CB Chubb Limited

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Financials

· How we analyze

About the company

Chubb is a property and casualty insurer based in Zurich. The company insures businesses and wealthy individuals, offers accident, health and life insurance and operates in more than 50 countries. As of Oct 13, 2026

Fact sheet (from the annual report) Property and casualty insurance · Zurich, Switzerland

Chubb is a global insurance and reinsurance group based in Zurich, Switzerland. The group offers property and casualty insurance for businesses and individuals, accident and supplemental health coverage, reinsurance and life insurance. The segments cover the North American commercial, personal and agricultural business, the overseas business, reinsurance and the life business. Its offering includes specialty coverage, for example for aviation and energy, as well as personal policies for homes, cars and valuables. The Commercial Insurance division sells in North America through independent agents and brokers, and for small business customers also through digital platforms.

Automatically summarized from SEC annual report (10-K, filed Feb 27, 2026) (website of the US Securities and Exchange Commission) · reviewed Oct 15, 2026

Price performance at a glance

Last 30 trading days
  • Today +0.5%
  • 7 days +0.1%
  • 30 days +7.0%
  • 1 year +26.5%
Day range (last trading day)
−0.2%Price at 20% of the range+0.9%
52-week range
−23.4%Price at 90% of the range+2.6%
Distance from the all-time high
−2.5%

Our own calculation from the exchange’s daily candles, as of Oct 26, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.

52-week-high breakout · Analysis method

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What does the pattern show?

What is this? The price closes above the highest high of the last 52 weeks for the first time, on clearly higher volume. New 52-week highs are seen as a sign of strength.

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Symbol on TradingView: NYSE:CB

Fundamental analysis

Chubb Limited · Sector Financials · amounts in USD

Information only – does not affect the other analysis methods, not investment advice. Source: SEC filings, As of Feb 27, 2026.

Quality checks

Four angles on the annual figures. Each check counts how many disclosed criteria are met – criteria without data do not count. The bars show where the company ranks on each figure among the stocks we cover and within its sector.

Fiscal year to Dec 31, 2025

Quality Profitability, consistency, balance sheet · 4 without data 2 of 4 criteria met Growth Revenue and earnings per share 7 of 7 criteria met Dividend Level, consistency, coverage · 6 without data 0 of 1 criteria met Financial strength Piotroski, debt, liquidity · 3 without data 3 of 3 criteria met

Quality 2 of 4 met · 4 without data

  • no data: Gross margin above 40% not stated in the SEC filings
  • no data: Operating margin above 15% not stated in the SEC filings
  • met: Net margin above 10% 17.4%
  • not met: Return on equity above 15% 14.0%
  • no data: Free cash flow margin above 10% not stated in the SEC filings
  • met: Profit in each of the last 5 fiscal years 5 of 5
  • no data: Free cash flow positive in each of the last 3 fiscal years not stated in the SEC filings
  • not met: Equity ratio above 30% 27.1%
Net margin

17.4% Fiscal year 2025

No rank: too few peers or not computed yet.

Profit after all costs, interest and taxes divided by revenue.

Return on equity

14.0% Fiscal year 2025

No rank: too few peers or not computed yet.

Net income divided by equity at fiscal year end.

Return on assets

3.8% Fiscal year 2025 (total assets at year end)

No rank: too few peers or not computed yet.

Net income divided by total assets at fiscal year end.

Equity ratio

27.1% Fiscal year 2025

No rank: too few peers or not computed yet.

Equity as a share of total assets. Usually low for banks.

Growth 7 of 7 met

  • met: Over 3 years, revenue grew by more than 5% per year +11.2%
  • met: Over 5 years, revenue grew by more than 5% per year +10.5%
  • met: Over 10 years, revenue grew by more than 5% per year +12.1%
  • met: Over 3 years, EPS grew by more than 5% per year +27.0%
  • met: Over 5 years, EPS grew by more than 5% per year +26.9%
  • met: Revenue rose in at least 4 of the last 5 fiscal years 5 of 5
  • met: Revenue rose in the last fiscal year +6.5%
Revenue growth 3 years

+11.2% per year

No rank: too few peers or not computed yet.

