NYSE$CB

Chubb Corp · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Chubb's first quarter performance was marked by record core operating income and underwriting results, driven by double-digit commercial premium growth and strong momentum in consumer businesses.

Chubb Limited reported a net income of $1.97 billion, or $4.59 per share, and core operating income of $1.64 billion, or $3.82 per share, for the quarter ended March 31, 2022. The P&C combined ratio was a record 84.3%.

  • Net income was $1.97 billion, compared to $2.30 billion in the prior year.
  • Core operating income was $1.64 billion, up from $1.14 billion in the prior year.
  • The P&C combined ratio was a record 84.3%, compared with 91.8% in the prior year.
  • Global P&C net premiums written increased by 8.8%, or 10.7% in constant dollars, driven by growth in commercial lines of 11.9% and consumer lines of 7.9%.

Headline financials

Total Revenue

$9.67B

Previous: $9.97B-3.0%
EPS (adj)

$3.83

Previous: $2.52+52.0%
P&C Combined Ratio

84.3%

Previous: 91.8%-8.2%
P&C Underwriting Income

$1.28B

No prior period
Free Cash Flow

$1.97B

Previous: $2.3B-14.2%
Net Income

$1.97B

Previous: $2.3B-14.2%
Operating Income

$2.39B

Previous: $2.69B-11.2%
Gross Profit

$2.93B

Previous: $3.01B-3.0%
Cash & Equivalents

$1.73B

Previous: $1.68B+3.0%
Total Assets

$198B

Previous: $192B+3.1%

Revenue & EPS history

Chubb · Revenue · Quarterly

$9.67B

Q1 2022-3%vs Q1 2021
Beat estimate in 10 of 16 quarters(63%)
ActualEstimate

Revenue by segment

Chubb · $8.95B total across 3 segments · Q1 2022

  • NA P&C
    $5.28B
  • Overseas General
    $3.08B
  • Life Insurance
    $586M

Forward guidance

Chubb expects investment income to increase given rising interest rates and widening spreads, and remains optimistic and confident in their ability to outperform.

Tailwinds

  • Record operating earnings and underwriting results
  • Double-digit commercial premium growth
  • Rate increases in excess of loss cost
  • Growing momentum in consumer businesses globally
  • Expect investment income to increase

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2022

Historical avgQ1 2022

+0.4%

Avg return

Earnings day

+0.6%

Avg return

5 days after

+2.2%

Avg return

30 days after

55%

40 / 73 earnings

Positive

+7.9%

Q4 2019

Best reaction

-7.3%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.7%-1.4%-0.4%
Q4 2025+5.1%+4.1%+4.7%
Q3 2025+2.7%+4.6%+10.8%
Q2 2025+1.0%+0.5%+2.7%
Q1 2025-2.2%-2.8%-1.5%
Q4 2024+1.3%+0.6%+4.9%
Q3 2024-2.2%-4.3%+0.1%
Q2 2024-0.8%+3.1%+4.1%
Q1 2024-3.4%-2.4%+4.6%
Q4 2023+0.9%+1.6%+3.7%
Q3 2023+4.4%+1.0%+9.8%
Q2 2023+2.7%+2.7%+0.3%
Q1 2023-1.1%+0.5%-5.0%
Q4 2022-5.6%-7.2%-7.8%
Q3 2022+0.4%+5.5%+5.3%
Q2 2022-0.1%+0.8%+5.5%
Q1 2022+1.6%-0.4%+0.2%
Q4 2021+5.2%+4.7%+4.4%
Q3 2021+1.2%+3.9%+1.2%
Q2 2021-1.3%+0.4%+9.6%
Q1 2021-1.2%+3.3%+2.0%
Q4 2020+4.9%+9.8%+12.1%
Q3 2020+1.1%+3.1%+21.1%
Q2 2020-0.3%-3.9%-3.5%
Q1 2020-7.3%-9.3%-1.4%
Q4 2019+7.9%+6.2%-5.4%
Q3 2019+3.5%+1.5%+2.6%
Q2 2019+2.6%+3.5%+5.0%
Q1 2019+0.4%+1.0%+1.5%
Q4 2018-3.0%-2.7%-0.9%
Q3 2018-1.7%-2.9%+4.1%
Q2 2018+1.3%+2.9%-0.5%
Q1 2018-0.7%-0.7%-3.5%
Q4 2017+1.3%-0.6%-9.3%
Q3 2017-0.9%-2.2%-3.4%
Q2 2017-2.0%-1.0%-2.8%
Q1 2017+1.6%+0.3%+4.4%
Q4 2016-2.5%-0.3%+5.1%
Q3 2016+3.9%+4.3%+3.6%
Q2 2016-0.6%-2.1%-1.5%
Q1 2016+3.6%
Q4 2015+0.1%
Q3 2015+3.7%
Q2 2015-0.1%
Q1 2015+0.6%
Q4 2014-1.2%
Q3 2014+1.0%
Q2 2014-0.9%
Q1 2014+0.1%
Q4 2013-0.2%
Q3 2013-0.2%
Q2 2013+0.5%
Q1 2013-0.7%
Q4 2012+2.0%
Q3 2012-0.5%
Q2 2012+1.7%
Q1 2012+1.4%
Q4 2011-0.7%
Q3 2011+0.3%
Q2 2011-5.5%
Q1 2011+0.8%
Q4 2010+1.0%
Q3 2010-2.7%
Q2 2010+0.9%
Q1 2010+1.8%
Q1 2009+1.8%
Q4 2007-0.7%
Q4 2009-0.7%
Q3 2008+2.0%
Q3 2009+2.0%
Q2 2008-1.3%
Q4 2008-1.3%
Q2 2009-1.3%

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