8-K Announcements
6Apr 21, 2026·SEC
Mar 11, 2026·SEC
Feb 3, 2026·SEC
Chubb Limited (CB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Chubb Limited (CB) stock price & volume — 10-year historical chart
Chubb Limited (CB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Chubb Limited (CB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $6.82vs $6.60+3.3% | $14.0Bvs $13.6B+3.3% |
| Q1 2026 | Feb 3, 2026 | $7.52vs $6.77+11.1% | $13.1Bvs $12.9B+1.5% |
| Q4 2025 | Oct 21, 2025 | $7.49vs $6.17+21.4% | $16.1Bvs $13.0B+24.3% |
| Q3 2025 | Jul 22, 2025 | $6.14vs $5.98+2.7% | $14.9Bvs $14.2B+5.2% |
Chubb Limited (CB) competitors in Commercial lines and surety insurers — business model, growth, and fundamentals comparison
Chubb Limited (CB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Chubb Limited (CB) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 32.34B | 32.68B | 34.23B | 36.05B | 40.77B | 42.98B | 50.13B | 56.15B | 59.78B |
| Revenue Growth % | 2.73% | 1.05% | 4.75% | 5.32% | 13.09% | 5.41% | 16.66% | 12% | 6.47% |
| Medical Costs & Claims | 24.91B | 24.57B | 25.62B | 29.04B | 29.44B | 32.15B | 36.29B | 39.98B | 42.18B |
| 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 Expenses | 3.71B | 3.45B | 3.36B | 2.85B | 1.54B | 4.34B | 4.31B | 4.72B | 4.56B |
| OpEx / Revenue % | 11.46% | 10.57% | 9.81% | 7.9% | 3.77% | 10.11% | 8.6% | 8.4% | 7.63% |
| Depreciation & Amortization | 260M | 339M | 305M | 290M | 287M | 285M | 310M | 323M | 301M |
| 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% |
| EBITDA | 3.98B | 5B | 5.55B | 4.45B | 10.08B | 6.77B | 9.84B | 11.78B | 13.35B |
| EBITDA Margin % | 12.31% | 15.29% | 16.23% | 12.35% | 24.73% | 15.75% | 19.62% | 20.98% | 22.32% |
| Interest Expense | 607M | 641M | 552M | 516M | 492M | 570M | 672M | 741M | 764M |
| 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 | -139M | 695M | 795M | 629M | 1.27B | 1.24B | 511M | 1.81B | 2.42B |
| 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) | 8.26 | 8.55 | 9.77 | 7.82 | 19.38 | 12.50 | 21.97 | 22.94 | 25.91 |
| Diluted Shares Outstanding | 471.2M | 466.8M | 458.91M | 453.44M | 443.2M | 423.53M | 414.2M | 411.91M | 396.5M |
Chubb Limited (CB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 167.02B | 167.77B | 176.94B | 190.77B | 200.05B | 199.02B | 230.68B | 246.55B | 247.83B |
| Asset Growth % | 4.53% | 0.45% | 5.47% | 7.82% | 4.86% | -0.52% | 15.91% | 6.88% | 0.52% |
| Total Investment Assets | 662M | 678M | 110.57B | 205.77B | 207.41B | 135.98B | 162.55B | 178.95B | 175.65B |
| Long-Term Investments | 662M | 678M | 103.17B | 110.72B | 111.15B | 112.21B | 131.21B | 142.05B | 175.65B |
| Short-Term Investments | 0 | 0 | 89.78B | 95.04B | 96.25B | 23.77B | 31.34B | 36.9B | 0 |
| Total Current Assets | 728M | 1.25B | 0 | 0 | 0 | 0 | 0 | 0 | 18.41B |
| Cash & Equivalents | 728M | 1.25B | 1.54B | 1.75B | 1.66B | 2.01B | 2.45B | 2.29B | 2.47B |
| Receivables | 24.55B | 26.27B | 25.73B | 26.28B | 28.9B | 31.09B | 33.61B | 34.49B | 15.94B |
| Other Current Assets | -107.05B | -107.76B | -119.7B | -125.84B | -129.84B | -60.02B | -70.62B | -77.06B | 0 |
| Goodwill & Intangibles | 27.12B | 26.64B | 21.66B | 21.47B | 20.9B | 25.37B | 30.14B | 29.18B | 26.45B |
| Goodwill | 15.54B | 15.27B | 15.3B | 15.4B | 15.21B | 16.23B | 19.69B | 19.58B | 20.21B |
| Intangible Assets | 11.58B | 11.37B | 6.37B | 6.07B | 5.69B | 9.14B | 10.45B | 9.6B | 6.24B |
| PP&E (Net) | 1.3B | 1.7B | 0 | 0 | 0 | 0 | 0 | 0 | 4.53B |
| Other Assets | 135.45B | 135.51B | -124.84B | -132.2B | -132.06B | -137.58B | -161.34B | -171.23B | 21.48B |
| Total Liabilities | 99.31B | 100.16B | 121.61B | 131.33B | 140.34B | 148.5B | 166.99B | 178.15B | 168.05B |
| Total Debt | 12.57B | 14.32B | 14.86B | 14.95B | 16.17B | 14.88B | 14.49B | 15.29B | 22.19B |
| Net Debt | 11.84B | 11.35B | 13.32B | 13.2B | 14.51B | 12.87B | 12.05B | 13B | 19.72B |
| Long-Term Debt | 11.86B | 12.39B | 13.56B | 14.95B | 15.17B | 14.4B | 13.04B | 14.49B | 16.15B |
| Short-Term Debt | 2.42B | 1.93B | 1.3B | 0 | 999M | 475M | 1.46B | 800M | 5.03B |
