Global property and casualty insurer serving commercial, personal, accident, supplemental health, and reinsurance markets.
Profile & Fundamentals
Chubb: Company identity, ownership, reported financial performance, balance sheets, and corporate actions.
Profile & Fundamentals
Chubb Profile & Fundamentals
Examine company identity, ownership, reported performance, valuation, balance-sheet resilience, dividends, buybacks, and material corporate events.
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Company and Market Context
Company Profile & Ownership
Chubb Limited provides insurance and reinsurance products worldwide. It operates in six segments: North America Commercial Property and Casualty (P&C) Insurance, North America Personal P&C Insurance, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance, and Life Insurance. The company offers property and general liability, workers' compensation, and umbrella; professional and management liability; environmental, health, and international coverages; and claims and risk management products and services, loss control, and engineering and complex claims management. It also provides homeowners, automobile and collector cars, valuable articles, and personal and excess liability insurance. In addition, the company offers multiple peril crop insurance and crop-hail insurance for farm, ranch, specialty (P&C), and commercial agriculture products; product and employer liability, business interruption, and specialty risk; property insurance products, including traditional commercial fire coverage, energy industry-related, marine, construction, and other technical coverages; personal accident and supplemental medical coverages, such as accidental death, business/holiday travel, specified disease, disability, medical and hospital indemnity, and income protection; and directors and officers, professional indemnity, cyber, surety, aviation, political risk, and specialty personal lines products. Further, it provides property catastrophe reinsurance; traditional and specialty P&C reinsurance; and protection and savings products, which includes individual and group term life, dental, critical illness, dementia, hospital cash, credit life, group employee benefits, whole life, universal life, unit linked contracts, endowment plans, and annuities. The company was formerly known as ACE Limited and changed its name to Chubb Limited in January 2016. Chubb Limited was incorporated in 1985 and is headquartered in Zurich, Switzerland.
Company profile record
Chubb Ltd
Common Stock · Financials · Property & Casualty Insurance
Company
- Company / asset
- Chubb Ltd
- Security type
- Common Stock
- Sector
- Financials
- Industry
- Property & Casualty Insurance
- HQ
- 🇨🇭 Switzerland
- Head office
- Baerengasse 32, Zurich, Switzerland, 8001
Leadership & scale
- Chief executive
- Mr. Evan G. Greenberg
- CEO year born
- 1955
- Full-time employees
- 45K
- Fiscal year end
- December
- IPO date
- 1993-03-24
Fundamentals snapshot
- Market Cap
- USD 131.3B
- P/E
- 11.7x
- Revenue (Q2 26)
- USD 15.8B
- Profit (Q2 26)
- USD 2.9B
- Dividend Yield
- 0.8%
- Revenue (FY 25)
- USD 59.8B
- Shares in public float
- 349.9M
- Insider ownership
- 9.45%
Reporting & identifiers
- Symbol
- CB.NYSE
- Listing
- 🇺🇸 United States | Dividend Tax: 30%
- Ticker Currency
- USD
- Income Statement Currency
- USD
- Balance Sheet Currency
- USD
- Cash Flow Currency
- USD
- EPS Currency
- USD
- Contract Type
- SPOT
- ISIN
- CH0044328745
- Asset ID
- equity_f7da2b96-30f0-52e7-a846-c33b069a1a84
Ownership
Shares Outstanding
Latest: 393.0M | Max: 469.5M | Min: 393.0M
Latest reported ownership snapshot
As of Oct 1, 2026Float Shares
89.03%
349.9M latest reported shares
Insider Ownership
9.45%
Latest reported insider stake
Short Float
0.01%
Latest reported short interest / float
Top Holders
Source tablesView ownership tables
Shares Outstanding
Annual reported shares outstanding; up to 10 reporting dates.
Scroll the table to see every column.
| Reporting date | Shares outstanding |
|---|---|
| 2017-01-01 | 469,484,800 |
| 2018-01-01 | 463,420,200 |
| 2019-01-01 | 455,900,000 |
| 2020-01-01 | 453,300,000 |
| 2021-01-01 | 432,800,000 |
| 2022-01-01 | 418,900,000 |
| 2023-01-01 | 410,700,000 |
| 2024-01-01 | 427,741,000 |
| 2025-01-01 | 396,500,000 |
| 2026-01-01 | 393,000,000 |
Top Holders
Available reported ownership records.