Average growth per year over 3 fiscal years.

Revenue growth 5 years

+10.5% per year

No rank: too few peers or not computed yet.

Average growth per year over 5 fiscal years.

Revenue growth 10 years

+12.1% per year

No rank: too few peers or not computed yet.

Average growth per year over 10 fiscal years.

EPS growth 3 years

+27.0% per year

No rank: too few peers or not computed yet.

Growth of earnings per share per year, adjusted for stock splits.

EPS growth 5 years

+26.9% per year

No rank: too few peers or not computed yet.

Growth of earnings per share per year, adjusted for stock splits.

EPS growth 10 years

+11.5% per year

No rank: too few peers or not computed yet.

Growth of earnings per share per year, adjusted for stock splits.

Dividend 0 of 1 met · 6 without data

  • not met: Pays a dividend no dividend per share reported for the last fiscal year
  • no data: Payout ratio at most 60% of earnings pays no dividend
  • no data: Dividend paid in each of the last 5 fiscal years pays no dividend
  • no data: Dividend per share never lowered in the last 5 fiscal years pays no dividend
  • no data: Dividend per share higher than 5 years ago pays no dividend
  • no data: Free cash flow per share covers the dividend pays no dividend
  • no data: Dividends paid over the last 5 years covered by free cash flow pays no dividend

Financial strength 3 of 3 met · 3 without data

  • no data: Piotroski F-Score at least 7 of 9 not meaningful for banks and insurers
  • met: Long-term debt no higher than equity 0.21
  • no data: Current assets cover current liabilities not reported (usual for banks and insurers)
  • met: Positive equity 73.8B USD
  • met: In 5 years, share count up by at most 5% −11.5%
  • no data: Free cash flow positive in the last fiscal year capital expenditure or operating cash flow not reported
Debt / equity

0.21 at fiscal year end

No rank: too few peers or not computed yet.

Long-term financial debt divided by equity.

Change in share count

−11.5% in 5 years

No rank: too few peers or not computed yet.

Change in diluted share count. Negative = share buybacks, positive = new shares.

Banks and insurers usually do not report gross margin, current assets or capital expenditure – those criteria then do not count. Debt is part of their business.

Price-based criteria (P/E, dividend yield) are shown to signed-in users.

Computed automatically from SEC annual reports – not investment advice. Describes the reported figures; points are not a rating of the stock.

In short

  • Light green: Revenue grew over 5 years (+10.5% per year), at least as fast as the sector median.
  • Light green: Net income (total) grew over 5 years (+23.9% per year), at least as fast as the sector median; per share +26.9% per year.
  • Light yellow: Net margin 17.4%, below the sector median (19.4%).
  • Light green: Debt not higher than usual in the sector.
  • Light green: Profit in each of the last 10 fiscal years.

Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.

RevenueNet income Net margin (below) in USD
  1. Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Revenue 31.5B USD · Net income 4.1B USD · Net margin 13.1%
  2. Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Revenue 32.2B USD · Net income 3.9B USD · Net margin 12.0%
  3. Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Revenue 32.7B USD · Net income 4.0B USD · Net margin 12.1%
  4. Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Revenue 34.2B USD · Net income 4.5B USD · Net margin 13.0%
  5. Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Revenue 36.0B USD · Net income 3.5B USD · Net margin 9.8%
  6. Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Revenue 41.0B USD · Net income 8.5B USD · Net margin 20.8%
  7. Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Revenue 43.2B USD · Net income 5.3B USD · Net margin 12.3%
  8. Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Revenue 49.7B USD · Net income 9.0B USD · Net margin 18.2%
  9. Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Revenue 55.8B USD · Net income 9.3B USD · Net margin 16.6%
  10. Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 59.4B USD · Net income 10.3B USD · Net margin 17.4%

Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 59.4B USD · Net income 10.3B USD · Net margin 17.4%

Figures over time

Where the money of a fiscal year goes and how margins, returns, balance sheet, cash flow and share count developed over up to 10 years. Each chart has one sentence saying what the trend shows.

