Chubb Limited (CB) reported $60.8B in revenue over the twelve months to Mar 31, 2026, up 8.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Chubb’s dominant mechanic is balance-sheet compounding: expanding assets and equity support profits while cash generation fluctuates with investment flows.
Cash conversion weakened: operating cash flow was 1.2x net income in FY2025, down from 1.7x in FY2024. Net income reached$10.3B as operating cash flow fell to$12.8B , indicating that reported earnings and cash realization can diverge materially between years.
Assets expanded from
Net margin recovered to
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Chubb Limited's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Chubb Limited, and counted as zero in the overall score.
Chubb Limited passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Chubb Limited generates $1.24 in operating cash flow ($12.8B OCF vs $10.3B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Chubb Limited generated $59.4B in revenue in fiscal year 2025. This represents an increase of 6.5% from the prior year.
Chubb Limited reported $10.3B in net income in fiscal year 2025. This represents an increase of 11.2% from the prior year.
Chubb Limited earned $25.68 per diluted share (EPS) in fiscal year 2025. This represents an increase of 13.1% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Chubb Limited held $2.5B in cash against $15.7B in long-term debt as of fiscal year 2025.
Chubb Limited paid $3.82 per share in dividends in fiscal year 2025. This represents an increase of 6.4% from the prior year.
Not reported for fiscal year 2025.
Margins & Returns
Chubb Limited's net profit margin was 17.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.7 percentage points from the prior year.
Chubb Limited's ROE was 14.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.5 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Chubb Limited spent $3.7B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 105.1% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
CB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $14.8B-1.9% | $15.1B-6.7% | $16.1B+8.8% | $14.8B+11.1% | $13.4B-5.8% | $14.2B-4.5% | $14.8B+7.3% | $13.8B |
| SG&A Expenses | $1.1B-1.0% | $1.2B+2.0% | $1.1B+1.2% | $1.1B+4.2% | $1.1B-3.7% | $1.1B+2.6% | $1.1B0.0% | $1.1B |
| Interest Expense | $198.0M-3.4% | $205.0M+4.1% | $197.0M+8.8% | $181.0M0.0% | $181.0M-4.2% | $189.0M-1.6% | $192.0M+5.5% | $182.0M |
| Income Tax | $646.0M+8.2% | $597.0M-24.1% | $787.0M+9.8% | $717.0M+123.4% | $321.0M-33.0% | $479.0M-5.0% | $504.0M+2.9% | $490.0M |
| Net Income | $2.3B-27.7% | $3.2B+14.6% | $2.8B-5.6% | $3.0B+123.0% | $1.3B-48.3% | $2.6B+10.8% | $2.3B+4.2% | $2.2B |
| EPS (Diluted) | $5.88-27.1% | $8.07+15.5% | $6.99-4.9% | $7.35+123.4% | $3.29-47.9% | $6.32+10.9% | $5.70+4.4% | $5.46 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
CB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $275.5B+1.1% | $272.3B+0.8% | $270.2B+3.3% | $261.6B+3.9% | $251.8B+2.1% | $246.5B-1.6% | $250.6B+5.0% | $238.6B |
| Cash & Equivalents | $2.6B+6.6% | $2.5B+0.7% | $2.5B+3.5% | $2.4B+5.4% | $2.3B-11.7% | $2.5B-4.8% | $2.7B+4.3% | $2.6B |
| Goodwill | $20.4B+0.8% | $20.2B-0.1% | $20.2B+0.3% | $20.2B+2.4% | $19.7B+0.7% | $19.6B-2.1% | $20.0B+0.8% | $19.8B |
| Total Liabilities | $195.5B+1.6% | $192.5B+0.1% | $192.4B+2.8% | $187.1B+3.4% | $181.0B+1.6% | $178.2B-1.3% | $180.4B+3.7% | $174.0B |
| Long-Term Debt | $16.0B+1.5% | $15.7B0.0% | $15.7B+16.7% | $13.5B-7.1% | $14.5B+0.9% | $14.4B-1.2% | $14.6B+10.5% | $13.2B |
