CBChubb Limited
Chubb Limited is the Swiss-incorporated holding company of the Chubb Group of Companies. 10-K, Item 1
- Employees
- 45,000
- Headquarters
- Zurich, V8
- CEO
- Evan G. Greenberg
- Next results
- around Feb 2, 2027
All key numbers (34) From EDGAR
| EPS (ttm) | 28.53 | Sales (ttm) | 61.8B | Net income (ttm) | 11.2B | Sales growth | +6.5% | EPS growth | +13.1% | Sales Q/Q | +0.3% |
| Free cash flow | - | Gross margin | - | Oper. margin | - | Net margin | 18.2% | FCF margin | - | ROE | 15.3% |
| ROA | 4.0% | R&D / sales | - | Dividend | 3.82 | Debt/Eq | 0.25 | Curr. ratio | - | Cash | 3.0B |
| Op. cash flow (ttm) | 17.8B | Net debt | 15.6B | Payout ratio | 14.9% | Tax rate | 18.6% | Shares out. | 382.1M | Shares Y/Y | -1.7% |
| Book / share | 191.65 | Cash / share | 7.88 | Sales / share | 161.87 | Asset turnover | 0.22 | Sales 3Y CAGR | +11.3% | Sales 5Y CAGR | +10.5% |
| EPS 3Y CAGR | +27.5% | EPS 5Y CAGR | +26.9% | Employees | 45,000 | Sales / employee | 1.4M |
Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.
Changes in the numbers
FY2025 against FY2024-
Revenue growth slowed to +6.5%+12.1% → +6.5% · Revenue FY2025 / revenue FY2024 − 1, against the same a year earlier · 10-K ↗
CB against Financials peers
Ten years, side by side → · All 76 →Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How
Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.
| Company | Revenue (ttm) | Sales growth | Gross margin | Net margin | ROE | FCF margin | Debt / equity |
|---|---|---|---|---|---|---|---|
| CB Chubb Limited | $61.8B | +6.5% | - | 18.2% | 15.3% | - | 0.25 |
| ALL Allstate | $70.2B | +5.6% | - | 16.6% | 36.0% | 18.1% | 0.23 |
| GS Goldman Sachs | $69.7B | +8.9% | - | 31.8% | 17.7% | -57.4% | 3.56 |
| COF Capital One | $63.0B | +36.6% | - | 17.2% | 9.9% | 41.7% | 0.45 |
| PRU Prudential Financial | $61.3B | -13.7% | - | 6.3% | 13.1% | - | 0.70 |
| TRV Travelers Companies | $48.9B | +5.2% | - | 17.0% | 28.7% | - | 0.34 |
Profitability
2 of 3- !Net margin below the peer median18.2% vs 20.4%
- ✓Return on equity above 15%15.3%
- ✓A profit in every one of 10 years
Cash and shareholders
2 of 2- ✓Share count down over 5 years−11.5%
- ✓Dividend per share up over 3 years$3.29 → $3.82
Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.
