chubb’s bullish outlook for 2025 and beyond:

• Premium Growth Prospects: Management’s guidance for sustained growth across 80% of P&C and life businesses signifies expanding addressable markets and pricing power.
• Operational Excellence: Despite Q1 catastrophe events, underwriting results in core segments remained disciplined, and loss ratio normalization should enhance future profitability.
• Investment Income Tailwind: Persistently high interest rates are set to further amplify investment returns, a key earnings driver for insurance balance sheets.
• Innovation & Product Expansion:
• Ongoing development in cyber, commercial specialty, and global life insurance positions Chubb to capitalize on evolving risk demand and digital transformation.
• Technological innovation in claims automation and data analytics continues to optimize loss outcomes and client experience.
• ESG Leadership: Chubb’s commitment to responsible underwriting, including notable climate risk management initiatives and board-level ESG governance, aligns well with global investor mandates.
• Favorable Sector Dynamics:
• Firm pricing in casualty lines persists, while middle-market property & casualty remains constructive.
• The global expansion and strategic acquisitions in high-growth regions yield diversification and growth optionality.
• Consensus Upside: With analyst consensus target price at $371.90—about 30% above current levels—the market signals ample perceived upside.

Investment Strategies

The timing and structure of a Chubb position can suit a range of strategies:

• Short-Term:
• Technical support around $282 and strong buy signals suggest an attractive risk/reward for momentum traders, especially as the stock consolidates above key moving averages.
• Anticipation of positive macro news or new product announcements could trigger rapid sentiment shifts.
• Medium-Term:
• Investors may look for a confirmed breakout above the $291.25 resistance or continued premium growth announcements as catalysts for the next upward leg.
• Scheduled investor days, earnings releases, or updates on strategic initiatives represent meaningful triggers for reevaluation.
• Long-Term:
• The combination of market leadership, global reach, and a strong capital position provides a durable foundation for compounding shareholder value.
• For long-term accumulation, the current P/E discount and projected earnings trajectory offer a historically attractive entry point.
• The stock’s measured beta (0.48) implies lower volatility, paired with consistent dividend income and robust growth—an appealing mix for capital preservers and growth seekers alike.

Positioning on current technical support, ahead of anticipated sector tailwinds and positive company-specific catalysts, seems particularly opportune.

Is It the Right Time to Buy Chubb?

Chubb’s investment case is underpinned by a convergence of compelling factors: resilient premium and investment income growth, a fortress balance sheet, attractive valuation, and clear leadership in global insurance markets. The stock is currently consolidating just above historically significant support levels, with strong bullish signals on both a technical and fundamental basis. Upcoming catalysts—from continuing expansion into high-growth lines to further investment income surprises—suggest the potential for renewed upward momentum is substantial.

Given the alignment of these drivers, the fundamentals clearly justify renewed interest in Chubb Limited. The stock now appears to represent an excellent opportunity for investors seeking both stability and attractive upside in the financial sector, supported by robust defensive attributes and significant growth levers. As the macro backdrop stabilizes and sectoral tailwinds gain strength, Chubb may be entering a new bullish phase—one that could reward discerning investors ready to capitalize on its enduring strengths and strategic positioning.

In sum, Chubb stands out as a high-quality, globally diversified insurance leader whose favorable momentum and strong fundamentals provide a compelling case for consideration at this juncture.

How to buy Chubb stock in United States?

Buying Chubb (CB) stock online is both simple and secure when you use a regulated U.S. broker. Modern online platforms provide easy access to global markets like the NYSE, allowing you to invest from your computer or smartphone with robust safety standards in place. There are two main ways to buy Chubb shares: spot buying (owning the actual shares) or trading Contracts for Difference (CFDs), which let you speculate on price movements. Each method has unique benefits and costs. To help you choose, a broker comparison is available further down the page.

Spot Buying

A cash purchase means buying Chubb shares outright on the stock market and becoming a shareholder. You benefit directly from price appreciation and dividends, and you can hold the shares as long as you like. U.S. brokers typically charge a flat commission per trade, often ranging from $0 to $10, depending on the platform.

