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CB logoChubb Limited(CB)Earnings, Financials & Key Ratios

CB•NYSE•Insurance & Managed Care
$322.57
$125.88B mkt cap·12.5× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryCommercial lines and surety insurers
AboutChubb 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, cyber risk, surety, and excess 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 and ranch property, 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 risk; 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 term life, group term life, medical and health, personal accident, credit life, universal life, and unit linked contracts. The company 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.Show more
  • Revenue$59.78B+6.5%
  • Combined Ratio78.18%-1.8%
  • Net Income$10.31B+11.2%
  • Return on Equity13.92%-0.9%
  • Medical Cost Ratio70.55%-0.9%
  • Operating Margin21.82%+7.0%
  • Net Margin17.25%+4.4%
  • ROA4.17%+7.3%
  • Equity / Assets32.19%+16.0%
  • Book Value per Share201.21+21.2%
  • Tangible BV/Share134.50+41.3%
  • Debt/Equity0.28+24.4%
Analysis→Technical→

CB Key Insights

Chubb Limited (CB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 78.2% combined ratio
  • ✓Strong 5Y profit CAGR of 23.9%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Share count reduced 3.7% through buybacks

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

CB Price & Volume

Chubb Limited (CB) stock price & volume — 10-year historical chart

Loading chart...

CB Growth Metrics

Chubb Limited (CB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years12.16%
5 Years10.64%
3 Years11.63%
TTM6.51%

Profit CAGR

10 Years13.79%
5 Years23.89%
3 Years25.26%
TTM11.2%

EPS CAGR

10 Years11.56%
5 Years26.99%
3 Years27.58%
TTM13.25%

Return on Capital

10 Years4.07%
5 Years4.55%
3 Years4.84%
Last Year5.28%

CB Recent Earnings

Chubb Limited (CB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 12/12 qtrs (100%)
Q2 2026Latest
Apr 21, 2026
EPS
$6.82
Est $6.60
+3.3%
Revenue
$14.0B
Est $13.6B
+3.3%
Q1 2026
Feb 3, 2026
EPS
$7.52
Est $6.77
+11.1%
Revenue
$13.1B
Est $12.9B
+1.5%
Q4 2025
Oct 21, 2025
EPS
$7.49
Est $6.17
+21.4%
Revenue
$16.1B
Est $13.0B
+24.3%
Q3 2025
Jul 22, 2025
EPS
$6.14
Est $5.98
+2.7%
Revenue
$14.9B
Est $14.2B
+5.2%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$6.82vs $6.60+3.3%
$14.0Bvs $13.6B+3.3%
Q1 2026Feb 3, 2026
$7.52vs $6.77+11.1%
$13.1Bvs $12.9B+1.5%
Q4 2025Oct 21, 2025
$7.49vs $6.17+21.4%
$16.1Bvs $13.0B+24.3%
Q3 2025Jul 22, 2025
$6.14vs $5.98+2.7%
$14.9Bvs $14.2B+5.2%
Based on last 12 quarters of dataView full earnings history →

CB Peer Comparison

Chubb Limited (CB) competitors in Commercial lines and surety insurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
AIG logoAIGAmerican International Group, Inc.Direct Competitor42.1B78.4714.45-1.82%11.86%7.7%7.87%0.22
TRV logoTRVThe Travelers Companies, Inc.Direct Competitor65.17B301.3910.995.17%12.88%19.12%0.28
HIG logoHIGThe Hartford Financial Services Group, Inc.Direct Competitor36.89B134.1510.077.1%14.13%22.01%15.59%0.23
ALL logoALLThe Allstate CorporationDirect Competitor56.25B218.515.724.64%18.09%42.74%17.57%0.24
CNA logoCNACNA Financial CorporationDirect Competitor12.05B44.539.495.1%8.69%11.65%19.96%0.27
MKL logoMKLMarkel CorporationDirect Competitor22.08B1764.8110.43-0.96%10.7%9.56%11.57%0.23
WRB logoWRBW. R. Berkley CorporationDirect Competitor24.9B66.4914.947.82%12.1%18.86%13.93%0.29
RNR logoRNRRenaissanceRe Holdings Ltd.Product Competitor13.03B302.045.339.45%26.93%16.59%28.33%0.12

Compare CB vs Peers

Chubb Limited (CB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs AIG

Most directly comparable listed peer for CB.

Scale Benchmark

vs MMC

Larger-name benchmark to compare CB against a more recognizable public peer.

