Chubb has reported net income of $3.2bn for the fourth quarter of 2025 (Q4 2025), an increase of 24.7% from $2.5bn in the same period last year.
The insurer’s core operating income reached $2.98bn, constituting 21.7% growth year over year (YoY).
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Earnings per share for the quarter were $8.10, up 28%.
Consolidated net premiums written for the quarter totalled $13.1bn, an increase of 8.9% YoY.
Property and casualty (P&C) net premiums written reached $11.31bn, an increase of 7.7%.
In North America, P&C premiums rose 6.6%, with commercial insurance up 6.7% and personal insurance 6.1%.
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By GlobalDataOverseas General saw growth of 10.8%, driven by an 18.7% rise in consumer insurance and a 5.6% increase in commercial insurance. By region, Latin America grew by 14.7%, Asia by 13% and Europe by 7.2%.
P&C underwriting income came in at $2.2bn, up 39.6%, with a combined ratio of 81.2%.
Life Insurance net premiums written reached $1.83bn, up 16.9%, with segment income at $322m, an increase of 19.3%.
Pre-tax catastrophe losses for the quarter were $365m, compared to $607m last year.
For the full year 2025, Chubb reported net income of $10.3bn, up 11.2% from the previous year’s $9.2bn.
The insurer’s annual earnings per share stood at $25.68, an increase of 13.1%.
Core operating income for the year was $9.95bn, up 8.9%, while consolidated net premiums written totalled $54.8bn, rising by 6.6%.
Annual P&C net premiums written were $47.56bn, an increase of 5.4%.
In North America, growth was recorded at 4.7%, personal insurance rose by 7.5% and commercial insurance by 3.9%.
Overseas General increased by 7.5%, with consumer insurance up 11% and commercial insurance up 5.2%. Asia grew by 10.7%, Latin America by 6.3% and Europe by 5.9%.
P&C underwriting income for the year was $6.53bn, reflecting an increase of 11.6% with a combined ratio of 85.7%.
For the full year, pre-tax catastrophe losses were reported at $2.92bn, compared to $2.39bn last year.
Life Insurance net premiums written rose to $7.28bn for the year, an increase of 15.1%, with segment income at a record $1.24bn, up by 13.1%.