Money flow in fiscal year 2025

Of 100 USD of revenue, 17.4 USD net income remained.

Money flow as a table
Fiscal year 2025, amounts in USD, share of revenue
ItemAmountof revenue
Revenue59.4B USD100.0%
Net income10.3B USD17.4%
Costs, taxes & other49.1B USD82.6%

Taxes, interest and other items are not available separately in the SEC data; they are combined as the difference.

Margins

The net margin rose in 5 years from 9.8% to 17.4%.

Net margin
  1. Fiscal year 2016: Net margin 13.1%
  2. Fiscal year 2017: Net margin 12.0%
  3. Fiscal year 2018: Net margin 12.1%
  4. Fiscal year 2019: Net margin 13.0%
  5. Fiscal year 2020: Net margin 9.8%
  6. Fiscal year 2021: Net margin 20.8%
  7. Fiscal year 2022: Net margin 12.3%
  8. Fiscal year 2023: Net margin 18.2%
  9. Fiscal year 2024: Net margin 16.6%
  10. Fiscal year 2025: Net margin 17.4%

Returns

Return on equity rose in 5 years from 5.9% to 14.0%.

Return on equityReturn on assets
  1. Fiscal year 2016: Return on equity 8.6% · Return on assets 2.6%
  2. Fiscal year 2017: Return on equity 7.5% · Return on assets 2.3%
  3. Fiscal year 2018: Return on equity 7.9% · Return on assets 2.4%
  4. Fiscal year 2019: Return on equity 8.0% · Return on assets 2.5%
  5. Fiscal year 2020: Return on equity 5.9% · Return on assets 1.9%
  6. Fiscal year 2021: Return on equity 14.3% · Return on assets 4.3%
  7. Fiscal year 2022: Return on equity 10.5% · Return on assets 2.7%
  8. Fiscal year 2023: Return on equity 15.2% · Return on assets 3.9%
  9. Fiscal year 2024: Return on equity 14.5% · Return on assets 3.8%
  10. Fiscal year 2025: Return on equity 14.0% · Return on assets 3.8%

Equity and long-term debt

The equity ratio fell in 5 years from 31.2% to 27.1%.

EquityLong-term debt in USD Long-term debt, depending on the filing, includes the current portion or leases.
  1. Fiscal year 2016: Equity 48.3B USD · Long-term debt 12.6B USD
  2. Fiscal year 2017: Equity 51.2B USD · Long-term debt 11.6B USD
  3. Fiscal year 2018: Equity 50.3B USD · Long-term debt 12.1B USD
  4. Fiscal year 2019: Equity 55.3B USD · Long-term debt 13.6B USD
  5. Fiscal year 2020: Equity 59.4B USD · Long-term debt 14.9B USD
  6. Fiscal year 2021: Equity 59.7B USD · Long-term debt 15.2B USD
  7. Fiscal year 2022: Equity 50.5B USD · Long-term debt 14.4B USD
  8. Fiscal year 2023: Equity 59.5B USD · Long-term debt 13.0B USD
  9. Fiscal year 2024: Equity 64.0B USD · Long-term debt 14.4B USD
  10. Fiscal year 2025: Equity 73.8B USD · Long-term debt 15.7B USD

Share count

The share count fell in 5 years by 11.5% (mostly through share repurchases).

