Chubb (CB) Reports Q1 Earnings: What Key Metrics Have to Say

Core Insights - Chubb reported revenue of $13.67 billion for Q1 2025, a 4.6$3.68, down from $5.41 in the same quarter last year, but exceeded the consensus estimate of$3.26 by 12.88% [1] Financial Performance Metrics - Loss and loss expense ratio was 67.8%, slightly better than the average estimate of 67.9% [4] - Combined ratio stood at 95.7%, compared to the estimated 95.5% [4] - North America Agricultural Insurance combined ratio was 67.5%, significantly better than the estimated 100.9% [4] - Net premiums written for North American Personal P&C Insurance were $1.55 billion, slightly below the estimate of$1.59 billion, reflecting a year-over-year increase of 6.6% [4] - Net investment income for Overseas General Insurance was $281 million, below the estimate of$306.70 million, but showed a 5.2% year-over-year increase [4] - Global Reinsurance net investment income was $70 million, exceeding the estimate of$67.36 million, with a year-over-year increase of 22.8% [4] - Total P&C net premiums written were $10.93 billion, below the estimate of$11.30 billion, with a year-over-year increase of 3.2% [4] - Global Reinsurance net premiums written were $408 million, slightly above the estimate of$406.24 million, reflecting a 13.7% year-over-year increase [4] - Overseas General Insurance net premiums written were $3.90 billion, below the estimate of$4.09 billion, with a year-over-year increase of 1.8% [4] - North America Agricultural Insurance net investment income was $24 million, exceeding the estimate of$21.93 million, with a year-over-year increase of 14.3% [4] - Total P&C net premiums earned were $10.30 billion, below the estimate of$10.80 billion, reflecting a year-over-year increase of 3.3% [4] Stock Performance - Chubb's shares returned -4% over the past month, outperforming the Zacks S&P 500 composite's -8.9% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]