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Chubb Limited

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Chubb Limited • NYSE
$296.18 ▼ -0.58% (-1.72)
Market Cap $118.51 B
52w High $306.91
52w Low $252.16
Dividend Yield 3.76%
P/E 12.38
Volume 607.33K
Outstanding Shares 400.13M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $16.139B ▲ $1.138B ▲ $2.801B ▼ 17.355% ▼ $7.05 ▼ $4.189B ▲
Q2-2025 $14.898B ▲ $772M ▼ $2.968B ▲ 19.922% ▲ $7.44 ▲ $3.971B ▲
Q1-2025 $13.48B ▼ $1.288B ▲ $1.331B ▼ 9.874% ▼ $3.32 ▼ $1.92B ▼
Q4-2024 $14.18B ▼ $1.117B ▲ $2.575B ▲ 18.159% ▲ $6.39 ▲ $3.39B ▲
Q3-2024 $15.102B $1.072B $2.324B 15.389% $5.77 $3.267B

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $41.988B ▲ $270.21B ▲ $192.399B ▲ $71.855B ▲
Q2-2025 $40.369B ▲ $261.563B ▲ $187.116B ▲ $69.395B ▲
Q1-2025 $38.858B ▼ $251.752B ▲ $180.997B ▲ $65.726B ▲
Q4-2024 $39.185B ▼ $246.548B ▼ $178.154B ▼ $64.021B ▼
Q3-2024 $39.91B $250.557B $180.437B $65.757B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $3.107B ▲ $3.639B ▲ $-5.303B ▼ $1.698B ▲ $83M ▼ $3.639B ▲
Q2-2025 $2.999B ▲ $3.551B ▲ $-2.827B ▼ $-762M ▲ $121M ▲ $3.551B ▲
Q1-2025 $1.343B ▼ $1.566B ▼ $-798M ▲ $-1.125B ▲ $-299M ▼ $1.566B ▼
Q4-2024 $2.64B ▲ $4.565B ▲ $-2.474B ▲ $-2.119B ▼ $-129M ▼ $4.565B ▲
Q3-2024 $2.49B $4.318B $-5.383B $1.122B $110M $4.318B

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Segment Life
Segment Life
 $0 ▲$6.84Bn ▲$7.01Bn ▲$7.20Bn ▲

Five-Year Company Overview

Income Statement

Income Statement Chubb’s income statement over the past several years shows a clear pattern of growth and improving profitability. Revenue has climbed steadily, and profits have risen even faster, suggesting stronger underwriting discipline and better pricing power. Margins appear to have widened, with operating and net income growing more quickly than the top line. The one noticeable dip a few years ago has been more than offset by more recent strength, indicating that the business has handled market cycles and claims volatility reasonably well. Overall, earnings quality looks solid, with performance driven by core insurance operations rather than one-off items.

Balance Sheet

Balance Sheet The balance sheet reflects a large, well-capitalized insurer. Total assets have expanded steadily, while shareholder equity has grown meaningfully, pointing to retained earnings and a stronger capital base over time. Debt is present but appears manageable relative to the size of the company and its equity cushion, consistent with an investment‑grade insurer. Cash on hand is modest as a share of total assets, which is typical for an insurance company that invests premiums into diversified portfolios. Overall, financial strength and solvency look like key supports for Chubb’s business model and reputation.

Cash Flow

Cash Flow Cash generation is a notable strength. Operating cash flow has increased over the period, broadly in line with earnings growth, which suggests profits are being backed by real cash, not just accounting entries. Free cash flow closely mirrors operating cash flow due to very low capital spending needs in this business, leaving significant flexibility for claims payments, investments, dividends, or buybacks. This pattern of strong and rising free cash flow points to a resilient underlying franchise, though it remains sensitive to large loss events and investment market conditions.

Competitive Edge

Competitive Edge Chubb appears to have a wide and durable competitive position. It benefits from a strong global brand, a long record of disciplined underwriting, and a broad product set that spans commercial, personal, specialty, and reinsurance lines. Its scale and presence in many countries give it distribution reach and cost advantages that smaller rivals may find hard to match. High financial strength ratings enhance trust with large corporate clients and brokers. Diversification across geographies and products helps smooth results when certain regions or lines face pressure, though the firm is still exposed to global catastrophe and pricing cycles in property and casualty insurance.

Innovation and R&D

Innovation and R&D Innovation at Chubb is focused less on traditional “R&D” and more on technology, data, and specialized underwriting. The Chubb Studio platform and its embedded insurance model allow Chubb to plug its products into partners’ apps and websites, expanding distribution in a modern, digital way. The company is using artificial intelligence and data analytics to refine pricing and risk selection, which can support better loss ratios if executed well. Its climate-focused business unit and tools for assessing climate resilience show forward-thinking around emerging risks. The firm is also building specialized practices, such as in HealthTech and cyber, to tailor solutions to evolving client needs. Execution risk remains, but the innovation agenda is active and strategically aligned with long-term trends.

Summary

Overall, Chubb looks like a large, financially solid insurer with strengthening earnings, a robust balance sheet, and strong cash generation. Its competitive position rests on disciplined underwriting, global scale, product breadth, and high financial strength, which together form a meaningful moat in property and casualty insurance. The company is investing in digital platforms, embedded insurance, advanced analytics, and climate-related solutions, which may support future growth and help navigate shifting risk landscapes. Key ongoing risks include exposure to natural catastrophes and climate change, competitive pressure in both traditional and digital channels, regulatory changes across many jurisdictions, and the challenge of delivering on its ambitious digital and emerging-market strategy. Overall performance will depend on how well Chubb balances growth, risk selection, and technological change over time.

NEWS

November 20, 2025 · 11:30 AM UTC

Chubb Limited Board Declares Quarterly Dividend

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November 18, 2025 · 8:30 AM UTC

Chubb Appoints Bill Hazelton Chief Operating Officer, North America Field Operations

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November 10, 2025 · 5:02 PM UTC

Chubb Appoints Susan Spivak to Lead Investor Relations

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November 4, 2025 · 10:30 AM UTC

Chubb Announces John Lupica to Retire

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October 21, 2025 · 4:10 PM UTC

Chubb Reports Third Quarter Net Income Per Share of $6.99, Up 22.6%, and Record Core Operating Income Per Share of $7.49, Up 30.9%; Consolidated Net Premiums Written of $14.9 Billion, Up 7.5%; Record P&C Combined Ratio of 81.8%

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