What is Chubb Limited's earnings per share (EPS)?

Chubb Limited (CB) reported diluted earnings per share of $25.68 for fiscal year 2025. This represents a 13.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Chubb Limited Financials

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Chubb Limited (CB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CB FY2025 2026-04-28

Chubb’s earnings engine is being driven by a growing balance sheet and contained overhead, not heavier debt.

From FY2023 to FY2025, revenue and net income kept rising, but operating cash flow lost momentum, falling from $16.2B in FY2024 to $12.8B in FY2025. Because profit still finished at $10.3B, the tension is less about absent earnings than about more cash staying embedded in the balance sheet during growth.

Overhead has scaled better than the top line: SG&A rose from $4.0B in FY2023 to $4.5B in FY2025, a slower climb than revenue over the same stretch. That cost shape helped keep asset efficiency roughly steady, with return on assets near 3.8% despite a much larger asset base.

Capital growth has come more from retained earnings than from added leverage: equity reached $73.8B in FY2025 while debt-to-equity eased to 0.2x. That balance-sheet posture suggests expansion was financed mainly by accumulated profits, so liabilities are large in absolute dollars without becoming more debt-heavy over time.

Financial Health Signals

Financial Profile 32/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Chubb Limited's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Chubb Limited's revenue grew 6.5% year-over-year to $59.4B, a solid pace of expansion. This earns a growth score of 49/100.

Leverage

Chubb Limited carries a low D/E ratio of 0.21, meaning only $0.21 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 98/100, indicating a strong balance sheet with room for future borrowing.

Returns

Chubb Limited's ROE of 14.0% shows moderate profitability relative to equity, earning a score of 43/100. This is down from 14.5% the prior year.

Piotroski F-Score Neutral

6/9

Chubb Limited passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.24x

For every $1 of reported earnings, Chubb Limited generates $1.24 in operating cash flow ($12.8B OCF vs $10.3B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$59.4B

YoY+6.5%

5Y CAGR+10.5%

10Y CAGR+12.1%

Chubb Limited generated $59.4B in revenue in fiscal year 2025. This represents an increase of 6.5% from the prior year.

EBITDA

N/A

Net Income

$10.3B

YoY+11.2%

5Y CAGR+23.9%

10Y CAGR+13.8%

Chubb Limited reported $10.3B in net income in fiscal year 2025. This represents an increase of 11.2% from the prior year.

EPS (Diluted)

$25.68

YoY+13.1%

5Y CAGR+26.9%

10Y CAGR+11.5%

Chubb Limited earned $25.68 per diluted share (EPS) in fiscal year 2025. This represents an increase of 13.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$2.5B

YoY-3.1%

5Y CAGR+7.2%

10Y CAGR+3.4%

Chubb Limited held $2.5B in cash against $15.7B in long-term debt as of fiscal year 2025.

Dividends Per Share

$3.82

YoY+6.4%

10Y CAGR+3.7%

Chubb Limited paid $3.82 per share in dividends in fiscal year 2025. This represents an increase of 6.4% from the prior year.

Shares Outstanding

391M

YoY-2.4%

5Y CAGR-2.8%

10Y CAGR-1.6%

Chubb Limited had 391M shares outstanding in fiscal year 2025. This represents a decrease of 2.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

17.4%

YoY+0.7pp

5Y CAGR+7.5pp

10Y CAGR+2.4pp

Chubb Limited's net profit margin was 17.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.7 percentage points from the prior year.

Return on Equity

14.0%

YoY-0.5pp

5Y CAGR+8.0pp

10Y CAGR+4.3pp

Chubb Limited's ROE was 14.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$3.7B

YoY+105.1%

5Y CAGR+47.8%

10Y CAGR+17.2%

Chubb Limited spent $3.7B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 105.1% from the prior year.

Capital Expenditures

N/A

CB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$59.4B+6.5%	$55.8B+12.1%	$49.7B+15.4%	$43.1B+5.5%	$40.9B+13.5%	$36.0B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$4.5B+2.8%	$4.4B+9.3%	$4.0B+18.0%	$3.4B+8.3%	$3.1B+5.2%	$3.0B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$764.0M+3.1%	$741.0M+10.3%	$672.0M+17.9%	$570.0M+15.9%	$492.0M-4.7%	$516.0M
Income Tax	$2.4B+33.4%	$1.8B+255.2%	$511.0M-58.8%	$1.2B-2.4%	$1.3B+101.7%	$629.0M
Net Income	$10.3B+11.2%	$9.3B+2.7%	$9.0B+72.1%	$5.2B-38.5%	$8.5B+141.3%	$3.5B
EPS (Diluted)	$25.68+13.1%	$22.70+4.1%	$21.80+75.9%	$12.39-35.6%	$19.24+147.0%	$7.79