What the debt is made of, and when it is due
balance sheet of Sep 30, 2026The debt note's own lines, 2025-12-31
Fixed rate $0Floating $563.0M Not stated $19.3B
| Line, as the company names it | Kind | Rate | Fixed or floating | Amount |
|---|---|---|---|---|
| INA Senior Notes Due March 2034 (Senior Notes) | Notes and bonds | 5.00% | not stated | $1.6B |
| INA Senior Notes Due May 2026 (Senior Notes) | Notes and bonds | 3.35% | not stated | $1.5B |
| INA Senior Notes Due May 2026 (Senior Notes) | Notes and bonds | 3.35% | not stated | $1.5B |
| INA Senior Notes Due November 2045 (Senior Notes) | Notes and bonds | 4.35% | not stated | $1.5B |
| INA Senior Notes Due August 2035 (Senior Notes) | Notes and bonds | 4.90% | not stated | $1.2B |
| INA Senior Notes Due March 2028 (Senior Notes) | Notes and bonds | 1.55% | not stated | $1.1B |
| INA Senior Notes Due March 2038 (Senior Notes) | Notes and bonds | 2.50% | not stated | $1.0B |
| INA Senior Notes Due September 2030 (Senior Notes) | Notes and bonds | 1.38% | not stated | $996.0M |
| INA Senior Notes Due December 2061 (Senior Notes) | Notes and bonds | 3.05% | not stated | $985.0M |
| INA Senior Notes Due May 2037 (Senior Notes) | Notes and bonds | 6.00% | not stated | $900.0M |
| INA Senior Notes Due December 2029 (Senior Notes) | Notes and bonds | 0.88% | not stated | $816.0M |
| INA Senior Notes Due March 2025 (Senior Notes) | Notes and bonds | 3.15% | not stated | $800.0M |
| INA Senior Notes Due May 2038 (Senior Notes) | Notes and bonds | 6.50% | not stated | $702.0M |
| INA Senior Notes Due August 2029 (Senior Notes) | Notes and bonds | 4.65% | not stated | $696.0M |
| INA Senior Notes Due June 2027 (Senior Notes) | Notes and bonds | 0.88% | not stated | $671.0M |
| INA Senior Notes Due June 2031 (Senior Notes) | Notes and bonds | 1.40% | not stated | $669.0M |
| INA Senior Notes Due December 2051 (Senior Notes) | Notes and bonds | 2.85% | not stated | $594.0M |
| INA Senior Notes Due March 2043 (Senior Notes) | Notes and bonds | 4.15% | not stated | $471.0M |
| Chubb INA Capital Securities Due 2030 (Trust Preferred Securities Subject To Mandatory Redemption) | – | 9.70% | not stated | $309.0M |
| INA CNH Term Loan Due July 2028 (Loans) | Bank loans | 2.75% | floating | $304.0M |
| INA Senior Notes Due May 2036 (Senior Notes) | Notes and bonds | 6.70% | not stated | $298.0M |
| INA CNY Bond Due 2055 (Senior Notes) | Notes and bonds | 3.05% | not stated | $281.0M |
| INA CNH Term Loan Due April 2028 (Loans) | Bank loans | 2.85% | floating | $259.0M |
| INA Senior Notes Due November 2031 (Unsecured Debt) | Secured | 6.80% | not stated | $223.0M |
| INA CNY Bond Due 2035 (Senior Notes) | Notes and bonds | 2.75% | not stated | $211.0M |
| INA CNY Bond Due 2030 (Senior Notes) | Notes and bonds | 2.50% | not stated | $140.0M |
| INA Senior Notes Due August 2029 (Unsecured Debt) | Secured | 8.88% | not stated | $100.0M |
All 27 lines
From the debt note in the 10-K's XBRL (0000896159-26-000005), as the company tags it: by issue, by year, by currency or by kind. Lines from two ways of cutting the same debt can overlap, so they are not added up. Fixed or floating is read from the line's own name only; "not stated" when it says neither.
Left: the debt lines on the balance sheet (XBRL). Right: the principal due each year, from the debt note's maturity schedule; it can differ a little from the balance sheet, which shows the debt net of discounts and fees. Leases are not counted. The full schedule →
Revenue and net income, FY2016 to FY2025
Revenue 59.4B Net income 10.3BFrom XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →
CB's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.