Example with $1,000

If Chubb is priced at $286.08 per share, with a typical $5 commission:
- Your $1,000 minus a $5 fee leaves $995 to invest.
- You can buy about 3 shares ($995 ÷ $286.08 = 3.48, rounded down to 3 shares).
- Total cost: $286.08 × 3 = $858.24 + $5 fee = $863.24. The leftover amount ($136.76) stays in your account.

Gain scenario:
If the share price rises by 10%, your 3 shares would be worth $314.69 each ($286.08 × 1.10).
Your holding: $314.69 × 3 = $944.07. Gross gain: $85.83 (plus cash left over), or about +10% on your invested amount.

Trading via CFD

CFD trading allows you to speculate on Chubb's share price without owning the underlying stock. You can take advantage of both rising and falling prices, and use leverage to increase your market exposure. Broker fees typically include a spread (the difference between buy/sell prices), and overnight financing costs if you hold positions longer than a day.

Example with $1,000 and 5x leverage

- You open a CFD position with $1,000 margin.
- At 5x leverage, you control an equivalent of $5,000 in Chubb stock.
- If CB’s price rises by 8%, your position’s value increases by 8% × 5 = 40%.

Gain scenario:
Your $1,000 margin could yield a $400 gain (excluding spreads and overnight fees) if the stock rises by 8%. Remember, leverage also magnifies potential losses.

Final Advice

Before investing, it’s vital to compare brokers’ fees, terms, and available features, as costs and services can vary widely. Whether you choose to buy Chubb shares directly or trade CFDs will depend on your financial goals, risk appetite, and investment horizon. For a detailed breakdown of broker options, see the comparison tool further down this page. Make informed decisions and invest confidently in line with your objectives.

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Our 7 tips for buying Chubb stock

The latest news about Chubb

Chubb's Q1 2025 earnings surpassed Wall Street expectations despite heavy California wildfire losses. On April 22, Chubb reported first-quarter results that exceeded consensus estimates, with earnings per share reaching $3.68 on a core operating income basis—12.88% above projections. This outcome was notable given that the company absorbed $1.64 billion in catastrophe losses, predominantly tied to the California wildfires. Despite a significant year-on-year drop in net income due to claims, this beat reinforced Chubb's operational resilience and ability to manage challenging risk events while maintaining profitability, a point well received by the U.S. financial community.

Premium and investment income both registered solid year-over-year growth, reflecting robust core business momentum. Consolidated net premiums written grew 5.7% in constant dollars, with property and casualty premiums up 5% and life insurance premiums rising by 10.3%. Meanwhile, pre-tax net investment income reached a record $1.56 billion, marking a 12.2% increase over the prior year. These gains are critical signals for U.S. analysts, as they demonstrate strong ongoing demand for Chubb’s insurance products as well as the benefits of prudent asset management, both of which support future earnings potential.

Technical analysis consensus remains strongly bullish, with the majority of key indicators signaling 'Buy.' Recent technical data highlights a consensus “Strong Buy" rating among technical analysts, supported by 15 bullish signals and only two bearish. Chubb’s stock price remains above key long-term moving averages, and both RSI and MACD indicators reinforce a positive outlook. Despite short-term volatility, these signals suggest continued confidence among market participants, especially in the context of U.S. equity markets where technical momentum often drives institutional flows.

Chubb's management projects ongoing double-digit operating income and EPS growth, emphasizing continued expansion in core U.S. and global lines. Company leadership remains “cautiously optimistic," with guidance for robust long-term performance even as the broader economic and market environment remains uncertain. Management underscored that approximately 80% of Chubb’s global property & casualty and life business lines should continue to grow, targeting both U.S. commercial and consumer segments. For U.S.-based analysts and investors, this forward-looking stance highlights the insurer's ability to capitalize on stable middle-market and small commercial conditions domestically.

Chubb maintains exceptional financial strength and remains a leader in the U.S. commercial insurance market. The company benefits from top-tier financial strength ratings (AA from S&P, A++ from A.M. Best), a diversified product portfolio, and an expansive U.S. presence—establishing it as the nation’s leading commercial lines insurer. These structural advantages, combined with a below-industry-average P/E ratio and reliable dividend policy, reinforce Chubb’s reputation as a safe, attractive choice for U.S. investors seeking stability and resilient long-term growth within the global insurance sector.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.