Chubb Reports Strong Q4 Earnings, Exceeding Expectations
Chubb Ltd (CB) reached a 52-week high, rising 3.07% in regular trading.
The company reported Q4 2025 operating EPS of $7.52, exceeding the analyst estimate of $6.78, and showcasing a record property and casualty underwriting income of $6.53 billion, reflecting robust market performance. Additionally, total pre-tax catastrophe losses decreased significantly, demonstrating effective risk management strategies.
This strong earnings performance not only highlights Chubb's sustained profitability improvements but also reinforces its leadership position in the insurance sector, potentially attracting more investor interest.
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- Insurance Stocks Performance: Insurance stocks are showing strong performance, achieving steady gains amidst market volatility.
- Sector Resilience: This group within the financial sector is demonstrating its strength and resilience compared to the broader market.
Share Sale Announcement: Chubb Ltd. officer Timothy Alan Borroughs plans to sell 27,817 shares of its common stock on February 6, with a total market value of approximately $9.23 million.
Reduction in Shareholding: Borroughs has reduced his shareholding in Chubb Ltd. by 11,430 shares since November 24, 2025, with a total value of around $3.39 million.
- Potential for Tariff Refunds: Should the Supreme Court rule that Trump's International Emergency Economic Powers Act (IEEPA) tariffs are illegal, U.S. companies could receive billions in tariff refunds and insurance payouts, significantly improving their cash flow and financial health.
- Surge in Customs Bonds: As tariffs have risen from 10% to over 25%, importers are now facing customs bond amounts ranging from the regulatory minimum of $50,000 to $450 million, with some clients experiencing increases of up to 550%, putting pressure on their liquidity positions.
- Increased Insurer Profits: Insurers are benefiting from higher premium collections due to the rising customs bond amounts, with the number of insufficiency notices issued to importers quadrupling since 2017, highlighting the volatility and complexity of the current market environment.
- Future Uncertainty: If the Supreme Court rules the IEEPA tariffs illegal, while this may pose revenue challenges for insurers, the potential for freer trade and reduced uncertainty could yield positive economic outcomes, although the refund process may take time.
- Stock Sale Announcement: Chubb Ltd. officer Evan Greenberg plans to sell 15,060 shares of the company's common stock on February 5.
- Market Value: The total market value of the shares to be sold is approximately $5 million.
- Core Operating Income Growth: Chubb Limited reported nearly $3 billion in core operating income for Q4 2025, translating to $7.52 per share, marking increases of approximately 22% and 25%, respectively, which underscores the company's resilience and profitability across its diversified business segments.
- Strong Premium Revenue: The company achieved over 7.5% growth in property and casualty (P&C) premium revenue this quarter, with consumer business up nearly 12% and agriculture business soaring over 45%, indicating a reinforced leadership position in the U.S. crop insurance market.
- Increase in Invested Assets: Chubb's invested assets rose to $169 billion from $151 billion a year ago, with total cash and invested assets exceeding $171 billion, reflecting the company's robust financial health and ongoing capital return capabilities.
- Optimistic Future Outlook: Management expressed confidence in achieving strong growth in operating earnings and double-digit EPS growth for 2026, with adjusted net investment income expected to range between $1.81 billion and $1.84 billion in Q1, highlighting strategic investments and risk management initiatives.
- Strong Earnings Performance: Chubb reported Q4 2025 operating EPS of $7.52, exceeding the analyst estimate of $6.78, and rising from $7.49 in Q3 and $6.02 a year earlier, indicating sustained profitability improvements.
- Record P&C Underwriting Income: The property and casualty underwriting income reached a record $6.53 billion in Q4, up from $2.26 billion in Q3 and reflecting an 11.6% year-over-year growth, showcasing the company's robust market performance and expanding market share.
- Significant Reduction in Catastrophe Losses: Total pre-tax catastrophe losses were $265 million, down from $285 million in Q3 and $607 million in Q4 2024, demonstrating the effectiveness of the company's risk management strategies.
- Steady Growth in Investment Income: Adjusted net investment income rose to $1.81 billion from $1.78 billion in Q3, marking a 7.3% year-over-year increase, which enhances the company's financial stability through effective portfolio management.