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$14.8B-1.9%	$15.1B-6.7%	$16.1B+8.8%	$14.8B+11.1%	$13.4B-5.8%	$14.2B-4.5%	$14.8B+7.3%	$13.8B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.1B-1.0%	$1.2B+2.0%	$1.1B+1.2%	$1.1B+4.2%	$1.1B-3.7%	$1.1B+2.6%	$1.1B0.0%	$1.1B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$198.0M-3.4%	$205.0M+4.1%	$197.0M+8.8%	$181.0M0.0%	$181.0M-4.2%	$189.0M-1.6%	$192.0M+5.5%	$182.0M
Income Tax	$646.0M+8.2%	$597.0M-24.1%	$787.0M+9.8%	$717.0M+123.4%	$321.0M-33.0%	$479.0M-5.0%	$504.0M+2.9%	$490.0M
Net Income	$2.3B-27.7%	$3.2B+14.6%	$2.8B-5.6%	$3.0B+123.0%	$1.3B-48.3%	$2.6B+10.8%	$2.3B+4.2%	$2.2B
EPS (Diluted)	$5.88	N/A	$6.99-4.9%	$7.35+123.4%	$3.29	N/A	$5.70+4.4%	$5.46

CB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$272.3B+10.5%	$246.5B+6.9%	$230.7B+15.9%	$199.0B-0.5%	$200.1B+4.9%	$190.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.5B-3.1%	$2.5B-2.7%	$2.6B+30.3%	$2.0B+21.3%	$1.7B-5.0%	$1.7B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$20.2B+3.2%	$19.6B-0.5%	$19.7B+21.3%	$16.2B+6.7%	$15.2B-1.2%	$15.4B
Total Liabilities	$192.5B+8.1%	$178.2B+6.7%	$167.0B+12.5%	$148.5B+5.8%	$140.3B+6.9%	$131.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$15.7B+9.4%	$14.4B+10.3%	$13.0B-9.5%	$14.4B-5.1%	$15.2B+1.5%	$14.9B
Total Equity	$73.8B+15.2%	$64.0B+7.6%	$59.5B+17.8%	$50.5B-13.4%	$58.3B-1.9%	$59.4B
Retained Earnings	$70.0B+13.6%	$61.6B+12.3%	$54.8B+13.5%	$48.3B+2.0%	$47.4B+20.4%	$39.3B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$275.5B+1.1%	$272.3B+0.8%	$270.2B+3.3%	$261.6B+3.9%	$251.8B+2.1%	$246.5B-1.6%	$250.6B+5.0%	$238.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.6B+6.6%	$2.5B+0.7%	$2.5B+3.5%	$2.4B+5.4%	$2.3B-11.7%	$2.5B-4.8%	$2.7B+4.3%	$2.6B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$20.4B+0.8%	$20.2B-0.1%	$20.2B+0.3%	$20.2B+2.4%	$19.7B+0.7%	$19.6B-2.1%	$20.0B+0.8%	$19.8B
Total Liabilities	$195.5B+1.6%	$192.5B+0.1%	$192.4B+2.8%	$187.1B+3.4%	$181.0B+1.6%	$178.2B-1.3%	$180.4B+3.7%	$174.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$16.0B+1.5%	$15.7B0.0%	$15.7B+16.7%	$13.5B-7.1%	$14.5B+0.9%	$14.4B-1.2%	$14.6B+10.5%	$13.2B
Total Equity	$73.8B0.0%	$73.8B+2.6%	$71.9B+3.5%	$69.4B+5.6%	$65.7B+2.7%	$64.0B-2.6%	$65.8B+7.7%	$61.0B
Retained Earnings	$68.8B-1.6%	$70.0B+4.8%	$66.7B+4.4%	$63.9B+4.9%	$61.0B-1.0%	$61.6B+4.4%	$59.0B+4.1%	$56.7B