Scroll the table to see every column.
| Holder | Shares | Ownership | Reported date |
|---|---|---|---|
| Berkshire Hathaway Inc | 34,249,183 | 8.88% | 2026-06-30 |
| BlackRock Inc | 27,888,703 | 7.23% | 2026-03-31 |
| Vanguard Capital Management, LLC | 23,255,968 | 6.03% | 2026-03-31 |
| State Street Corp | 16,706,179 | 4.33% | 2026-03-31 |
| T. Rowe Price Associates, Inc. | 15,793,551 | 4.09% | 2026-03-31 |
| GQG Partners LLC | 12,473,178 | 3.23% | 2026-06-30 |
| FMR Inc | 12,222,474 | 3.17% | 2026-03-31 |
| Vanguard MStar Total Stk Mkt Idx Invest | 11,089,928 | 2.87% | 2026-08-31 |
| Vanguard 500 Index Investor | 9,583,009 | 2.48% | 2026-08-31 |
| Geode Capital Management, LLC | 9,119,205 | 2.36% | 2026-03-31 |
| Vanguard Portfolio Management, LLC | 8,932,609 | 2.32% | 2026-03-31 |
| Goldman Sachs GQG Ptnrs Intl Opps Instl | 7,316,195 | 1.9% | 2026-06-30 |
| Massachusetts Financial Services Company | 6,514,984 | 1.69% | 2026-03-31 |
| Wellington Management Company LLP | 6,195,189 | 1.61% | 2026-06-30 |
| Capital World Investors | 5,584,363 | 1.45% | 2026-06-30 |
Earnings, Profitability & Valuation
Earnings, Profitability & Valuation
Earnings & Revenue
Earnings and Revenue Trajectory
AI Review
The headline earnings figures tell an impressive story of disciplined business execution. Over the twelve months ended June 2026, total revenue reached $62.1 billion while net income advanced to $11.21 billion. This strong performance reflects two separate engines firing together: pristine property-casualty underwriting that generated an outstanding 83.8% combined ratio, and fixed-income portfolio reinvestment that drove quarterly investment income to record highs. What makes these results truly compelling for investors is the quality of cash generation. Operating cash flow exceeded $16 billion, demonstrating that earnings represent real cash rather than accounting estimates. By walking away from underpriced commercial property risks, the company protected its profit margins while letting higher interest rates expand cash returns.
The headline earnings figures tell an impressive story of disciplined business execution. Over the twelve months ended June 2026, total revenue reached $62.1 billion while net income advanced to $11.21 billion. This strong performance reflects two separate engines firing together: pristine property-casualty underwriting that generated an outstanding 83.8% combined ratio, and fixed-income portfolio reinvestment that drove quarterly investment income to record highs. What makes these results truly compelling for investors is the quality of cash generation. Operating cash flow exceeded $16 billion, demonstrating that earnings represent real cash rather than accounting estimates. By walking away from underpriced commercial property risks, the company protected its profit margins while letting higher interest rates expand cash returns.
Revenue, Net Income, and Free Cash Flow
Latest: USD 59.8B | Max: USD 59.8B | Min: USD 3.5B
Valuation
P/E Ratio (TTM)iPublished valuation snapshots use the earnings basis recorded with each observation. Source tables retain that basis.
Latest: 12x
Profitability & Margins
Margins and Operating Efficiency
AI Review
Profitability margins lead the global insurance industry by a wide margin, with operating margins holding near 22% and return on tangible equity surpassing 20%. The company achieved an 83.8% combined ratio in the second quarter of 2026, outperforming the broader property and casualty industry average by roughly nine percentage points. This margin advantage is structural rather than accidental. When competitors engaged in aggressive price-cutting across corporate property accounts, management deliberately surrendered market share to maintain profitability. Combined with rising investment yields on its float, this underwriting discipline ensures profit margins remain insulated against broader economic soft cycles.