Income statement
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 31.5B | 32.2B | 32.7B | 34.2B | 36.0B | 40.9B | 43.1B | 49.7B | 55.8B | 59.4B |
| SG&A | 3.1B | 2.8B | 2.9B | 3.0B | 3.0B | 3.1B | 3.4B | 4.0B | 4.4B | 4.5B |
| Interest expense | 605.0M | 607.0M | 641.0M | 552.0M | 516.0M | 492.0M | 570.0M | 672.0M | 741.0M | 764.0M |
| Pretax income | 5.0B | 3.7B | 4.7B | 5.2B | 4.2B | 9.8B | 6.5B | 9.5B | 11.5B | 13.0B |
| Income tax | 815.0M | -139.0M | 695.0M | 795.0M | 629.0M | 1.3B | 1.2B | 511.0M | 1.8B | 2.4B |
| Net income | 4.1B | 3.9B | 4.0B | 4.5B | 3.5B | 8.5B | 5.2B | 9.0B | 9.3B | 10.3B |
| EPS (diluted) | 8.87 | 8.19 | 8.49 | 9.71 | 7.79 | 19.24 | 12.39 | 21.80 | 22.70 | 25.68 |
| Diluted shares | 465.9M | 471.2M | 466.8M | 458.9M | 453.4M | 443.2M | 423.5M | 414.2M | 408.5M | 401.5M |
| Net margin | 13.1% | 12.0% | 12.1% | 13.0% | 9.8% | 20.9% | 12.2% | 18.2% | 16.6% | 17.4% |
| Revenue growth | - | +2.5% | +1.5% | +4.5% | +5.3% | +13.5% | +5.5% | +15.4% | +12.1% | +6.5% |
| EPS growth | - | -7.7% | +3.7% | +14.4% | -19.8% | +147% | -35.6% | +75.9% | +4.1% | +13.1% |
Balance sheet
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash | 985.0M | 728.0M | 1.2B | 1.5B | 1.7B | 1.7B | 2.0B | 2.6B | 2.5B | 2.5B |
| Short-term investments | 3.0B | 3.6B | 3.0B | - | - | - | - | - | - | - |
| Property & equipment | 1.2B | 1.3B | 1.7B | 1.9B | 2.0B | 2.0B | 2.4B | 2.9B | 3.1B | 3.5B |
| Goodwill | 15.3B | 15.5B | 15.3B | 15.3B | 15.4B | 15.2B | 16.2B | 19.7B | 19.6B | 20.2B |
| Total assets | 159.8B | 167.0B | 167.8B | 176.9B | 190.8B | 200.1B | 199.0B | 230.7B | 246.5B | 272.3B |
| Total debt | 13.1B | 12.6B | 12.6B | 14.9B | 14.9B | 16.2B | 14.9B | 14.5B | 15.2B | 17.2B |
| Total liabilities | 111.5B | 115.8B | 117.5B | 121.6B | 131.3B | 140.3B | 148.5B | 167.0B | 178.2B | 192.5B |
| Shareholders' equity | 48.3B | 51.2B | 50.3B | 55.3B | 59.4B | 58.3B | 50.5B | 59.5B | 64.0B | 73.8B |
| Retained earnings | 23.6B | 27.5B | 31.7B | 36.1B | 39.3B | 47.4B | 48.3B | 54.8B | 61.6B | 70.0B |
Cash flow
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 5.3B | 4.5B | 5.5B | 6.3B | 9.8B | 11.2B | 11.3B | 12.6B | 16.2B | 12.8B |
| Dividends paid | 1.2B | 1.3B | 1.3B | 1.4B | 1.4B | 1.4B | 1.4B | 1.4B | 1.4B | 1.5B |
| Buybacks | - | 801.0M | 1.0B | 1.5B | 523.0M | 4.9B | 2.9B | 2.4B | 1.8B | 3.7B |
| Acquisitions | 14.2B | 0 | 0 | 29.0M | 0 | 1.2B | 5.2B | 34.0M | 538.0M | 289.0M |
| Debt raised | - | 0 | 2.2B | 2.8B | 988.0M | 1.6B | 0 | 0 | 2.4B | 2.4B |
| Debt repaid | 0 | 501.0M | 2.0B | 510.0M | 1.3B | 0 | 1.0B | 475.0M | 1.4B | 800.0M |
| Investing cash flow | -5.3B | -2.4B | -2.9B | -5.9B | -7.5B | -6.7B | -5.7B | -7.6B | -13.9B | -11.3B |
| Financing cash flow | -742.0M | -2.3B | -2.0B | -151.0M | -2.1B | -4.4B | -5.1B | -4.5B | -2.2B | -1.9B |
| Dividend per share | - | - | - | - | - | - | 3.29 | 3.41 | 3.59 | 3.82 |
Stock-based pay and leases
From EDGARFrom SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.
Work on CB in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
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