Chubb's 2025 Financial Results: Robust Growth in Insurance Metrics

Chubb's fourth-quarter financial results for 2025 reveal robust growth across key metrics, underscoring its strong performance in the insurance industry. The company reported a consolidated net written premium of $13.1 billion, an impressive 8.9% increase compared to the prior year. Additionally, Chubb's net income rose by 24.7%, reaching $3.2 billion, up from $2.5 billion in the previous year's corresponding quarter.

Core operating income for the quarter improved significantly, reaching $2.98 billion, marking a 21.7% year-over-year increase. Earnings per share for Chubb climbed to $8.10, reflecting a notable 28% rise. These figures emphasize the company's ability to navigate regulatory compliance requirements and maintain a competitive edge in the insurance sector.

Property and Casualty Growth

The Property and Casualty (P&C) division reported significant gains, with net premiums written at $11.31 billion, a 7.7% increase. In North America, P&C premiums grew by 6.6%, bolstered by a 6.7% rise in commercial insurance and a 6.1% increase in personal insurance. The Overseas General division also saw notable growth, with a 10.8% increase driven by an 18.7% rise in consumer insurance and a 5.6% increase in commercial insurance. Key regional expansions included 14.7% in Latin America, 13% in Asia, and 7.2% in Europe.

P&C underwriting income soared to $2.2 billion, marking a 39.6% increase and reflecting an improved combined ratio of 81.2%. Additionally, the life insurance sector experienced growth with net premiums written at $1.83 billion, up 16.9%, and segment income rising by 19.3% to reach $322 million.

Annual Financial Highlights

Chubb's annual results further demonstrate its prowess in risk management and strategic growth. The company achieved a net income of $10.3 billion, marking an 11.2% increase over the previous year's $9.2 billion, with annual earnings per share up 13.1% at $25.68. Core operating income for the year was $9.95 billion, representing an 8.9% rise.

Annual consolidated net premiums written increased by 6.6% to $54.8 billion. P&C net premiums rose 5.4% to $47.56 billion, with North American contributions growing by 4.7%, including a notable 7.5% increase in personal insurance and a 3.9% rise in commercial insurance.

The Overseas General division posted a 7.5% increase for the year, supported by an 11% rise in consumer insurance and a 5.2% increase in commercial insurance. Regionally, Asia led with a 10.7% increase, followed by 6.3% in Latin America and 5.9% in Europe. Chubb's P&C underwriting income totaled $6.53 billion, an 11.6% increase, with a combined ratio of 85.7%.

Despite pre-tax catastrophe losses of $365 million in the fourth quarter, a decrease from $607 million the previous year, and $2.92 billion for the full year compared to last year's $2.39 billion, Chubb managed to maintain strong financial performance. The life insurance sector also thrived, with net premiums written growing by 15.1% to $7.28 billion, and segment income setting a record at $1.24 billion, a 13.1% increase. These achievements highlight Chubb's strategic management across diverse insurance markets and compliance with regulatory standards.