Chubb Limited Achieves 7.5% Revenue Growth in Q3 2025
Chubb Limited Reports Strong Revenue Growth in Q3 2025
Chubb Limited, a prominent global insurance provider, surpassed revenue projections for the third quarter of 2025. The company's sales increased by 7.5% year-over-year, reaching $16.14 billion. Chubb also reported a non-GAAP profit of $7.49 per share, exceeding analysts' consensus by 21.8%, showcasing its strong position within the insurance industry.
Company Overview
Chubb, with a rich history dating back to its founding by a Civil War veteran, offers a range of insurance products, including commercial and personal property and casualty insurance, reinsurance, and life insurance. The company serves clients in 54 countries, adhering to regulatory compliance requirements across diverse markets.
Revenue and Growth Analysis
Chubb generates revenue through underwriting of insurance policies, investment of collected premiums (known as the "float"), and fees from services such as policy administration and other offerings. Over the last five years, Chubb's revenues have grown at a compound annual growth rate of 10.7%, outperforming the average for the insurance industry.
While Chubb's revenue growth has been robust, recent trends show a two-year annualized growth rate of 9.3%, slightly below its five-year average. However, this still indicates strong demand for the company's offerings. For Q3 2025, Chubb's revenue growth was 7.5% year-over-year, surpassing Wall Street estimates by 2.3%.
Net Premiums Earned
Net premiums earned, a critical metric in risk management within the insurance industry, accounted for 89.7% of Chubb’s total revenue over the past five years. This demonstrates the company's focus on its core insurance activities rather than relying on investment or fee income, which are more sensitive to market fluctuations.
Chubb recorded a 9.6% annualized growth in net premiums earned over the last five years, comparable to its overall revenue growth. Over the past two years, net premiums earned grew at an annual rate of 9.1%, highlighting the stability in its underwriting capabilities.
Q3 2025 Key Takeaways
Chubb's robust performance this quarter, marked by exceeding both revenue and earnings expectations, reflects its strength in the insurance market. Despite these positive results, the stock price remained stable at $313.43. In considering Chubb as a potential investment, it is essential to focus not only on recent quarterly outcomes but also on the company's long-term business potential and valuation.
Data sources include ICE Data Services, FactSet Research Systems Inc., and SEC filings. Rights reserved by respective data providers, TradingView, Inc., and others mentioned.