| Total Current Liabilities | 57.72B | 56.81B | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Payable | 5.87B | 6.44B | 6.18B | 6.71B | 7.24B | 7.78B | 8.3B | 8.12B | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 49.43B | 48.44B | -7.48B | -6.71B | -8.24B | -8.26B | -9.76B | -8.92B | -5.03B |
| Deferred Taxes | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Liabilities | 27.27B | 28.67B | -14.36B | -15.84B | -15.56B | -14.78B | -14.59B | -16.07B | 149.16B |
| 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 Equity | 51.17B | 50.31B | 55.33B | 59.44B | 59.71B | 50.52B | 59.51B | 64.02B | 73.76B |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 4.18B | 4.37B | 6.02B |
| Retained Earnings | 27.47B | 31.7B | 36.14B | 39.34B | 47.37B | 48.3B | 54.81B | 61.56B | 69.95B |
| Common Stock | 11.12B | 11.12B | 11.12B | 11.06B | 10.98B | 10.35B | 241M | 235M | 231M |
| Accumulated OCI | 543M | -2.45B | 619M | 2.87B | 350M | -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 / Assets | 30.64% | 29.99% | 31.27% | 31.16% | 29.85% | 25.38% | 27.61% | 27.74% | 32.19% |
| Debt / Equity | 0.25x | 0.28x | 0.27x | 0.25x | 0.27x | 0.29x | 0.23x | 0.22x | 0.28x |
| Book Value per Share | 108.60 | 107.78 | 120.57 | 131.09 | 134.73 | 119.28 | 153.77 | 166.04 | 201.21 |
| Tangible BV per Share | 51.04 | 50.70 | 73.36 | 83.73 | 87.57 | 59.38 | 81.01 | 95.20 | 134.50 |
Chubb Limited (CB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 4.5B | 5.48B | 6.34B | 9.79B | 11.15B | 11.26B | 12.63B | 16.18B | 14.54B |
| 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 Income | 3.86B | 3.96B | 4.45B | 3.53B | 8.53B | 5.25B | 9.02B | 9.64B | 10.31B |
| Depreciation & Amortization | 260M | 339M | 305M | 290M | 287M | 285M | 310M | 323M | 301M |
| Stock-Based Compensation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes | -527M | 16M | -97M | -333M | -84M | 318M | -1.12B | 96M | 0 |
| Other Non-Cash Items | 710M | 893M | 963M | 605M | 101M | 1.98B | 2.17B | 341M | -186M |
| Working Capital Changes | 199M | 270M | 717M | 5.69B | 2.32B | 3.43B | 2.26B | 5.78B | 4.11B |
| Cash from Investing | -2.42B | -2.94B | -5.91B | -7.52B | -6.66B | -5.65B | -7.65B | -13.92B | -12.98B |
| Capital Expenditures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 Investments | 24.75B | 23.34B | 23.71B | 28.7B | 28.11B | 32.6B | 24.58B | 26.62B | 28.18B |
| Other Investing | 554M | 447M | 733M | 437M | 1.08B | 457M | 275M | -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 Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 327M |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K |
| Other Financing | 291M | 220M | 415M | 142M | 275M | 127M | -209M | 85M | 794M |
| 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 Effect | 1M | -65M | 20M | 8M | -106M | -146M | -1M | -150M | 215M |
| Cash at Beginning | 1.09B | 851M | 1.34B | 1.65B | 1.84B | 1.81B | 2.13B | 2.62B | 2.55B |
| Cash at End | 851M | 1.34B | 1.65B | 1.84B | 1.81B | 2.13B | 2.62B | 2.55B | 2.47B |
| 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 Share | 9.56 | 11.74 | 13.82 | 21.58 | 25.16 | 26.58 | 30.5 | 39.29 | 36.66 |
Chubb Limited (CB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 84.28% | 88.49% | 85.75% | 84.67% | 88.46% | 75.98% | 84.91% | 81% | 79.6% | 78.18% |
| Medical Cost Ratio | 71.61% | 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 / Assets | 30.21% | 30.64% | 29.99% | 31.27% | 31.16% | 29.85% | 25.38% | 27.61% | 27.74% | 32.19% |
| Book Value / Share | 103.61 | 108.6 | 107.78 | 120.57 | 131.09 | 134.73 | 119.28 | 153.77 | 166.04 | 201.21 |
| Debt / Equity | 0.31x | 0.25x | 0.28x | 0.27x | 0.25x | 0.27x | 0.29x | 0.23x | 0.22x | 0.28x |
| Revenue Growth | 65.96% | 2.73% | 1.05% | 4.75% | 5.32% | 13.09% | 5.41% | 16.66% | 12% | 6.47% |
Chubb Limited (CB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 21, 2026·SEC
Mar 11, 2026·SEC
Feb 3, 2026·SEC
Chubb Limited (CB) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
Chubb Limited (CB) has a combined ratio of 78.2%. A ratio below 100% indicates underwriting profitability.
Chubb Limited (CB) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates