Chubb (XTER:AEX) Moat Score: 8/10 (As of Jun. 25, 2026)


XTER:AEX Chubb Ltd XTER:AEX
63 GF Score
Price €294.90
GF Value €265.61
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Chubb Moat Score?

Chubb XTER:AEX +1.20% 63 Moat Score is 8 as of Jun. 25, 2026. GuruFocus rates XTER:AEX with a GF Score™ of 63/100 and a GF Value™ of €265.61 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 596 Insurance companies, Chubb ranks better than 99.66% on this metric.

Chubb has the Moat Score of 8, which implies that the company might have Wide Moat - Clear and robust wide moat.

Chubb has Wide Moat: Chubb Ltd possesses a clear and robust wide moat due to its market leadership in the insurance industry, strong brand, and significant regulatory barriers. It benefits from economies of scale, a superior distribution network, and strong pricing power, ensuring durable competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Chubb might have Wide Moat - Clear and robust wide moat.

Chubb  (XTER:AEX) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Chubb Moat Score Related Terms

XTER:AEX vs : Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Chubb's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Chubb's Moat Score distribution charts can be found below:

* The bar in red indicates where Chubb's Moat Score falls into.


XTER:AEX
63GF Score
Chubb Ltd XTER:AEX
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 8 mean?
Chubb (XTER:AEX) has a Moat Score of 8 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Chubb ranks #2 out of 596 companies in the Insurance industry, placing it in the top 0.3%.
Is Chubb's Moat Score too high?
Chubb's current Moat Score is 8. Based on the distribution chart, Chubb ranks #2 out of 596 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Chubb has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chubb's Moat Score compare to ?
According to the Insurance industry distribution chart, Chubb ranks #2 out of 596 companies for Moat Score. This places Chubb in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Chubb's current Moat Score is 8. 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 (XTER:AEX) is currently considered Modestly Overvalued. The stock's GF Value™ is €265.61, compared to a current price of €294.90 — trading 11% above its estimated fair value. The current Moat Score is 8. Chubb's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Chubb (XTER:AEX), the current Moat Score is 8 as of Jun. 25, 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 (XTER:AEX) Overvalued in 2026?

Based on GuruFocus' analysis, Chubb stock appears to be overvalued. The current stock price of €294.90 is trading 11% above its estimated GF Value™ of €265.61. GuruFocus considers Chubb to be Modestly Overvalued.

Key valuation signals for XTER:AEX:

  • Moat Score: 8
  • GF Value™: €265.61 vs. price of €294.90 (11% above fair value)
  • GF Score™: 63/100 with 6 warning signs

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

Chubb Business Description

Comparable Companies
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.
63GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€294.90
Price
€265.61
GF Value