Revenue: $16.14 billion vs analyst estimates of $15.77 billion (7.5% year-on-year growth, 2.3% beat)<\/p>\n
Adjusted EPS: $7.49 vs analyst estimates of $6.15 (21.8% beat)<\/p>\n
Market Capitalization: $123.8 billion<\/p>\n
Dating back to when a Civil War veteran created a frost-proof water meter, Chubb Limited (NYSE:CB) provides commercial and personal property and casualty insurance, reinsurance, and life insurance products to a diverse client base across 54 countries.<\/p>\n
In general, insurance companies earn revenue from three primary sources. The first is the core insurance business itself, often called underwriting and represented in the income statement as premiums earned. The second source is investment income from investing the \u201cfloat\u201d (premiums collected upfront not yet paid out as claims) in assets such as fixed-income assets and equities. The third is fees from various sources such as policy administration, annuities, or other value-added services. Luckily, Chubb\u2019s revenue grew at an impressive 10.7% compounded annual growth rate over the last five years. Its growth beat the average insurance company and shows its offerings resonate with customers, a helpful starting point for our analysis.<\/p>\n
![\"Chubb](\"https:\/\/www.europesays.com\/ch\/wp-content\/uploads\/2026\/03\/e14e78d79a11d8b2d60f36886d095d2c.png\")
Chubb Quarterly Revenue <\/p>\n
We at StockStory place the most emphasis on long-term growth, but within financials, a half-decade historical view may miss recent interest rate changes, market returns, and industry trends. Chubb\u2019s annualized revenue growth of 9.3% over the last two years is below its five-year trend, but we still think the results suggest healthy demand.<\/p>\n
Chubb Year-On-Year Revenue Growth <\/p>\n
This quarter, Chubb reported year-on-year revenue growth of 7.5%, and its $16.14 billion of revenue exceeded Wall Street\u2019s estimates by 2.3%.<\/p>\n
Net premiums earned made up 89.7% of the company\u2019s total revenue during the last five years, meaning Chubb barely relies on non-insurance activities to drive its overall growth.<\/p>\n
Chubb Quarterly Net Premiums Earned as % of Revenue <\/p>\n
Our experience and research show the market cares primarily about an insurer\u2019s net premiums earned growth as investment and fee income are considered more susceptible to market volatility and economic cycles.<\/p>\n
The 1999 book Gorilla Game predicted Microsoft and Apple would dominate tech before it happened. Its thesis? Identify the platform winners early. Today, enterprise software companies embedding generative AI are becoming the new gorillas. a profitable, fast-growing enterprise software stock that is already riding the automation wave and looking to catch the generative AI next<\/a>.<\/p>\n Net premiums earned are net of what\u2019s paid to reinsurers (insurance for insurance companies), which are used by insurers to protect themselves from large losses.<\/p>\n Chubb\u2019s net premiums earned has grown at a 9.6% annualized rate over the last five years, a step above the broader insurance industry but slower than its total revenue.<\/p>\n When analyzing Chubb\u2019s net premiums earned over the last two years, we can paint a similar picture as it recorded an annual growth rate of 9.1%. This performance was similar to its total revenue.<\/p>\n It was good to see Chubb beat analysts\u2019 EPS expectations this quarter. We were also glad its revenue outperformed Wall Street\u2019s estimates. Zooming out, we think this was a solid print. The stock remained flat at $313.43 immediately following the results.<\/p>\n Chubb Trailing 12-Month Net Premiums Earned <\/p>\n