Last 47 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Chubb Limited's quarterly P/E stands at 9.6x, down 11.7% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 9.0% YoY to 9.3x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.49 | 9.63 | 10.09 | 9.85 | 22.95 | 10.91 | 12.65 | 11.68 | 12.39 | 7.03 | 10.51 | 11.14 | 10.72 |
| — | -11.7% | -20.2% | -15.6% | +85.3% | +55.3% | +20.3% | +4.8% | +15.6% | -60.1% | -56.3% | -36.5% | -9.0% | |
| P/S Ratio | 2.10 | 2.02 | 1.76 | 1.97 | 2.28 | 2.08 | 1.95 | 1.87 | 2.06 | 1.75 | 1.54 | 1.69 | 1.82 |
| — | -3.0% | -9.8% | +5.1% | +11.0% | +18.9% | +26.2% | +10.6% | +13.0% | -12.7% | -3.1% | -19.8% | -24.4% | |
| P/B Ratio | 1.60 | 1.55 | 1.46 | 1.57 | 1.73 | 1.73 | 1.68 | 1.61 | 1.65 | 1.46 | 1.49 | 1.51 | 1.53 |
| — | -10.2% | -12.8% | -2.6% | +4.8% | +18.6% | +12.3% | +6.6% | +7.6% | -20.3% | -6.8% | -6.5% | -5.5% | |
| P/FCF | 8.62 | 6.50 | 7.82 | 8.24 | 19.51 | 6.47 | 6.81 | 6.39 | 8.24 | 7.28 | 4.59 | 7.96 | 9.01 |
| — | +0.4% | +14.8% | +28.9% | +136.7% | -11.1% | +48.4% | -19.7% | -8.5% | -16.4% | -17.4% | +3.6% | -4.2% | |
| EV / EBITDA | 10.87 | 9.32 | 8.11 | 8.56 | 19.37 | 10.25 | 10.67 | 10.46 | 10.97 | 9.72 | 9.63 | 10.22 | 9.93 |
| — | -9.0% | -24.0% | -18.2% | +76.6% | +5.4% | +10.8% | +2.3% | +10.5% | -36.2% | -51.7% | -31.2% | -11.2% | |
| EV / EBIT | 11.12 | 9.02 | 7.87 | 8.33 | 18.26 | 9.91 | 10.30 | 10.09 | 10.59 | 9.41 | 9.30 | 9.81 | 9.57 |
| — | -9.0% | -23.6% | -17.5% | +72.4% | +5.3% | +10.7% | +2.8% | +10.7% | -35.3% | -50.0% | -31.3% | -12.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Chubb Limited's operating margin was 24.6% in Q4 2025, up 0.6 pp QoQ and up 2.6 pp YoY. The trailing four-quarter average of 21.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 8.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 29.4% | 32.4% | 32.5% | 29.9% | 21.8% | 29.9% | 26.9% | 28.9% | 29.5% | 28.3% | 26.3% | 27.8% | 28.2% |
| — | +8.3% | +20.9% | +3.4% | -26.2% | +5.7% | +2.2% | +3.9% | +4.9% | +8.7% | +36.4% | +6.6% | -8.6% | |
| Operating Margin | 21.8% | 24.6% | 24.0% | 25.0% | 12.4% | 22.0% | 19.8% | 19.4% | 20.4% | 19.7% | 17.6% | 18.5% | 20.4% |
| — | +12.0% | +21.2% | +28.6% | -39.2% | +11.5% | +12.5% | +5.1% | +0.0% | +37.2% | +100.2% | +23.7% | -15.4% | |
| Net Margin | 17.2% | 21.0% | 17.3% | 19.9% | 9.9% | 18.2% | 15.4% | 16.0% | 16.6% | 24.9% | 14.7% | 15.2% | 17.0% |
| — | +15.5% | +12.4% | +24.6% | -40.1% | -27.2% | +4.9% | +5.6% | -2.2% | +118.5% | +122.1% | +26.3% | -17.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.9% | 4.1% | 3.7% | 4.1% | 1.9% | 3.7% | 3.5% | 3.5% | 3.3% | 5.4% | 3.7% | 3.4% | 3.7% |
| — | +9.6% | +6.6% | +18.2% | -42.8% | -31.7% | -6.8% | +2.1% | -8.5% | +103.7% | +132.1% | +54.2% | +9.0% | |
| ROA | 4.2% | 1.2% | 1.1% | 1.2% | 0.5% | 1.0% | 1.0% | 0.9% | 0.9% | 1.5% | 1.0% | 0.9% | 0.9% |
| — | +19.6% | +10.9% | +22.7% | -42.0% | -28.8% | -0.4% | +6.9% | -2.6% | +120.3% | +137.2% | +45.8% | -3.7% | |
| ROIC | 10.8% | 2.9% | 3.2% | 3.3% | 1.5% | 2.8% | 2.8% | 2.6% | 2.6% | 2.7% | 2.7% | 2.5% | 2.7% |
| — | +3.8% | +16.0% | +24.3% | -41.3% | +4.9% | +2.1% | +4.4% | -2.9% | +35.4% | +109.9% | +48.9% | +11.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Chubb Limited's Debt/EBITDA ratio is 5.8x, up from 4.3x last quarter — elevated, raising questions about debt serviceability. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.28 | 0.22 | 0.20 | 0.21 | 0.22 | 0.23 | 0.23 | 0.24 | 0.23 | 0.25 | 0.27 | 0.27 |
| — | +24.4% | -3.8% | -11.8% | -14.8% | -1.8% | -8.4% | -16.7% | -11.3% | -22.7% | -22.9% | -10.4% | -4.2% | |
| Debt / EBITDA | 1.66 | 5.77 | 4.34 | 3.95 | 8.34 | 4.78 | 5.25 | 5.29 | 5.71 | 5.38 | 5.69 | 6.42 | 6.12 |
| — | +20.7% | -17.3% | -25.3% | +46.1% | -11.2% | -7.8% | -17.7% | -6.7% | -37.6% | -58.8% | -36.9% | -9.4% | |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 18.07 | 19.39 | 20.77 | 21.53 | 10.19 | 17.50 | 16.59 | 15.87 | 15.81 | 16.10 | 15.10 | 14.24 | 15.22 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Chubb Limited's current P/E is 12.5x. The average P/E over the last 4 quarters is 13.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Chubb Limited's current operating margin is 21.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Chubb Limited's business trajectory between earnings reports.