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Chubb Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Achieved record quarterly net income of $3.21B, up 24.7% year-over-year, and core operating income of $2.98B, up 21.7%.
Full-year net income reached $10.31B, up 11.2%, and core operating income was $9.95B, up 8.9%.
Consolidated net premiums written for the quarter were $13.1B, up 8.9%; full-year premiums were $54.8B, up 6.6%.
Record earnings for both Q4 and full year, with strong contributions from all business segments and geographies.
Tangible book value per share grew 25.7% for the year.
Financial highlights
Quarterly net income per share was $8.10, up 28.0%; core operating income per share was $7.52, up 25%.
Full-year net income per share was $25.68, up 13.1%; core operating income per share was $24.79, up 11%.
Q4 P&C underwriting income was $2.2B, up 40%, with a record low combined ratio of 81.2%.
Adjusted net investment income for the year rose 9% to almost $7B.
Book value per share increased 18% year-over-year to $188.59.
Outlook and guidance
Management anticipates strong growth in operating earnings and double-digit growth in EPS and tangible book value for 2026, excluding CATs and FX.
Q1 2026 adjusted net investment income expected between $1.81-$1.84B.
2026 core operating effective tax rate expected in the range of 19.5%-20%.
Commercial insurance market conditions are incrementally more competitive, but growth opportunities remain robust.
Quantify CATs & PPD impact on P&C combined ratio
Explain P&C growth strategy in competitive markets
Link investment gains to capital return strategy
Sustain NA commercial margins in 2026?
Digital transformation: key drivers for CR improvement
Implications of excess profit laws for personal lines?
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Next Chubb earnings date
Q1 202622 Apr, 2026
Chubb
Next Chubb earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
Chubb Limited provides property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.
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