Diluted share count
  1. Fiscal year 2016: Diluted share count 465.9M
  2. Fiscal year 2017: Diluted share count 471.2M
  3. Fiscal year 2018: Diluted share count 466.8M
  4. Fiscal year 2019: Diluted share count 458.9M
  5. Fiscal year 2020: Diluted share count 453.4M
  6. Fiscal year 2021: Diluted share count 443.2M
  7. Fiscal year 2022: Diluted share count 423.5M
  8. Fiscal year 2023: Diluted share count 414.2M
  9. Fiscal year 2024: Diluted share count 408.5M
  10. Fiscal year 2025: Diluted share count 401.5M

Banks and insurers: gross margin, current assets and capital expenditure are usually not reported and cash flow is not meaningful there – those lines and charts are omitted.

From annual reports filed with the SEC (10-K, 20-F, 40-F) as first reported, share count adjusted for splits; obvious filing errors (e.g. wrong unit, outliers against both neighbouring years) are hidden. Describes the reported figures – not investment advice.

Dividends and share repurchases

How much the company returns to its shareholders – as dividends or by repurchasing its own shares – and whether free cash flow supports it.

Dividend per share
none pays no dividend
Share count over 5 years
−11.5% fewer shares – each share is a larger stake

For banks and insurers free cash flow is not meaningful; ratios to free cash flow are usually omitted.

Dividends paid, repurchases and new shares issued from the cash flow statement of annual reports filed with the SEC (as first reported). Describes the reported figures – not investment advice.

Valuation over time

Price-based valuation (P/E, P/S, price/free cash flow and dividend yield per fiscal year, compared with its own average) for signed-in users.

Key figures with traffic lights

Each light follows a simple, disclosed rule. The comparison is with the sector median of all 79 symbols in the Financials sector on our list (current members of the S&P 500 and other lists).

Revenue growth

Light green: above sector

+10.5% per year, last 5 years

Sector Financials: median +8.8% (73 symbols)

What does this mean? Revenue: over 5 years it grew by 10.5% per year on average – at least as fast as the median company in the sector (+8.8%).

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net income (total)

Light green: above sector

+23.9% per year, last 5 years

Sector Financials: median +13.8% (71 symbols)

per share: +26.9% per year (5 years, split-adjusted)

What does this mean? Total net income: over 5 years it grew by 23.9% per year on average – at least as fast as the median company in the sector (+13.8%).

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net margin

Light yellow: below sector

17.4% last fiscal year

Sector Financials: median 19.4% (75 symbols)

What does this mean? Of every 100 USD in revenue, 17.36 USD remained as profit – less than the median company in the sector (19.4%). Five years ago the margin was 9.8%.

Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.

Debt / equity

Light green: lower than sector

0.22 latest balance sheet

Sector Financials: median 0.63 (47 symbols)

What does this mean? For every 1 USD of equity there is 0.22 USD of financial debt – no more than the median company in the sector (0.63). For banks and insurers, debt is part of the business – so the comparison is only with their own sector.

Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.

Payout ratio

Light gray: none found

– Dividend / earnings per share

Sector Financials: median 34% (58 symbols)

What does this mean? The loaded SEC filings of the last two fiscal years contain no dividend per share. Either the company pays none, or it reports it under a different tag.

Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.

Profitable years

Light green: profit every year

10 of 10 fiscal years with a profit

What does this mean? In 10 of the last 10 fiscal years the bottom line showed a profit. There were no losses in this period.

Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).