Peer Set

Compare Top 5

vs AIG, TRV, HIG, ALL

CB Income Statement

Chubb Limited (CB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Revenue32.34B32.68B34.23B36.05B40.77B42.98B50.13B56.15B59.78B
Revenue Growth %2.73%1.05%4.75%5.32%13.09%5.41%16.66%12%6.47%
Medical Costs & Claims24.91B24.57B25.62B29.04B29.44B32.15B36.29B39.98B42.18B
Medical Cost Ratio %77.03%75.18%74.86%80.55%72.2%74.8%72.4%71.2%70.55%
Gross Profit
7.43B▲ 0%
8.11B▲ 9.2%
8.61B▲ 6.1%
7.01B▼ 18.5%
11.33B▲ 61.6%
10.83B▼ 4.4%
13.84B▲ 27.8%
16.17B▲ 16.9%
17.61B▲ 8.9%
Gross Margin %22.97%24.82%25.14%19.45%27.8%25.2%27.6%28.8%29.45%
Gross Profit Growth %-16.86%9.17%6.13%-18.54%61.65%-4.44%27.78%16.86%8.86%
Operating Expenses3.71B3.45B3.36B2.85B1.54B4.34B4.31B4.72B4.56B
OpEx / Revenue %11.46%10.57%9.81%7.9%3.77%10.11%8.6%8.4%7.63%
Depreciation & Amortization260M339M305M290M287M285M310M323M301M
Combined Ratio %88.49%85.75%84.67%88.46%75.98%84.91%81%79.6%78.18%
Operating Income
3.72B▲ 0%
4.66B▲ 25.1%
5.25B▲ 12.7%
4.16B▼ 20.7%
9.79B▲ 135.3%
6.49B▼ 33.8%
9.53B▲ 46.9%
11.46B▲ 20.2%
13.04B▲ 13.9%
Operating Margin %11.51%14.25%15.33%11.54%24.02%15.09%19%20.4%21.82%
Operating Income Growth %-24.81%25.12%12.71%-20.71%135.32%-33.79%46.89%20.25%13.87%
EBITDA3.98B5B5.55B4.45B10.08B6.77B9.84B11.78B13.35B
EBITDA Margin %12.31%15.29%16.23%12.35%24.73%15.75%19.62%20.98%22.32%
Interest Expense607M641M552M516M492M570M672M741M764M
Non-Operating Income-607M-641M-552M-516M-492M-570M-672M-741M-764M
Pretax Income
3.72B▲ 0%
4.66B▲ 25.1%
5.25B▲ 12.7%
4.16B▼ 20.7%
9.79B▲ 135.3%
6.49B▼ 33.8%
9.53B▲ 46.9%
11.46B▲ 20.2%
13.04B▲ 13.9%
Pretax Margin %11.51%14.25%15.33%11.54%24.02%15.09%19%20.4%21.82%
Income Tax-139M695M795M629M1.27B1.24B511M1.81B2.42B
Effective Tax Rate %-3.73%14.92%15.15%15.11%12.96%19.11%5.36%15.84%18.57%
Net Income
3.86B▲ 0%
3.96B▲ 2.6%
4.45B▲ 12.4%
3.53B▼ 20.7%
8.53B▲ 141.3%
5.25B▼ 38.5%
9.03B▲ 72.1%
9.27B▲ 2.7%
10.31B▲ 11.2%
Net Margin %11.94%12.12%13.01%9.8%20.91%12.21%18.01%16.51%17.25%
Net Income Growth %-6.63%2.62%12.42%-20.68%141.3%-38.46%72.09%2.7%11.2%
EPS (Diluted)
8.19▲ 0%
8.49▲ 3.7%
9.71▲ 14.4%
7.79▼ 19.8%
19.27▲ 147.4%
12.39▼ 35.7%
21.80▲ 75.9%
22.70▲ 4.1%
25.73▲ 13.3%
EPS Growth %-7.67%3.66%14.37%-19.77%147.37%-35.7%75.95%4.13%13.35%
EPS (Basic)8.268.559.777.8219.3812.5021.9722.9425.91
Diluted Shares Outstanding471.2M466.8M458.91M453.44M443.2M423.53M414.2M411.91M396.5M

