NYSE$CB

Chubb Corp · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Chubb reported Q3 2025 total revenues of $16.1B with net income attributable to Chubb of $2.80B ($6.99 per share).

Third-quarter total revenues were $16.15 billion, up 9% year over year. Net income attributable to Chubb was $2.80 billion; diluted EPS was $6.99. P&C underwriting income and investment income increased.

  • Q3 total revenues $16.15B (+9% YoY).
  • Net income attributable to Chubb $2.80B; diluted EPS $6.99.
  • P&C and life segment income grew double digits.
  • Catastrophe losses and reinvestment yields monitored.

Headline financials

Total Revenue

$16.1B

Previous: $14.8B+8.7%
EPS (adj)

$6.99

Previous: $5.70+22.6%
P&C Combined Ratio

81.8%

Previous: 87.7%-6.7%
P&C Underwriting Income

$2.26B

Previous: $1.46B+55.0%
CA Combined Ratio ex-CAT

82.5%

No prior period
CA Underwriting Income ex-CAT

$2.18B

No prior period
Life Segment Income

$324M

Previous: $284M+14.1%
Pre-Tax Investment Income

$1.65B

Previous: $1.51B+9.3%
Adjusted Investment Income

$1.78B

No prior period
Annualized ROE

15.9%

No prior period
Core Operating ROTE

24.5%

No prior period
Core Operating ROE

16.3%

Previous: 13.9%+17.3%
Operating Cash Flow

$3.64B

No prior period
Adjusted Operating Cash Flow

$4.51B

No prior period
Pre-Tax CAT Losses

$285M

Previous: $765M-62.7%
Favorable PPD

$361M

Previous: $244M+48.0%
Capital Expenditures

$0.00

Previous: $0.00
Free Cash Flow

$2.8B

Previous: $2.32B+20.5%
Net Income

$2.8B

Previous: $2.32B+20.5%
Operating Income

$3.73B

Previous: $2.83B+31.8%
Gross Profit

$4.9B

Previous: $3.69B+32.9%
Total Assets

$270B

Previous: $251B+7.8%

Revenue & EPS history

Chubb · Revenue · Quarterly

$16.1B

Q3 2025+8.7%vs Q3 2024
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

Revenue by segment

Chubb · $4.66B total across 2 segments · Q3 2023

  • Overseas General
    $3.21B+21.4%
  • Life Insurance
    $1.45B+14.1%

Forward guidance

Management discusses capital returns, operational priorities, and segment outlook; formal guidance varies by issuer.

Tailwinds

  • Dividend, buyback, or investment plans support shareholder returns.
  • Volume, pricing, or subscription trends cited for core businesses.
  • Balance sheet and cash flow support strategic capex.

Headwinds

  • Commodity prices, rates, or FX may affect near-term earnings.
  • Regulatory, competitive, or macro headwinds noted in MD&A.
  • One-time charges or impairments may affect GAAP comparability.

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 Q3 2025

Historical avgQ3 2025

+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%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro