Chubb LtdChubb Ltd
Chubb Ltd

Chubb Ltd

CB
Financials·Insurance

Chubb Ltd. operates as a holding company, which engages in the provision of commercial and personal property and casualty insurance, personal accident and accident and health (A&H), reinsurance, and life insurance. It operates through the following segments: North America Commercial Property and Casualty (P&C) Insurance, North America Personal P&C Insurance, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance, and Corporate. The North America Commercial P&C Insurance segment that includes the business written by Chubb divisions that provide P&C insurance and services to large, middle market and small commercial businesses in the U.S., Canada, and Bermuda. The North America Personal P&C Insurance segment offers affluent and high net worth individuals and families with homeowners, high value automobile and collector cars, valuable articles, personal and excess liability, travel insurance, and recreational marine insurance and services. The North America Agricultural Insurance segment is involved in comprehensive multiple peril crop insurance (MPCI) and crop-hail insurance, and Chubb agribusiness. The Overseas General Insurance segment caters for both commercial and consumer P&C insurance and services in countries and territories outside of North America where the company operates. The Global Reinsurance segment covers the reinsurance business. The Corporate segment focuses on the results of non-insurance companies, income, and expenses not attributable to reportable segments. The company was founded in 1882 and is headquartered in Zurich, Switzerland.

Switzerland
Market cap
No dataNo data
Revenue
$59.4B+6.5% YoY
Net income
$10.3B+11.2% YoY
Free cash flow
$12.8B−20.8% YoY

Market

Listed stock
Tokenized stocks
CBPriceNYSE
Loading…Loading…1Y

Financial performance

Revenue
$59.4B+6.5% YoY
Operating income
$13.1B+14.4% YoY
Net income
$10.3B+11.2% YoY
Free cash flow
$12.8B−20.8% YoY

Revenue, profit & cash trend

Revenue
Operating income
Net income
Free cash flow
Reference
Revenue: 2021 $41B, 2022 $43.2B, 2023 $49.7B, 2024 $55.8B, 2025 $59.4B. Operating income: 2021 $10B, 2022 $6.7B, 2023 $9.5B, 2024 $11.5B, 2025 $13.1B. Net income: 2021 $8.5B, 2022 $5.3B, 2023 $9B, 2024 $9.3B, 2025 $10.3B. Free cash flow: 2021 $11.1B, 2022 $11.2B, 2023 $12.6B, 2024 $16.2B, 2025 $12.8B. Reference line: Reference at $0.

Growth & profitability

Revenue growth
6.5%−556 bps YoY
Gross margin
No dataNo data
Operating margin
No dataNo data
FCF margin
No dataNo data

Earnings power over time

Operating income
Net income
Free cash flow
Operating income: 2021-12-31 $10B, 2022-12-31 $6.7B, 2023-12-31 $9.5B, 2024-12-31 $11.5B, 2025-12-31 $13.1B. Net income: 2021-12-31 $8.5B, 2022-12-31 $5.3B, 2023-12-31 $9B, 2024-12-31 $9.3B, 2025-12-31 $10.3B. Free cash flow: 2021-12-31 $11.1B, 2022-12-31 $11.2B, 2023-12-31 $12.6B, 2024-12-31 $16.2B, 2025-12-31 $12.8B

Growth heatmap

2022202320242025CAGR
Revenue
+5.4%
+15.2%
+12.1%
+6.5%
+9.7%
Gross profit
-5.1%
+24.4%
+16.5%
+10.0%
+10.9%
Operating income
-33.2%
+42.0%
+20.9%
+14.4%
+7.0%
Free cash flow
+0.8%
+12.4%
+28.1%
-20.8%
+3.5%

Earnings quality

Operating cash flow
$12.8B−20.8% YoY
Net income
$10.3B+11.2% YoY
Free cash flow
$12.8B−20.8% YoY
Diluted EPS
No dataNo data

Cash conversion quality

Operating cash flow
Free cash flow
Net income = 100%
Operating cash flow: 2025-12-31 124%, 2024-12-31 175%, 2023-12-31 140%, 2022-12-31 212%, 2021-12-31 131%. Free cash flow: 2025-12-31 124%, 2024-12-31 175%, 2023-12-31 140%, 2022-12-31 212%, 2021-12-31 131%. Reference line: Net income = 100% at 100%.

Per-share economics

Diluted EPS
Latest
No data
FCF / share
Latest
No data
Diluted shares
Latest
No data

Financial flexibility

Cash & equivalents
No dataNo data
Total debt
No dataNo data
Net debt
No dataNo data
Current ratio
No dataNo data

Cash Coverage of Debt

Cash / Total debt
No data

Returns

Return on equity
No dataNo data
Return on assets
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Return on invested capital
No dataNo data
Asset turnover
No dataNo data

Return on capital

No data

Valuation

Price to earnings
No dataNo data
Price to sales
No dataNo data
EV / EBITDA
No dataNo data
Free cash flow yield
No dataNo data

Valuation vs its own 5Y history

Metric
Own five-year range
Current
Own 5Y median
Position in own range
Price to earnings
No data
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Price to sales
No data
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EV / EBITDA
No data
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Free cash flow yield
No data
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