Last fiscal year and 13F

Information, not a trading signal · Source: SEC EDGAR
Revenue (FY)
59.4B USD
Revenue vs. prior year
+6.5%
Net income (FY)
10.3B USD
Net income vs. prior year
+11.2%
EPS (FY)
25.68 USD
13F funds with a position
3 of 9
Funds vs. prior quarter
+1
Shares held vs. prior quarter
+0.2%
Fiscal year to Dec 31, 2025 · 10-K filed Feb 27, 2026 · Balance sheet Mar 31, 2026 (filed Apr 28, 2026) · Price-based figures (P/E, P/S, dividend yield, market cap) only when logged in. · Values as first reported; debt = reported financial debt (US GAAP: long-term). 13F: reporting date Jun 30, 2026, 9 tracked funds have filed (latest Aug 14, 2026), filed with up to 45 days of delay. Stock positions only; comparison with Mar 31, 2026 only across funds that filed for both quarters.
All figures as a table
Fiscal years (amounts in USD, per share in USD)
YearEndRevenueNet income MarginEarnings per shareDividend per sharePayout
2025Dec 31, 2025 59.4B10.3B 17.4% 25.68 – –
2024Dec 31, 2024 55.8B9.3B 16.6% 22.70 – –
2023Dec 31, 2023 49.7B9.0B 18.2% 21.80 – –
2022Dec 31, 2022 43.2B5.3B 12.3% 12.55 – –
2021Dec 31, 2021 41.0B8.5B 20.8% 19.27 – –
2020Dec 31, 2020 36.0B3.5B 9.8% 7.79 – –
2019Dec 31, 2019 34.2B4.5B 13.0% 9.71 – –
2018Dec 31, 2018 32.7B4.0B 12.1% 8.49 – –
2017Dec 31, 2017 32.2B3.9B 12.0% 8.19 – –
2016Dec 31, 2016 31.5B4.1B 13.1% 8.87 – –
Quarters (amounts in USD, per share in USD)
QuarterEndRevenueNet income MarginEarnings per shareDividend per sharePayout
Q1/26Mar 31, 2026 14.8B2.3B 15.7% 5.88 – –
Q4/25*Dec 31, 2025 15.1B3.2B 21.3% – – –
Q3/25Sep 30, 2025 16.1B2.8B 17.3% 6.99 – –
Q2/25Jun 30, 2025 14.8B3.0B 20.0% 7.35 – –
Q1/25Mar 31, 2025 13.4B1.3B 10.0% 3.29 – –
Q4/24*Dec 31, 2024 14.2B2.6B 18.2% – – –
Q3/24Sep 30, 2024 14.8B2.3B 15.7% 5.70 – –
Q2/24Jun 30, 2024 13.8B2.2B 16.1% 5.46 – –
Q1/24Mar 31, 2024 12.9B2.1B 16.6% 5.23 – –
Q4/23*Dec 31, 2023 13.0B3.3B 25.4% – – –
Q3/23Sep 30, 2023 13.9B2.0B 14.7% 4.95 – –
Q2/23Jun 30, 2023 11.8B1.8B 15.2% 4.32 – –

* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.

How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.

Insiders

All insider transactions
Insider purchases and sales on the market over 3, 6 and 12 months
PeriodPurchasesSalesNet
3 months $00 people $5.0M2 people −$5.0M
6 months $00 people $13.8M5 people −$13.8M
12 months $00 people $48.9M11 people −$48.9M

Latest transactions

  • Aug 21, 2026 Connors Michael P Director Open-market sale 5,500 shares · $1.9M · SEC
  • Jul 28, 2026 Wayland Joseph F Officer Open-market sale 8,502 shares · $3.1M · SEC
  • Jun 8, 2026 Ortega Juan Luis Officer Open-market sale 3,886 shares · $1.3M · SEC
  • May 27, 2026 Keogh John W Officer Open-market sale 2,824 shares · $909.2K · SEC
  • May 27, 2026 Keogh John W Officer Open-market sale 20,176 shares · $6.5M · SEC
  • May 21, 2026 Atieh Michael G Director Open-market sale 578 shares · $190.5K · SEC

Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.

Trend score +40

Price vs. EMA 50+15
Price vs. EMA 200+15
EMA 50 vs. EMA 200+20
ADX (trend strength)+15
Highs and lows-10
Relative strength-15

Volatility and trend strength

ADX 14 (trend strength)28.2
Rel. strength 60 d−0.7%

ATR and moving averages as price values only when logged in.

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