Core Viewpoint - Chubb reported quarterly earnings of $3.68 per share, exceeding the Zacks Consensus Estimate of $3.26 per share, but down from $5.41 per share a year ago, indicating a significant earnings surprise of 12.88% [1][2] Financial Performance - Chubb's revenues for the quarter ended March 2025 were $13.67 billion, missing the Zacks Consensus Estimate by 3.43%, but up from $13.07 billion year-over-year [2] - Over the last four quarters, Chubb has surpassed consensus EPS estimates four times, but has only topped revenue estimates once [2] Stock Performance - Chubb shares have increased approximately 1.3% since the beginning of the year, contrasting with the S&P 500's decline of -12.3% [3] Future Outlook - The company's earnings outlook is crucial for investors, with current consensus EPS estimates at $5.92 for the coming quarter and $20.87 for the current fiscal year, with revenues expected to be $14.92 billion and $60.31 billion respectively [7] - The Zacks Rank for Chubb is currently 3 (Hold), indicating expected performance in line with the market in the near future [6] Industry Context - The Insurance - Property and Casualty industry is currently ranked in the top 17% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8]

Premiums and Income - Gross premiums written for Q1 2025 were $15,105 million, a 4.7% increase from $14,425 million in Q1 2024[11] - Net premiums written increased to $12,646 million in Q1 2025, up 3.5% from $12,221 million in Q1 2024[11] - Life Insurance net premiums written increased by 5.3% to $1,720 million in Q1 2025 from $1,633 million in Q1 2024[11] - Gross premiums written for Q1-25 reached $15,105 million, an increase from $14,326 million in Q4-24[14] - Net premiums written increased to $12,646 million in Q1-25, up 4.9% from $12,058 million in Q4-24[14] - Net premiums written in the Property and other short-tail lines for Q1 2025 were $2,489 million, a 5.4% increase year-over-year[27] - Total consolidated net premiums written for Q1 2025 reached $12,646 million, reflecting a 3.5% increase compared to Q1 2024[27] - Net premiums written for Q1 2025 totaled $10,926 million, a 3.2% increase from $10,588 million in Q1 2024[30] - Net premiums written for North America Personal P&C Insurance increased by 6.6% year-over-year, totaling $1,552 million in Q1 2025[35] - Net premiums written for North America Agricultural Insurance decreased by 11% year-over-year, totaling $276 million in Q1 2025[38] - Net premiums written in Europe, Middle East, and Africa increased by 2.5% year-over-year to $1,915 million in Q1 2025[40] - Net premiums written for Q1 2025 were $1,720 million, reflecting a 5.3% year-over-year growth[45] Financial Performance - Core operating income for Q1 2025 was $1,489 million, a decrease of 31.1% compared to $2,161 million in Q1 2024[11] - Chubb's net income for Q1 2025 was $1,331 million, down 37.9% from $2,143 million in Q1 2024[11] - The P&C combined ratio for Q1 2025 was 95.7%, compared to 86.0% in Q1 2024[11] - Diluted earnings per share decreased to $3.29 in Q1 2025, down 37.1% from $5.23 in Q1 2024[11] - Net income for Q1-25 was $1,343 million, a significant decrease from $2,640 million in Q4-24[14] - The P&C combined ratio for Q1-25 was 95.7%, up from 85.7% in Q4-24, indicating a decline in underwriting performance[20] - The combined ratio for Q1 2025 was 96.2%, compared to 86.2% in Q4 2024, indicating a deterioration in underwriting performance[22] - The segment income for Q1 2025 was $1,751 million, compared to $2,536 million in Q1 2024, indicating a decrease of 30.9%[30] - Chubb's net income for Q1 2025 was reported at $1,331 million, down from $2,575 million in Q4 2024, showing a significant decline in overall earnings[100] - The return on equity (ROE) for Q1 2025 was 8.2%, down from 14.3% in Q1 2024[104] Investment Performance - Adjusted net investment income rose to $1,670 million in Q1 2025, reflecting a 12.7% increase from $1,482 million in Q1 2024[11] - Adjusted net investment income reached $1,399 million in Q1 2025, up from $1,252 million in Q1 2024, marking an increase of 11.8%[30] - The total investment portfolio reported net gains of $948 million for the three months ended March 31, 2025, compared to net losses of $730 million for the same period in 2024[68] - The average market yield of fixed income investments was 5.5% for the quarter, slightly down from 5.6% in the previous quarter[55] - The investment portfolio totaled $156,047 million, an increase from $155,301 million, indicating a growth of 0.48%[58] - The total investment in private equities and other reached $17,931 million, reflecting a strategic focus on alternative investments[58] Expenses and Ratios - The effective tax rate for Q1 2025 was 19.3%, up from 13.7% in Q1 2024[11] - The loss and loss expense ratio for Q1-25 was 67.8%, an increase from 59.4% in Q4-24, indicating higher claims relative to premiums[20] - The loss and loss expense ratio for Q1 2025 was 60.8%, a slight increase from 60.5% in Q4 2024[32] - The policy acquisition cost ratio for Q1 2025 was 14.4%, slightly higher than 14.1% in Q1 2024[32] - The policy acquisition cost ratio for Q1 2025 was 26.1%, slightly up from 26.0% in Q4 2024[40] - Administrative expenses for Q1 2025 totaled $878 million, consistent with $880 million in Q4-24[20] - Administrative expenses for Q1 2025 amounted to $202 million, down from $207 million in Q1 2024[45] Catastrophe Losses - Catastrophe losses for Q1-25 amounted to $1,604 million, compared to $617 million in Q4-24, reflecting increased claims[20] - Catastrophe losses for Q1 2025 amounted to $1,589 million, significantly impacting the combined ratio[22] - Catastrophe losses for North America Personal P&C Insurance in Q1 2025 were $1,292 million, a significant increase from $84 million in Q4 2024[35] - Catastrophe losses after-tax for Q1 2025 amounted to $1,300 million, compared to $515 million in Q4 2024, highlighting increased exposure to catastrophic events[100] Shareholder Equity and Book Value - Book value per common share increased by 2.7% to $164.01 as of March 31, 2025, from $159.77 at the end of 2024[11] - Tangible book value per common share increased to $104.27, a 3.9% rise from the previous quarter[24] - Chubb's shareholders' equity increased to $65.726 billion as of March 31, 2025, compared to $64.021 billion at the end of 2024[71] - The equity at the end of Q1 2025, as reported, was $65,726 million, an increase from $60,535 million in Q1 2024[104] Other Financial Metrics - The number of shares outstanding at the end of Q1 2025 was 400,748,485, a slight increase from 400,703,663 at the end of Q4 2024[77] - Chubb's total financial debt as of March 31, 2025, is $14.508 billion, a decrease from $15.179 billion on December 31, 2024[71] - Chubb's leverage ratio for financial debt is 18.0% as of March 31, 2025, down from 19.1% at the end of 2024[71] - The company reported realized and unrealized gains of $1.052 billion from foreign exchange for the three months ended March 31, 2025[67] - The company reported a cumulative translation gain of $340 million in Q1 2025, contrasting with a loss of $(1,073) million in Q4 2024[77]

