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Sep 30, 2025
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%.
Revenue by Segment
Revenue by Geographic Location
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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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