Loading...
•
Sep 30
Chubb Q3 2025 Earnings Report
Chubb reported strong third quarter 2025 results with significant increases in net income, core operating income, and record underwriting performance.
Key Takeaways
Chubb delivered an outstanding third quarter, achieving record net income per share of $6.99 and record core operating income per share of $7.49, driven by record underwriting and investment income. Consolidated net premiums written grew 7.5% to $14.9 billion, and the company reported a record P&C combined ratio of 81.8%.
Net income per share increased 22.6% to $6.99, and core operating income per share rose 30.9% to $7.49.
Consolidated net premiums written grew 7.5% to $14.866 billion, with P&C up 5.3% and Life Insurance up 24.6%.
P&C underwriting income surged 55.0% to a record $2.26 billion, achieving a record combined ratio of 81.8%.
Adjusted net investment income reached a record $1.78 billion, an increase of 8.3%.
Chubb
Chubb
Chubb Revenue by Segment
Chubb Revenue by Geographic Location
Revenue by Segment
North America P&C Insurance Revenue
CapyFin.comNA Commercial P&C Insurance Revenue
CapyFin.comNA Personal P&C Insurance Revenue
CapyFin.comNA Agricultural Insurance Revenue
CapyFin.comOverseas General Insurance Revenue
CapyFin.comLife Insurance Revenue
CapyFin.comGlobal Reinsurance Revenue
CapyFin.comRevenue by Geographic Location
North America P&C Revenue
CapyFin.comOverseas General Insurance Revenue
CapyFin.com Forward Guidance
Chubb is confident in maintaining superior earnings growth, including double-digit growth in EPS, book and tangible book value, with core operating ROE increasing to 14% plus over the medium term, despite potential impacts from catastrophes and foreign exchange fluctuations.
Positive Outlook
- Expects to maintain superior earnings growth.
- Anticipates double-digit growth in EPS.
- Projects double-digit growth in book value.
- Forecasts double-digit growth in tangible book value.
- Aims for core operating ROE to increase to 14% plus over the medium term.
Challenges Ahead
- Future results are subject to risks and uncertainties including competition and pricing trends.
- Unpredictable catastrophic events could impact actual loss experience.
- Uncertainties in the reserving or settlement process may affect financial outcomes.
- Judicial, legislative, regulatory, and other governmental developments pose potential risks.
- Economic, political, regulatory, insurance, and reinsurance business conditions could influence performance.