CB Balance Sheet

Chubb Limited (CB) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Total Assets167.02B167.77B176.94B190.77B200.05B199.02B230.68B246.55B247.83B
Asset Growth %4.53%0.45%5.47%7.82%4.86%-0.52%15.91%6.88%0.52%
Total Investment Assets662M678M110.57B205.77B207.41B135.98B162.55B178.95B175.65B
Long-Term Investments662M678M103.17B110.72B111.15B112.21B131.21B142.05B175.65B
Short-Term Investments0089.78B95.04B96.25B23.77B31.34B36.9B0
Total Current Assets728M1.25B00000018.41B
Cash & Equivalents728M1.25B1.54B1.75B1.66B2.01B2.45B2.29B2.47B
Receivables24.55B26.27B25.73B26.28B28.9B31.09B33.61B34.49B15.94B
Other Current Assets-107.05B-107.76B-119.7B-125.84B-129.84B-60.02B-70.62B-77.06B0
Goodwill & Intangibles27.12B26.64B21.66B21.47B20.9B25.37B30.14B29.18B26.45B
Goodwill15.54B15.27B15.3B15.4B15.21B16.23B19.69B19.58B20.21B
Intangible Assets11.58B11.37B6.37B6.07B5.69B9.14B10.45B9.6B6.24B
PP&E (Net)1.3B1.7B0000004.53B
Other Assets135.45B135.51B-124.84B-132.2B-132.06B-137.58B-161.34B-171.23B21.48B
Total Liabilities99.31B100.16B121.61B131.33B140.34B148.5B166.99B178.15B168.05B
Total Debt12.57B14.32B14.86B14.95B16.17B14.88B14.49B15.29B22.19B
Net Debt11.84B11.35B13.32B13.2B14.51B12.87B12.05B13B19.72B
Long-Term Debt11.86B12.39B13.56B14.95B15.17B14.4B13.04B14.49B16.15B
Short-Term Debt2.42B1.93B1.3B0999M475M1.46B800M5.03B
Total Current Liabilities57.72B56.81B0000000
Accounts Payable5.87B6.44B6.18B6.71B7.24B7.78B8.3B8.12B0
Deferred Revenue000000000
Other Current Liabilities49.43B48.44B-7.48B-6.71B-8.24B-8.26B-9.76B-8.92B-5.03B
Deferred Taxes1000K1000K1000K1000K1000K1000K1000K1000K1000K
Other Liabilities27.27B28.67B-14.36B-15.84B-15.56B-14.78B-14.59B-16.07B149.16B
Total Equity
51.17B▲ 0%
50.31B▼ 1.7%
55.33B▲ 10.0%
59.44B▲ 7.4%
59.71B▲ 0.5%
50.52B▼ 15.4%
63.69B▲ 26.1%
68.39B▲ 7.4%
79.78B▲ 16.6%
Equity Growth %6%-1.68%9.98%7.43%0.46%-15.4%26.07%7.38%16.65%
Shareholders Equity51.17B50.31B55.33B59.44B59.71B50.52B59.51B64.02B73.76B
Minority Interest0000004.18B4.37B6.02B
Retained Earnings27.47B31.7B36.14B39.34B47.37B48.3B54.81B61.56B69.95B
Common Stock11.12B11.12B11.12B11.06B10.98B10.35B241M235M231M
Accumulated OCI543M-2.45B619M2.87B350M-10.19B-6.81B-8.64B-4.97B
Return on Equity (ROE)7.76%7.81%8.43%6.16%14.31%9.52%15.81%14.04%13.92%
Return on Assets (ROA)2.36%2.37%2.58%1.92%4.36%2.63%4.2%3.89%4.17%
Equity / Assets30.64%29.99%31.27%31.16%29.85%25.38%27.61%27.74%32.19%
Debt / Equity0.25x0.28x0.27x0.25x0.27x0.29x0.23x0.22x0.28x
Book Value per Share108.60107.78120.57131.09134.73119.28153.77166.04201.21
Tangible BV per Share51.0450.7073.3683.7387.5759.3881.0195.20134.50