| Total Equity | $73.8B0.0% | $73.8B+2.6% | $71.9B+3.5% | $69.4B+5.6% | $65.7B+2.7% | $64.0B-2.6% | $65.8B+7.7% | $61.0B |
| Retained Earnings | $68.8B-1.6% | $70.0B+4.8% | $66.7B+4.4% | $63.9B+4.9% | $61.0B-1.0% | $61.6B+4.4% | $59.0B+4.1% | $56.7B |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
CB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.9B-2.8% | $4.1B+11.6% | $3.6B+2.5% | $3.6B+126.8% | $1.6B-65.7% | $4.6B+5.7% | $4.3B+5.9% | $4.1B |
| Investing Cash Flow | -$2.8B-21.6% | -$2.3B+56.0% | -$5.3B-87.6% | -$2.8B-254.3% | -$798.0M+67.7% | -$2.5B+54.0% | -$5.4B-132.0% | -$2.3B |
| Financing Cash Flow | -$950.0M+42.8% | -$1.7B-197.8% | $1.7B+322.8% | -$762.0M+32.3% | -$1.1B+46.9% | -$2.1B-288.9% | $1.1B+164.3% | -$1.7B |
| Dividends Paid | $380.0M-1.0% | $384.0M-1.5% | $390.0M+6.8% | $365.0M-0.3% | $366.0M-0.3% | $367.0M-1.1% | $371.0M+6.3% | $349.0M |
| Share Buybacks | $1.2B+0.3% | $1.2B+7.8% | $1.1B+45.6% | $746.0M+8.0% | $691.0M+53.6% | $450.0M+52.5% | $295.0M-54.8% | $652.0M |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.
CB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 15.7%-5.6pp | 21.3%+4.0pp | 17.3%-2.7pp | 20.0%+10.0pp | 10.0%-8.2pp | 18.2%+2.5pp | 15.7%-0.5pp | 16.1% |
| Return on Equity | 3.1%-1.2pp | 4.3%+0.4pp | 3.9%-0.4pp | 4.3%+2.3pp | 2.0%-2.0pp | 4.0%+0.5pp | 3.5%-0.1pp | 3.6% |
| Return on Assets | 0.8%-0.3pp | 1.2%+0.1pp | 1.0%-0.1pp | 1.1%+0.6pp | 0.5%-0.5pp | 1.0%+0.1pp | 0.9%0.0pp | 0.9% |
| Debt-to-Equity | 0.220.0x | 0.210.0x | 0.220.0x | 0.190.0x | 0.220.0x | 0.220.0x | 0.220.0x | 0.22 |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
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Where Chubb Limited Ranks
Frequently Asked Questions
What is Chubb Limited's annual revenue?
Chubb Limited (CB) reported $59.4B in total revenue for fiscal year 2025. This represents a 6.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Chubb Limited's revenue growing?
Chubb Limited (CB) revenue grew by 6.5% year-over-year, from $55.8B to $59.4B in fiscal year 2025.
Is Chubb Limited profitable?
Yes, Chubb Limited (CB) reported a net income of $10.3B in fiscal year 2025, with a net profit margin of 17.4%.
How much debt does Chubb Limited have?
As of fiscal year 2025, Chubb Limited (CB) had $2.5B in cash and equivalents against $15.7B in long-term debt.
What is Chubb Limited's net profit margin?
Chubb Limited (CB) had a net profit margin of 17.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Chubb Limited pay dividends?
Yes, Chubb Limited (CB) paid $3.82 per share in dividends during fiscal year 2025.
What is Chubb Limited's return on equity (ROE)?
Chubb Limited (CB) has a return on equity of 14.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Chubb Limited's operating cash flow?
Chubb Limited (CB) generated $12.8B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Chubb Limited's total assets?
Chubb Limited (CB) had $272.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Chubb Limited's debt-to-equity ratio?
Chubb Limited (CB) had a debt-to-equity ratio of 0.21 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Chubb Limited's return on assets (ROA)?
Chubb Limited (CB) had a return on assets of 3.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Chubb Limited's Piotroski F-Score?
Chubb Limited (CB) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Chubb Limited's earnings high quality?
Chubb Limited (CB) has an earnings quality ratio of 1.24x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Chubb Limited?
Chubb Limited (CB) scores 59 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.