Net margin
17.4% Fiscal year 2025
Rank 60 of 100: higher than 60% of 237 peers (All). medium.
Rank 29 of 100: higher than 29% of 33 peers (Sector). weak.
Median Financials: 26.2%
Profit after all costs, interest and taxes divided by revenue.
Chubb is a property and casualty insurer based in Zurich. The company insures businesses and wealthy individuals, offers accident, health and life insurance and operates in more than 50 countries. As of Oct 13, 2026
Chubb is a global insurance and reinsurance group based in Zurich, Switzerland. The group offers property and casualty insurance for businesses and individuals, accident and supplemental health coverage, reinsurance and life insurance. The segments cover the North American commercial, personal and agricultural business, the overseas business, reinsurance and the life business. Its offering includes specialty coverage, for example for aviation and energy, as well as personal policies for homes, cars and valuables. The Commercial Insurance division sells in North America through independent agents and brokers, and for small business customers also through digital platforms.
Automatically summarized from SEC annual report (10-K, filed Feb 27, 2026) (website of the US Securities and Exchange Commission) · reviewed Oct 15, 2026
Calculated automatically by fixed rules – not investment advice, check for yourself. How we analyze
Our own calculation from the exchange’s daily candles, as of Oct 26, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.
Chubb Limited · Sector Financials · amounts in USD
Information only – does not affect the other analysis methods, not investment advice. Source: SEC filings, As of Feb 27, 2026.
Four angles on the annual figures. Each check counts how many disclosed criteria are met – criteria without data do not count. The bars show where the company ranks on each figure among the stocks we cover and within its sector.
Fiscal year to Dec 31, 2025
17.4% Fiscal year 2025
Rank 60 of 100: higher than 60% of 237 peers (All). medium.
Rank 29 of 100: higher than 29% of 33 peers (Sector). weak.
Median Financials: 26.2%
Profit after all costs, interest and taxes divided by revenue.
14.0% Fiscal year 2025
Rank 43 of 100: higher than 43% of 218 peers (All). medium.
Rank 52 of 100: higher than 52% of 32 peers (Sector). medium.
Median Financials: 13.9%
Net income divided by equity at fiscal year end.
3.8% Fiscal year 2025 (total assets at year end)
Rank 34 of 100: higher than 34% of 238 peers (All). medium.
Rank 59 of 100: higher than 59% of 33 peers (Sector). medium.
Median Financials: 2.4%
Net income divided by total assets at fiscal year end.
27.1% Fiscal year 2025
Rank 40 of 100: higher than 40% of 239 peers (All). medium.
Rank 77 of 100: higher than 77% of 33 peers (Sector). strong.
Median Financials: 18.2%
Equity as a share of total assets. Usually low for banks.
+11.2% per year
Rank 61 of 100: higher than 61% of 230 peers (All). medium.
Rank 61 of 100: higher than 61% of 32 peers (Sector). medium.
Median Financials: +9.7%
Average growth per year over 3 fiscal years.
+10.5% per year
Rank 48 of 100: higher than 48% of 217 peers (All). medium.
Rank 57 of 100: higher than 57% of 29 peers (Sector). medium.
Median Financials: +9.1%
Average growth per year over 5 fiscal years.
+12.1% per year
Rank 73 of 100: higher than 73% of 157 peers (All). strong.
Rank 80 of 100: higher than 80% of 23 peers (Sector). strong.
Median Financials: +7.2%
Average growth per year over 10 fiscal years.
+27.0% per year
Rank 79 of 100: higher than 79% of 157 peers (All). strong.
Rank 77 of 100: higher than 77% of 24 peers (Sector). strong.
Median Financials: +17.6%
Growth of earnings per share per year, adjusted for stock splits.
+26.9% per year
Rank 78 of 100: higher than 78% of 146 peers (All). strong.
Rank 90 of 100: higher than 90% of 25 peers (Sector). strong.
Median Financials: +14.8%
Growth of earnings per share per year, adjusted for stock splits.
+11.5% per year
Rank 58 of 100: higher than 58% of 140 peers (All). medium.
Rank 52 of 100: higher than 52% of 24 peers (Sector). medium.
Median Financials: +11.5%
Growth of earnings per share per year, adjusted for stock splits.
0.21 at fiscal year end
Rank 79 of 100: lower than 79% of 199 peers (All). strong.
Rank 87 of 100: lower than 87% of 26 peers (Sector). strong.
Median Financials: 0.83
Long-term financial debt divided by equity.
−11.5% in 5 years
Rank 84 of 100: lower than 84% of 199 peers (All). strong.
Rank 73 of 100: lower than 73% of 24 peers (Sector). strong.
Median Financials: −6.1%
Change in diluted share count. Negative = share buybacks, positive = new shares.
Banks and insurers usually do not report gross margin, current assets or capital expenditure – those criteria then do not count. Debt is part of their business.
Price-based criteria (P/E, dividend yield) are shown to signed-in users.
Computed automatically from SEC annual reports – not investment advice. Describes the reported figures; points are not a rating of the stock. Rank 0–100 against the 239 stocks we cover and against the sector (from 5 peers); the stronger side is always on the right.
Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.
No reported values for “Dividend per share” in this interval.
No reported values for “Dividend per share” in this interval.
Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 59.4B USD · Net income 10.3B USD · Net margin 17.4%
Where the money of a fiscal year goes and how margins, returns, balance sheet, cash flow and share count developed over up to 10 years. Each chart has one sentence saying what the trend shows.
Of 100 USD of revenue, 17.4 USD net income remained.
| Item | Amount | of revenue |
|---|---|---|
| Revenue | 59.4B USD | 100.0% |
| Net income | 10.3B USD | 17.4% |
| Interest expense | 764.0M USD | 1.3% |
| Taxes | 2.4B USD | 4.1% |
| Remaining costs & other | 45.9B USD | 77.3% |
Taxes, interest and other items are not available separately in the SEC data; they are combined as the difference.
The net margin rose in 5 years from 9.8% to 17.4%.
Net marginReturn on equity rose in 5 years from 5.9% to 14.0%.
Return on equityReturn on assetsThe equity ratio fell in 5 years from 31.2% to 27.1%.
EquityLong-term debt in USD Long-term debt, depending on the filing, includes the current portion or leases.The share count fell in 5 years by 11.5% (mostly through share repurchases).
Diluted share countBanks and insurers: gross margin, current assets and capital expenditure are usually not reported and cash flow is not meaningful there – those lines and charts are omitted.
From annual reports filed with the SEC (10-K, 20-F, 40-F) as first reported, share count adjusted for splits; obvious filing errors (e.g. wrong unit, outliers against both neighbouring years) are hidden. Describes the reported figures – not investment advice.
How much the company returns to its shareholders – as dividends or by repurchasing its own shares – and whether free cash flow supports it.
Over 5 years, 22.8B USD went back to shareholders, 69% of it through share repurchases.
Dividends paidShare repurchasesNew shares issued (including employee plans)Free cash flow in USDFor banks and insurers free cash flow is not meaningful; ratios to free cash flow are usually omitted.
Dividends paid, repurchases and new shares issued from the cash flow statement of annual reports filed with the SEC (as first reported). Describes the reported figures – not investment advice.
Price-based valuation (P/E, P/S, price/free cash flow and dividend yield per fiscal year, compared with its own average) for signed-in users. Log in
Chubb Limited next to 8 stocks of the sector Financials we cover that are closest in revenue. Click a column header to sort the table.
| Symbol | Revenue (FY) | Growth 5 yrs | Gross margin | Op. margin | Net margin | ROE | Equity ratio | FCF margin | Piotroski |
|---|---|---|---|---|---|---|---|---|---|
| PGR Progressive Corporation | 87.7B USD | +15.5% | – | – | 12.9% | 37.3% | 24.6% | – | – |
| C Citigroup | 85.2B USD | +2.8% | – | – | 16.8% | 6.7% | 8.0% | – | – |
| WFC Wells Fargo | 83.7B USD | +3.0% | – | – | 25.5% | 11.8% | 8.4% | – | – |
| MS Morgan Stanley | 70.6B USD | +7.9% | – | – | 23.9% | 15.1% | 7.9% | – | – |
| CB Chubb Limited this stock | 59.4B USD | +10.5% | – | – | 17.4% | 14.0% | 27.1% | – | – |
| GS Goldman Sachs | 58.3B USD | +5.5% | – | – | 29.5% | 13.7% | 6.9% | – | – |
| COF Capital One | 53.4B USD | +13.4% | – | – | 4.6% | 2.2% | 17.0% | – | – |
| TRV Travelers Companies (The) | 48.8B USD | +8.8% | – | – | 12.9% | 19.1% | 22.9% | – | – |
| AXP American Express | 41.3B USD | +13.5% | – | – | 26.2% | 32.4% | 11.2% | – | – |
| Median of the sector 33 symbols | 27.0B USD | +9.1% | – | 39.0% | 26.2% | 13.9% | 18.2% | – | – |
Growth 5 yrs = revenue growth per year over 5 fiscal years · Op. margin = operating margin · ROE = return on equity · FCF = free cash flow · Piotroski = F-Score (only with all 9 criteria).
Banks and insurers: gross margin (only if reported), free cash flow margin and Piotroski are not meaningful there (“–”).
Figures of the last fiscal year from SEC annual reports (peers as of Oct 28, 2026). Median across all companies of the sector we cover (from 5 stocks; several share classes of one company count once). Signed-in users also see P/E, P/S and dividend yield in the comparison. Describes the reported figures – not investment advice.
Each light follows a simple, disclosed rule. The comparison is with the sector median Sector medianThe middle value of all companies in a sector: half are above it, half below. Unlike the average, single outliers hardly distort it.Example: Margins 4%, 8%, 10%, 12%, 60% → median 10%, average 18.8%.More in the Academy: Lesson putting the P/E in context of all 79 symbols in the Financials sector on our list (current members of the S&P 500 and other lists).
