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MARKETS / NYSE / CB
NYSE · FIRE, MARINE & CASUALTY INSURANCE · LARGE CAP

Chubb Ltd. CB

19 fiscal years on record · USD · FY2025 reported · SEC filings only
3 YEARS OF DIVIDEND GROWTH
$59.4B
▲ 6.5% YoY
$10.3B
▲ 11.2% YoY
In brief

What this company does

Chubb provides commercial and consumer property and casualty insurance, accident and health insurance, reinsurance, and life insurance, with operations in 54 countries and territories. For most commercial and personal lines of business it offers, insureds typically use the services of an insurance broker or agent, and the company obtains business from local and major international insurance brokers. At December 31, 2025, the company had total assets of $272 billion and total shareholders' equity of $74 billion, excluding noncontrolling interests. It employs approximately 45,000 people, with 40 percent of the workforce in Asia, 37 percent in North America, 13 percent in Latin America, and 10 percent in Europe/Eurasia/Africa. The company operates through six business segments — North America Commercial P&C Insurance, North America Personal P&C Insurance, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance, and Life Insurance — and in 2025 consolidated net premiums earned were $53.0 billion. Chubb Limited, the holding company of the Chubb Group of Companies, is headquartered in Zurich, Switzerland. The company expanded its personal accident and supplemental health and life insurance business with the acquisition of Cigna's business in several Asian markets in 2022, and incremental purchases led to a controlling majority interest in Huatai Insurance Group Co. Ltd, a Chinese financial services holding company, on July 1, 2023. Chubb was incorporated in 1985, at which time it opened its first business office in Bermuda, and continues to maintain operations in Bermuda.

Written from the business description in Chubb Ltd's annual report to the U.S. Securities and Exchange Commission, filed 27 February 2026. Every sentence was checked against that document before publication.

Growth
USD 59.4B
Revenue, FY2025 · full 19-year series below
Revenue $B Net income $B
FY2025 · Revenue 59.4 · Net income 10.3
20B40B2007201020132016201920222025
Compound annual growth
+11.3%
+10.5%
+12.1%
+9.1%
+25.3%
+23.9%
+13.8%
+8.4%
+27.5%
+26.9%
+5.1%
+6.8%
+22.2%
+12.4%
+14.9%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +10.5% a year over five years — but profit grew faster: net income at +23.9%, earnings per share at +26.9%.

The share count fell from 0.45B to 0.39B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
18 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 22.0% · Net 17.9%
10%20%2007201020132016201920222025
ROE
FY2025 · ROE 15.0%
5%10%15%2007201020132016201920222025

Each USD of equity produced 15 cents of profit this year.

Cash & shareholders
USD 4.9B
returned in FY2025 · dividends + net buybacks
Net buybacks $B Dividends $B
FY2025 · Dividends 1.5 · Net buybacks 3.4
2.5B5.0BDividendsNet buybacks2007201020132016201920222025

USD 1.5B in dividends and USD 3.4B in buybacks — 48% of the year's profit went back to shareholders.

Total assetsUSD 272.3B
EquityUSD 73.8B
CashUSD 2.5B
Gross debtUSD 17.2B
Net debtUSD 14.8B

Net debt stands at 20% of equity.

The 19-year record
19 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 2025202420232022202120202019201820172016201520142013201220112010200920082007
Revenue $B59.455.849.743.140.936.034.232.732.231.519.019.219.317.916.816.015.113.614.2
Operating income $B13.011.59.56.59.84.25.24.73.75.03.33.5·······
EBITDA $B···················
Income tax $B2.41.80.51.21.30.60.80.7−0.10.80.50.60.50.30.50.60.50.40.6
Net income $B10.39.39.05.28.53.54.54.03.94.12.82.93.82.71.53.12.51.22.6
EPS, diluted $25.6822.7021.8012.3919.247.799.718.498.198.878.628.4210.927.894.529.047.553.507.63
Dividend / sh $3.823.593.413.29······2.662.702.022.061.381.30·1.09·
Payout %15151526163930343428303014303014153013
ROE %15.015.016.49.614.56.28.47.87.810.79.79.6·······
Shares out B0.390.400.410.410.430.450.450.460.460.470.320.330.340.340.340.330.340.33·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 1 failures in 55 reconciliationsAUDITED

Reconciled in 18 of 19 fiscal years. 2 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente1 failures
ActivityFire, Marine & Casualty Insurance
Listed onNYSE
Incorporated inoutside the United States — SEC code V8
Fiscal year endsDecember 31
Data on record since2007

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