Chubb (FRA:AEX) Cyclically Adjusted FCF per Share: €20.30 (As of Mar. 2026)

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FRA:AEX Chubb Ltd FRA:AEX
78 GF Score
Price €304.40
GF Value €261.63
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Chubb Cyclically Adjusted FCF per Share?

Chubb FRA:AEX +0.96% 78 Cyclically Adjusted FCF per Share is €20.30 as of Mar. 2026. GuruFocus rates FRA:AEX with a GF Score™ of 78/100 and a GF Value™ of €261.63 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Chubb's adjusted free cash flow per share for the three months ended in Mar. 2026 was €8.652. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €20.30 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Chubb's average Cyclically Adjusted FCF Growth Rate was 12.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 12.30% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 12.90% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 7.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Chubb was 37.80% per year. The lowest was -3.60% per year. And the median was 10.10% per year.

As of today (2026-07-15), Chubb's current stock price is €304.40. Chubb's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €20.30. Chubb's Cyclically Adjusted Price-to-FCF of today is 15.00.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Chubb was 15.24. The lowest was 8.52. And the median was 12.84.


Chubb  (FRA:AEX) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Chubb's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=304.40/20.30
=15.00

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Chubb was 15.24. The lowest was 8.52. And the median was 12.84.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Chubb Cyclically Adjusted FCF per Share Related Terms


Chubb Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Chubb's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Chubb Cyclically Adjusted FCF per Share Chart

Chubb Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.76 9.67 10.67 9.99 19.19

Chubb Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.21 18.03 18.67 19.19 20.30

FRA:AEX vs PGR, TRV, ALL: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Property & Casualty subindustry, Chubb's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Chubb Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Chubb's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Chubb's Cyclically Adjusted Price-to-FCF falls into.


FRA:AEX
78GF Score
Chubb Ltd FRA:AEX
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Chubb Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Chubb's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=8.652/108.0600*108.0600
=8.652

Current CPI (Mar. 2026) = 108.0600.

Chubb Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 2.140 100.088 2.310
201609 3.183 99.604 3.453
201612 2.925 99.380 3.180
201703 2.004 100.040 2.165
201706 1.183 100.285 1.275
201709 3.186 100.254 3.434
201712 1.964 100.213 2.118
201803 0.952 100.836 1.020
201806 3.008 101.435 3.204
201809 3.126 101.246 3.336
201812 3.004 100.906 3.217
201903 2.535 101.571 2.697
201906 2.666 102.044 2.823
201909 4.370 101.396 4.657
201912 2.821 101.063 3.016
202003 3.409 101.048 3.646
202006 3.905 100.743 4.189
202009 6.638 100.585 7.131
202012 4.616 100.241 4.976
202103 3.900 100.800 4.181
202106 5.785 101.352 6.168
202109 6.440 101.533 6.854
202112 5.319 101.776 5.647
202203 5.163 103.205 5.406
202206 6.053 104.783 6.242
202209 8.265 104.835 8.519
202212 5.988 104.666 6.182
202303 5.031 106.245 5.117
202306 5.586 106.576 5.664
202309 10.628 106.570 10.777
202312 7.113 106.461 7.220
202403 7.230 107.355 7.277
202406 9.274 107.991 9.280
202409 9.538 107.468 9.591
202412 10.704 107.128 10.797
202503 3.580 107.722 3.591
202506 7.623 108.075 7.622
202509 7.734 107.710 7.759
202512 8.745 107.200 8.815
202603 8.652 108.060 8.652

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €20.30 mean?
Chubb (FRA:AEX) has a Cyclically Adjusted FCF per Share of €20.30 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Chubb and its competitors.
Is Chubb's Cyclically Adjusted FCF per Share too high?
Chubb's current Cyclically Adjusted FCF per Share is €20.30. Overall, Chubb has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chubb's Cyclically Adjusted FCF per Share compare to PGR and TRV?
Chubb's Cyclically Adjusted FCF per Share of €20.30 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Chubb and its competitors. Chubb's current Cyclically Adjusted FCF per Share is €20.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chubb stock overvalued right now?
Based on GuruFocus' analysis, Chubb (FRA:AEX) is currently considered Modestly Overvalued. The stock's GF Value™ is €261.63, compared to a current price of €304.40 — trading 16.3% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €20.30. Chubb's overall GF Score™ is 78/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Chubb (FRA:AEX), the current Cyclically Adjusted FCF per Share is €20.30 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Chubb (FRA:AEX) Overvalued in 2026?

Based on GuruFocus' analysis, Chubb stock appears to be overvalued. The current stock price of €304.40 is trading 16.3% above its estimated GF Value™ of €261.63. GuruFocus considers Chubb to be Modestly Overvalued.

Key valuation signals for FRA:AEX:

  • Cyclically Adjusted FCF per Share: €20.30
  • GF Value™: €261.63 vs. price of €304.40 (16.3% above fair value)
  • GF Score™: 78/100 with 6 warning signs

No single metric tells the full story. See the FRA:AEX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Chubb Business Description

Address Baerengasse 32, Zurich, CHE, CH-8001
ACE acquired Chubb in 2016 and assumed the Chubb name. The combination made the new Chubb one of the largest domestic property and casualty insurers, with operations in over 50 countries spanning commercial and personal P&C insurance, reinsurance, and life insurance.
78GF Score

Get the complete analysis for FRA:AEX

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€304.40
Price
€261.63
GF Value