+10.5% per year, last 5 years
Sector Financials: median +8.8% (73 symbols)
What does this mean? Revenue: over 5 years it grew by 10.5% per year on average – at least as fast as the median company in the sector (+8.8%).
Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.
+23.9% per year, last 5 years
Sector Financials: median +13.8% (71 symbols)
per share: +26.9% per year (5 years, split-adjusted)
What does this mean? Total net income: over 5 years it grew by 23.9% per year on average – at least as fast as the median company in the sector (+13.8%).
Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.
17.4% last fiscal year
Sector Financials: median 19.4% (75 symbols)
What does this mean? Of every 100 USD in revenue, 17.36 USD remained as profit – less than the median company in the sector (19.4%). Five years ago the margin was 9.8%.
Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.
0.22 latest balance sheet
Sector Financials: median 0.63 (60 symbols)
What does this mean? For every 1 USD of equity there is 0.22 USD of financial debt – no more than the median company in the sector (0.63). For banks and insurers, debt is part of the business – so the comparison is only with their own sector.
Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.
– Dividend / earnings per share
Sector Financials: median 34% (58 symbols)
What does this mean? The loaded SEC filings of the last two fiscal years contain no dividend per share. Either the company pays none, or it reports it under a different tag.
Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.
10 of 10 fiscal years with a profit
What does this mean? In 10 of the last 10 fiscal years the bottom line showed a profit. There were no losses in this period.
Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).
| Year | End | Revenue | Net income | Margin | Earnings per share | Dividend per share | Payout |
|---|---|---|---|---|---|---|---|
| 2025 | Dec 31, 2025 | 59.4B | 10.3B | 17.4% | 25.68 | – | – |
| 2024 | Dec 31, 2024 | 55.8B | 9.3B | 16.6% | 22.70 | – | – |
| 2023 | Dec 31, 2023 | 49.7B | 9.0B | 18.2% | 21.80 | – | – |
| 2022 | Dec 31, 2022 | 43.2B | 5.3B | 12.3% | 12.55 | – | – |
| 2021 | Dec 31, 2021 | 41.0B | 8.5B | 20.8% | 19.27 | – | – |
| 2020 | Dec 31, 2020 | 36.0B | 3.5B | 9.8% | 7.79 | – | – |
| 2019 | Dec 31, 2019 | 34.2B | 4.5B | 13.0% | 9.71 | – | – |
| 2018 | Dec 31, 2018 | 32.7B | 4.0B | 12.1% | 8.49 | – | – |
| 2017 | Dec 31, 2017 | 32.2B | 3.9B | 12.0% | 8.19 | – | – |
| 2016 | Dec 31, 2016 | 31.5B | 4.1B | 13.1% | 8.87 | – | – |
| Quarter | End | Revenue | Net income | Margin | Earnings per share | Dividend per share | Payout |
|---|---|---|---|---|---|---|---|
| Q1/26 | Mar 31, 2026 | 14.8B | 2.3B | 15.7% | 5.88 | – | – |
| Q4/25* | Dec 31, 2025 | 15.1B | 3.2B | 21.3% | – | – | – |
| Q3/25 | Sep 30, 2025 | 16.1B | 2.8B | 17.3% | 6.99 | – | – |
| Q2/25 | Jun 30, 2025 | 14.8B | 3.0B | 20.0% | 7.35 | – | – |
| Q1/25 | Mar 31, 2025 | 13.4B | 1.3B | 10.0% | 3.29 | – | – |
| Q4/24* | Dec 31, 2024 | 14.2B | 2.6B | 18.2% | – | – | – |
| Q3/24 | Sep 30, 2024 | 14.8B | 2.3B | 15.7% | 5.70 | – | – |
| Q2/24 | Jun 30, 2024 | 13.8B | 2.2B | 16.1% | 5.46 | – | – |
| Q1/24 | Mar 31, 2024 | 12.9B | 2.1B | 16.6% | 5.23 | – | – |
| Q4/23* | Dec 31, 2023 | 13.0B | 3.3B | 25.4% | – | – | – |
| Q3/23 | Sep 30, 2023 | 13.9B | 2.0B | 14.7% | 4.95 | – | – |
| Q2/23 | Jun 30, 2023 | 11.8B | 1.8B | 15.2% | 4.32 | – | – |
* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.
How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year Growth per year (CAGR)The average annual growth rate over several years, as if the value had grown equally strongly every year. Individual good or bad years even out in it.Example: Revenue €100m → €161m in 5 years → (161 ÷ 100) to the power of 1/5 − 1 = 10% per year.More in the Academy: Lesson debt, dividends and growth over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.
| Period | Purchases | Sales | Net |
|---|---|---|---|
| 3 months | $00 people | $5.0M2 people | −$5.0M |
| 6 months | $00 people | $13.8M5 people | −$13.8M |
| 12 months | $00 people | $48.9M11 people | −$48.9M |
Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.
ATR ATR (Average True Range)The average range per trading day over the last 14 days. It makes distances comparable, whether a stock costs 10 or 1,000.Example: ATR 2.50 at a price of 100: 0.4 ATR is 1.00, i.e. 1%.More in the Academy: Lesson ATR and moving averages as price values only when logged in.
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