CB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$12.8B-20.8%	$16.2B+28.1%	$12.6B+12.2%	$11.3B+1.0%	$11.2B+14.0%	$9.8B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$11.3B+19.1%	-$13.9B-82.0%	-$7.6B-35.3%	-$5.7B+15.1%	-$6.7B+11.5%	-$7.5B
Financing Cash Flow	-$1.9B+15.2%	-$2.2B+51.4%	-$4.5B+12.7%	-$5.1B-16.6%	-$4.4B-111.9%	-$2.1B
Dividends Paid	$1.5B+4.8%	$1.4B+3.0%	$1.4B+1.4%	$1.4B-1.9%	$1.4B+0.9%	$1.4B
Share Buybacks	$3.7B+105.1%	$1.8B-25.3%	$2.4B-16.7%	$2.9B-40.5%	$4.9B+829.4%	$523.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$3.9B-2.8%	$4.1B+11.6%	$3.6B+2.5%	$3.6B+126.8%	$1.6B-65.7%	$4.6B+5.7%	$4.3B+5.9%	$4.1B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$2.8B-21.6%	-$2.3B+56.0%	-$5.3B-87.6%	-$2.8B-254.3%	-$798.0M+67.7%	-$2.5B+54.0%	-$5.4B-132.0%	-$2.3B
Financing Cash Flow	-$950.0M+42.8%	-$1.7B-197.8%	$1.7B+322.8%	-$762.0M+32.3%	-$1.1B+46.9%	-$2.1B-288.9%	$1.1B+164.3%	-$1.7B
Dividends Paid	$380.0M-1.0%	$384.0M-1.5%	$390.0M+6.8%	$365.0M-0.3%	$366.0M-0.3%	$367.0M-1.1%	$371.0M+6.3%	$349.0M
Share Buybacks	$1.2B+0.3%	$1.2B+7.8%	$1.1B+45.6%	$746.0M+8.0%	$691.0M+53.6%	$450.0M+52.5%	$295.0M-54.8%	$652.0M

CB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.4%+0.7pp	16.6%-1.5pp	18.1%+6.0pp	12.2%-8.7pp	20.9%+11.0pp	9.8%
Return on Equity	14.0%-0.5pp	14.5%-0.7pp	15.2%+4.8pp	10.4%-4.2pp	14.6%+8.7pp	5.9%
Return on Assets	3.8%+0.0pp	3.8%-0.2pp	3.9%+1.3pp	2.6%-1.6pp	4.3%+2.4pp	1.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.21-0.0	0.220.0	0.22-0.1	0.29+0.0	0.260.0	0.25
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	15.7%-5.6pp	21.3%+4.0pp	17.3%-2.7pp	20.0%+10.0pp	10.0%-8.2pp	18.2%+2.5pp	15.7%-0.5pp	16.1%
Return on Equity	3.1%-1.2pp	4.3%+0.4pp	3.9%-0.4pp	4.3%+2.3pp	2.0%-2.0pp	4.0%+0.5pp	3.5%-0.1pp	3.6%
Return on Assets	0.8%-0.3pp	1.2%+0.1pp	1.0%-0.1pp	1.1%+0.6pp	0.5%-0.5pp	1.0%+0.1pp	0.9%0.0pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.220.0	0.210.0	0.22+0.0	0.19-0.0	0.220.0	0.220.0	0.220.0	0.22
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Chubb Limited's annual revenue?

Chubb Limited (CB) reported $59.4B in total revenue for fiscal year 2025. This represents a 6.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Chubb Limited's revenue growing?

Chubb Limited (CB) revenue grew by 6.5% year-over-year, from $55.8B to $59.4B in fiscal year 2025.

Is Chubb Limited profitable?

Yes, Chubb Limited (CB) reported a net income of $10.3B in fiscal year 2025, with a net profit margin of 17.4%.

How much debt does Chubb Limited have?

As of fiscal year 2025, Chubb Limited (CB) had $2.5B in cash and equivalents against $15.7B in long-term debt.

What is Chubb Limited's net profit margin?

Chubb Limited (CB) had a net profit margin of 17.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Chubb Limited pay dividends?

Yes, Chubb Limited (CB) paid $3.82 per share in dividends during fiscal year 2025.

What is Chubb Limited's return on equity (ROE)?

Chubb Limited (CB) has a return on equity of 14.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Chubb Limited's operating cash flow?

Chubb Limited (CB) generated $12.8B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Chubb Limited's total assets?

Chubb Limited (CB) had $272.3B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Chubb Limited buy back shares?

Yes, Chubb Limited (CB) spent $3.7B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Chubb Limited have outstanding?

Chubb Limited (CB) had 391M shares outstanding as of fiscal year 2025.

What is Chubb Limited's debt-to-equity ratio?

Chubb Limited (CB) had a debt-to-equity ratio of 0.21 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Chubb Limited's return on assets (ROA)?

Chubb Limited (CB) had a return on assets of 3.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Chubb Limited's Piotroski F-Score?

Chubb Limited (CB) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Chubb Limited's earnings high quality?

Chubb Limited (CB) has an earnings quality ratio of 1.24x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Chubb Limited?

Chubb Limited (CB) scores 32 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.