Profitability margins lead the global insurance industry by a wide margin, with operating margins holding near 22% and return on tangible equity surpassing 20%. The company achieved an 83.8% combined ratio in the second quarter of 2026, outperforming the broader property and casualty industry average by roughly nine percentage points. This margin advantage is structural rather than accidental. When competitors engaged in aggressive price-cutting across corporate property accounts, management deliberately surrendered market share to maintain profitability. Combined with rising investment yields on its float, this underwriting discipline ensures profit margins remain insulated against broader economic soft cycles.
Profitability Margins
Latest: 29.4% | Max: 100.0% | Min: 9.8%
Latest Profitability Ratios as of 2025-12-31
Gross Margin
29.4%
Gross profit / revenue
Operating Margin
21.8%
Operating income / revenue
Net Margin
17.2%
Net income / revenue
FCF Margin
24.3%
Free cash flow / revenue
Source tablesView earnings, profitability & valuation tables
Revenue, Net Income, and Free Cash Flow
Annual reported results, using the source statement's recorded USD conversion. Up to 10 reporting periods; missing values are not estimated.
Scroll the table to see every column.
| Period end | Revenue (USD) | Net income (USD) | Free cash flow (USD) |
|---|---|---|---|
| 2016-12-31 | 31,480,000,000 | 4,135,000,000 | 5,292,000,000 |
| 2017-12-31 | 32,340,000,000 | 3,861,000,000 | 4,503,000,000 |
| 2018-12-31 | 32,679,000,000 | 3,962,000,000 | 5,480,000,000 |
| 2019-12-31 | 34,230,000,000 | 4,454,000,000 | 7,732,000,000 |
| 2020-12-31 | 36,052,000,000 | 3,533,000,000 | 10,692,000,000 |
| 2021-12-31 | 40,770,000,000 | 8,525,000,000 | 12,570,000,000 |
| 2022-12-31 | 42,975,000,000 | 5,246,000,000 | 11,243,000,000 |
| 2023-12-31 | 49,997,000,000 | 9,028,000,000 | 12,632,000,000 |
| 2024-12-31 | 56,150,000,000 | 9,272,000,000 | 16,182,000,000 |
| 2025-12-31 | 59,783,000,000 | 10,310,000,000 | 14,537,000,000 |
Published P/E Ratio
Published valuation snapshots retain each observation's earnings basis.
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| Period end | P/E (times earnings) | Earnings basis |
|---|---|---|
| 2025-12-31 | 12 | Trailing four quarters |
| 2024-12-31 | 12.75 | Trailing four quarters |
| 2023-12-31 | 10.28 | Trailing four quarters |
| 2022-12-31 | 17.62 | Annual net income |
| 2021-12-31 | 9.81 | Annual net income |
Profitability Margins
Matching annual reporting dates. Values are percentages.
Scroll the table to see every column.
| Period end | Gross margin (%) | Operating margin (%) | Net margin (%) | Free cash flow margin (%) |
|---|---|---|---|---|
| 2016-12-31 | 28.39 | 15.72 | 13.14 | 16.81 |
| 2017-12-31 | 22.97 | 11.51 | 11.94 | 13.92 |
| 2018-12-31 | 24.82 | 14.25 | 12.12 | 16.77 |
| 2019-12-31 | 25.14 | 15.33 | 13.01 | 22.59 |
| 2020-12-31 | 19.45 | 11.54 | 9.8 | 29.66 |
| 2021-12-31 | 27.8 | 24.02 | 20.91 | 30.83 |
| 2022-12-31 | 25.2 | 15.09 | 12.21 | 26.16 |
| 2023-12-31 | 100 | 18.9 | 18.06 | 25.27 |
| 2024-12-31 | 28.8 | 20.4 | 16.51 | 28.82 |
| 2025-12-31 | 29.45 | 21.82 | 17.25 | 24.32 |
Public data excerpt created by iPulse AI and published by Future Edge Group FZE. Source: eodhd. Snapshot retrieved 2026-09-29.
Use is subject to the iPulse AI Terms of Service and applicable source rights. Missing inputs are not estimated. Full access includes the remaining records, research and interactive tools.
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