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Chubb Limited

Chubb Limited

NYSE•CB
CEO: Mr. Evan G. Greenberg
Sector: Financial Services
Industry: Insurance - Property & Casualty
Listing Date: 1993-03-25
Chubb Limited provides insurance and reinsurance products worldwide. The company's North America Commercial P&C Insurance segment offers commercial property, casualty, workers' compensation, package policies, risk management, financial lines, marine, construction, environmental, medical risk, cyber risk, surety, and casualty; and group accident and health insurance to large, middle market, and small commercial businesses. Its North America Personal P&C Insurance segment provides affluent and high net worth individuals and families with homeowners, automobile and collector cars, valuable articles, personal and excess liability, travel insurance, and recreational marine insurance and services. The company's North America Agricultural Insurance segment offers multiple peril crop and crop-hail insurance; and coverage for farm, ranch, and specialty property and casualty, and commercial agriculture products. Its Overseas General Insurance segment provides coverage for traditional commercial property and casualty; specialty categories, such as financial lines, marine, energy, aviation, political risk, and construction; and group accident and health, and traditional and specialty personal lines for corporations, middle markets, and small customers through retail brokers, agents, and other channels. The company's Global Reinsurance segment offers traditional and specialty reinsurance under the Chubb Tempest Re brand to property and casualty companies. Its Life Insurance segment provides protection and savings products comprising whole life, endowment plans, individual and life, group term life, health protection, personal accident, credit life, universal life, group employee benefits, and unit linked contracts. It markets its products primarily through insurance and reinsurance brokers. The company was formerly known as ACE Limited and changed its name to Chubb Limited in January 2016. Chubb Limited was incorporated in 1985 and is headquartered in Zurich, Switzerland.
Contact Information
Baerengasse 32, Zurich, 8001, Switzerland
41-43-456-76-00
www.chubb.com/us-en
Market Cap
$118.23B
P/E (TTM)
12.3
12.4
Dividend Yield
1.3%
52W High
$306.91
52W Low
$252.16
52W Range
79%
6.6
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Strong • 6.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$16.14B+6.87%
4-Quarter Trend

EPS

$7.05+22.18%
4-Quarter Trend

FCF

$3.64B-15.72%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Attributable Growth Net income attributable to Chubb reached $7.10B, reflecting a solid 6.0% growth for the nine months ended September 30, 2025.
Total Revenues Expansion Total revenues reached $44.34B, marking a 6.6% increase compared to the prior year nine-month period results.
Premiums Written Increase Net premiums written totaled $41.71B year-to-date, reflecting a 5.8% increase over the comparable prior period.
Investment Income Rises Net investment income grew 9.4% to $4.78B, primarily driven by higher average invested assets across the portfolio.

Risk Factors

AFS Fixed Maturity Losses Gross unrealized losses on available-for-sale fixed maturities totaled $3.21B at the end of the reporting period.
Catastrophe Exposure Modeling Modeled PML estimates show a 1-in-250 year worldwide event pre-tax loss potential of $9.05B.
Market Risk Volatility MRB liability is sensitive to equity shocks, potentially causing significant short-term accounting variations in net income.
Tax Benefit Absence Impact Effective tax rate increased due to the absence of a $55M incremental deferred tax benefit recorded in 2024.

Outlook

Vietnam Acquisition Progress Expect completion of the Liberty Insurance acquisition in Vietnam by early 2026, subject to regulatory approvals.
New Share Repurchase Plan New $5.0B share repurchase authorization effective July 1, 2025, signaling continued capital return strategy.
Debt Issuance Activity Issued $1.25B USD notes and CNY bonds in August 2025 to strategically manage the overall debt maturity profile.
Debt Repayment Completed Successfully repaid $800M of 3.15% senior notes upon maturity in March 2025, optimizing debt structure.

Peer Comparison

Revenue (TTM)

Bank of America CorporationBAC
$188.84B
-0.1%
The Progressive CorporationPGR
$85.19B
+18.4%
Chubb LimitedCB
$58.70B
+6.4%

Gross Margin (Latest Quarter)

Interactive Brokers Group, Inc.IBKR
89.5%
+0.4 pp
Banco Bilbao Vizcaya Argentaria, S.A.BBVA
84.2%
+102.2 pp
KKR & Co. Inc.KKR
82.7%
+64.0 pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BAC$384.18B13.29.9%20.8%
PGR$132.03B12.446.8%0.0%
BBVA$127.70B10.518.7%9.2%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
+4.4%
Moderate Growth
4Q Net Income CAGR
+2.8%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 27, 2025|
    Revenue: $16.14B+6.9%
    |
    EPS: $7.05+22.2%
    Beat
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Jul 28, 2025|
    Revenue: $14.90B+6.9%
    |
    EPS: $7.44+35.0%
    Beat
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: Apr 28, 2025|
    Revenue: $13.48B+4.5%
    |
    EPS: $3.32-37.1%
    Beat
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 27, 2025|
    Revenue: $56.15B+12.0%
    |
    EPS: $22.94+4.4%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Oct 30, 2024|
    Revenue: $15.10B+8.5%
    |
    EPS: $5.77+15.4%
    Beat
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Jul 26, 2024|
    Revenue: $13.93B+17.8%
    |
    EPS: $5.51+26.1%
    Beat
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: Apr 26, 2024|
    Revenue: $12.91B+15.8%
    |
    EPS: $5.28+15.5%
    Meet
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 23, 2024|
    Revenue: $50.13B+16.7%
    |
    EPS: $21.97+75.8%
    Beat