Chubb Limited (CB) is expected to register an improvement in its top line but a decline in its bottom line when it reports first-quarter 2025 results on April 22, after the closing bell.The Zacks Consensus Estimate for CB’s first-quarter revenues is pegged at $14.2 billion, indicating 8.4% growth from the year-ago reported figure.The consensus estimate for earnings is pegged at $3.26 per share. The Zacks Consensus Estimate for CB’s first-quarter earnings has moved down 2 cents in the past 30 days. The estim ...

The upcoming report from Chubb (CB) is expected to reveal quarterly earnings of $3.26 per share, indicating a decline of 39.7% compared to the year-ago period. Analysts forecast revenues of $14.16 billion, representing an increase of 8.4% year over year.Over the past 30 days, the consensus EPS estimate for the quarter has been adjusted downward by 0.1% to its current level. This demonstrates the covering analysts' collective reassessment of their initial projections during this period.Prior to a company's e ...

The market expects Chubb (CB) to deliver a year-over-year decline in earnings on higher revenues when it reports results for the quarter ended March 2025. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on April ...

The $120B market cap insurer Chubb (NYSE: CB ) ended 2024 with over $62B in gross written premiums. We know where those premiums were written, but we don't know how profitable they will turn out to be.Striving to compound knowledge. Long-time fan of Warren and Charlie. Always invert. "To finish first, you must first finish". Investing own and family funds for +20 years. Senior finance roles at public and private corporations for most of that time.Analyst’s Disclosure: I/we have no stock, option or similar d ...

About Chubb Chubb is a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock ...

Core Viewpoint - Chubb Limited has established a new division within its North America Middle Market organization to enhance its focus on middle-market businesses, aiming for growth in both domestic and international markets [1][2]. Group 1: New Division and Strategy - The new unit, named North America Small & Lower Midmarket, combines the Lower Middle Market and Digital Small Business divisions, indicating a strategic focus on small business and lower middle market segments, which are seen as significant growth opportunities [2][4]. - The division will provide a comprehensive suite of products and services, including property and casualty (P&C), Financial Lines, Cyber, Multinational, and Accident & Health, while offering agents a choice between a fully digital experience or a digitally augmented service model [4]. Group 2: Market Growth and Opportunities - Chubb has noted that the middle market is experiencing growth not only in the United States but also globally, with Asia and Latin America presenting additional opportunities in both life and non-life insurance sectors [3]. - The strategic formation of this new division is timely, aligning with the global growth trends in the middle market [3]. Group 3: Financial Performance and Position - Chubb's stock has gained 4.1% year to date, which is below the property and casualty insurance industry's increase of 8.4% [7]. - The company maintains a strong capital position and cash generation capabilities, which support steady payouts to investors and contribute to long-term growth [8].

Leverages Digital Operating Model to Apply Chubb's Underwriting and Service Capabilities Across Small and Lower Middle Market Segments Rob Poliseno appointed Division President, Small & Lower Midmarket; Jason Ranucci named Chief Operating Officer, Small & Lower Midmarket WHITEHOUSE STATION, N.J., March 12, 2025 /PRNewswire/ -- Chubb (NYSE: CB) today announced the creation of a new division within its North America Middle Market organization, combining Chubb's Lower Middle Market and Digital Small Business ...

Chubb Limited (CB) shares are trading at a premium to the Zacks Property and Casualty Insurance industry. Its price-to-book value of 1.69X is higher than the industry average of 1.44X.It also has a Value Score of B. Back-tested results have shown that stocks with a solid Value Score and a favorable Zacks Rank are the most attractive and their returns are better. With a capitalization of $115 billion, Chubb is one of the world’s largest providers of property and casualty (P&C) insurance and reinsurance and t ...