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Chubb Limited Financials

CB
Trailing 12 months to March 31, 2026
Revenue $60.8B +8.2% YoY
Net Income $11.3B +33.6% YoY
EPS (Diluted) $28.29 +36.2% YoY
Free Cash Flow Not reported for the trailing 12 months
Source SEC Filings (10-K/10-Q) Latest period Q1 FY2026, ended Mar 31, 2026 Reported Currency USD FYE December

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).

Rhea AI CB FY2025

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 $200.1B in FY2021 to $272.3B in FY2025, enlarging the balance sheet that supports the insurance operation. Debt-to-equity remained low at 0.2x in FY2025 versus 0.3x in FY2022, indicating that this expansion was not primarily funded by rising leverage.

Net margin recovered to 17.4% in FY2025 from 12.2% in FY2022, but the return profile did not rise alongside the asset base. Return on assets was 3.8% in FY2025, while return on equity eased to 14.0% from 15.2% in FY2023, suggesting scale expanded earnings without proportionally improving capital productivity.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Loss Ratio PremiumGrowth Capital Investment Yield CombinedRatio Stability 59 / 100
Financial Health Score 59/100
Scored as: Insurers peer group

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.

Loss Ratio
76
Premium Growth
51
Capital
62
Investment Yield
0

Not available for Chubb Limited, and counted as zero in the overall score.

Combined Ratio
77
Stability
88
Piotroski F-Score Partial
6/7

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.

Earnings Quality Cash-Backed
1.24x

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

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Earnings & Revenue

Revenue
$59.4B
YoY+6.5%
5Y CAGR+10.5%
10Y CAGR+12.1%

Chubb Limited generated $59.4B in revenue in fiscal year 2025. This represents an increase of 6.5% from the prior year.

Net Income
$10.3B
YoY+11.2%
5Y CAGR+23.9%
10Y CAGR+13.8%

Chubb Limited reported $10.3B in net income in fiscal year 2025. This represents an increase of 11.2% from the prior year.

EPS (Diluted)
$25.68
YoY+13.1%
5Y CAGR+26.9%
10Y CAGR+11.5%

Chubb Limited earned $25.68 per diluted share (EPS) in fiscal year 2025. This represents an increase of 13.1% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt
$2.5B
YoY-3.1%
5Y CAGR+7.2%
10Y CAGR+3.4%

Chubb Limited held $2.5B in cash against $15.7B in long-term debt as of fiscal year 2025.

Dividends Per Share
$3.82
YoY+6.4%

Chubb Limited paid $3.82 per share in dividends in fiscal year 2025. This represents an increase of 6.4% from the prior year.

Shares Outstanding
390M
YoY-2.6%
5Y CAGR-2.8%
10Y CAGR-1.7%

Chubb Limited had 390M shares outstanding in fiscal year 2025. This represents a decrease of 2.6% from the prior year.

Free Cash Flow

Not reported for fiscal year 2025.

Margins & Returns

Net Margin
17.4%
YoY+0.7pp
5Y CAGR+7.5pp
10Y CAGR+2.4pp

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.

Return on Equity
14.0%
YoY-0.5pp
5Y CAGR+8.0pp
10Y CAGR+4.3pp

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks
$3.7B
YoY+105.1%
5Y CAGR+47.8%

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.

R&D Spending

Not reported for fiscal year 2025.

Capital Expenditures

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.

CB quarterly income statement
MetricQ1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24Q2'24
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.

CB quarterly balance sheet
MetricQ1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24Q2'24
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.

CB quarterly cash flow statement
MetricQ1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24Q2'24
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.

CB quarterly financial ratios
MetricQ1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24Q2'24
Net Margin15.7%-5.6pp21.3%+4.0pp17.3%-2.7pp20.0%+10.0pp10.0%-8.2pp18.2%+2.5pp15.7%-0.5pp16.1%
Return on Equity3.1%-1.2pp4.3%+0.4pp3.9%-0.4pp4.3%+2.3pp2.0%-2.0pp4.0%+0.5pp3.5%-0.1pp3.6%
Return on Assets0.8%-0.3pp1.2%+0.1pp1.0%-0.1pp1.1%+0.6pp0.5%-0.5pp1.0%+0.1pp0.9%0.0pp0.9%
Debt-to-Equity0.220.0x0.210.0x0.220.0x0.190.0x0.220.0x0.220.0x0.220.0x0.22

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

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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%.

Chubb Limited (CB) reported diluted earnings per share of $25.68 for fiscal year 2025. This represents a 13.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

As of fiscal year 2025, Chubb Limited (CB) had $2.5B in cash and equivalents against $15.7B in long-term debt.

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.

Yes, Chubb Limited (CB) paid $3.82 per share in dividends during fiscal year 2025.

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.

Chubb Limited (CB) generated $12.8B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Chubb Limited (CB) had $272.3B in total assets as of fiscal year 2025, including both current and long-term assets.

Yes, Chubb Limited (CB) spent $3.7B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Chubb Limited (CB) had 390M shares outstanding as of fiscal year 2025.

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.

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.

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.

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.

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.

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