CB Cash Flow Statement

Chubb Limited (CB) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations4.5B5.48B6.34B9.79B11.15B11.26B12.63B16.18B14.54B
Operating CF Growth %-14.91%21.7%15.73%54.29%13.96%0.96%12.2%28.1%-10.17%
Operating CF / Revenue %13.92%16.77%18.53%27.14%27.35%26.2%25.2%28.82%24.32%
Net Income3.86B3.96B4.45B3.53B8.53B5.25B9.02B9.64B10.31B
Depreciation & Amortization260M339M305M290M287M285M310M323M301M
Stock-Based Compensation000000000
Deferred Taxes-527M16M-97M-333M-84M318M-1.12B96M0
Other Non-Cash Items710M893M963M605M101M1.98B2.17B341M-186M
Working Capital Changes199M270M717M5.69B2.32B3.43B2.26B5.78B4.11B
Cash from Investing-2.42B-2.94B-5.91B-7.52B-6.66B-5.65B-7.65B-13.92B-12.98B
Capital Expenditures000000000
Acquisitions-648M-1.34B-1.92B-3.55B-3.65B-7.82B-2.08B-1.58B-289M
Purchase of Investments-27.07B-25.38B-28.43B-33.11B-32.2B-30.89B-30.43B-38.95B-37.14B
Sale/Maturity of Investments24.75B23.34B23.71B28.7B28.11B32.6B24.58B26.62B28.18B
Other Investing554M447M733M437M1.08B457M275M-15M-3.73B
Cash from Financing-2.32B-1.99B-151M-2.08B-4.41B-5.14B-4.49B-2.18B-1.85B
Dividends Paid-1.31B-1.34B-1.35B-1.39B-1.4B-1.38B-1.39B-1.44B-1.5B
Share Repurchases-801M-1.04B-1.53B-523M-4.86B-2.89B-2.41B-1.8B-3.69B
Stock Issued00000000327M
Debt Issuance (Net)-1000K1000K1000K-1000K1000K-1000K-1000K1000K1000K
Other Financing291M220M415M142M275M127M-209M85M794M
Net Change in Cash
-237M▲ 0%
489M▲ 306.3%
306M▼ 37.4%
190M▼ 37.9%
-25M▼ 113.2%
316M▲ 1364.0%
494M▲ 56.3%
-72M▼ 114.6%
-79M▼ 9.7%
Exchange Rate Effect1M-65M20M8M-106M-146M-1M-150M215M
Cash at Beginning1.09B851M1.34B1.65B1.84B1.81B2.13B2.62B2.55B
Cash at End851M1.34B1.65B1.84B1.81B2.13B2.62B2.55B2.47B
Free Cash Flow
4.5B▲ 0%
5.48B▲ 21.7%
6.34B▲ 15.7%
9.79B▲ 54.3%
11.15B▲ 14.0%
11.26B▲ 1.0%
12.63B▲ 12.2%
16.18B▲ 28.1%
14.54B▼ 10.2%
FCF Growth %-14.91%21.7%15.73%54.29%13.96%0.96%12.2%28.1%-10.17%
FCF Margin %13.92%16.77%18.53%27.14%27.35%26.2%25.2%28.82%24.32%
FCF per Share9.5611.7413.8221.5825.1626.5830.539.2936.66

CB Key Ratios

Chubb Limited (CB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Combined Ratio84.28%88.49%85.75%84.67%88.46%75.98%84.91%81%79.6%78.18%
Medical Cost Ratio71.61%77.03%75.18%74.86%80.55%72.2%74.8%72.4%71.2%70.55%
Return on Equity (ROE)10.68%7.76%7.81%8.43%6.16%14.31%9.52%15.81%14.04%13.92%
Return on Assets (ROA)3.16%2.36%2.37%2.58%1.92%4.36%2.63%4.2%3.89%4.17%
Equity / Assets30.21%30.64%29.99%31.27%31.16%29.85%25.38%27.61%27.74%32.19%
Book Value / Share103.61108.6107.78120.57131.09134.73119.28153.77166.04201.21
Debt / Equity0.31x0.25x0.28x0.27x0.25x0.27x0.29x0.23x0.22x0.28x
Revenue Growth65.96%2.73%1.05%4.75%5.32%13.09%5.41%16.66%12%6.47%

CB SEC Filings & Documents

Chubb Limited (CB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 21, 2026·SEC

Material company update

Mar 11, 2026·SEC

Material company update

Feb 3, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 27, 2025·SEC

10-Q Quarterly Reports

5
FY 2025

Oct 27, 2025·SEC

FY 2025

Jul 28, 2025·SEC

FY 2025

Apr 28, 2025·SEC

CB Frequently Asked Questions

Chubb Limited (CB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Chubb Limited (CB) grew revenue by 6.5% over the past year. This is steady growth.

Yes, Chubb Limited (CB) is profitable, generating $10.31B in net income for fiscal year 2025 (17.2% net margin).

Dividend & Returns

Yes, Chubb Limited (CB) pays a dividend with a yield of 1.18%. This makes it attractive for income-focused investors.

Chubb Limited (CB) has a return on equity (ROE) of 13.9%. This is reasonable for most industries.

Industry Metrics

Chubb Limited (CB) has a combined ratio of 78.2%. A ratio below 100% indicates underwriting profitability.

Explore More CB

Chubb Limited (CB) financial analysis — history, returns, DCA and operating performance tools

Full CB Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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