Chubb (CB) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

For the quarter ended September 2025, Chubb (CB) reported revenue of $16.14 billion, up 7.5% over the same period last year. EPS came in at $7.49, compared to $5.72 in the year-ago quarter.The reported revenue represents a surprise of +1.61% over the Zacks Consensus Estimate of $15.88 billion. With the consensus EPS estimate being $5.94, the EPS surprise was +26.09%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how Chubb performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Loss and loss expense ratio: 56.7% compared to the 62.4% average estimate based on seven analysts.Combined ratio: 81.8% versus the seven-analyst average estimate of 87.7%.North America Agricultural Insurance - Combined ratio: 88% versus 92.2% estimated by six analysts on average.North America Agricultural Insurance - Loss and loss expense ratio: 81.9% compared to the 86.3% average estimate based on six analysts.Net premiums written- North American Personal P&C Insurance: $1.81 billion versus $1.79 billion estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +8% change.Net investment income- Overseas General Insurance: $288 million compared to the $303.16 million average estimate based on six analysts. The reported number represents a change of +0.7% year over year.Net investment income- Global Reinsurance: $100 million versus the six-analyst average estimate of $72.62 million. The reported number represents a year-over-year change of +56.3%.Net premiums written- Total P&C: $12.93 billion compared to the $12.93 billion average estimate based on six analysts. The reported number represents a change of +5.4% year over year.Net premiums written- Global Reinsurance: $304 million versus the six-analyst average estimate of $369.68 million. The reported number represents a year-over-year change of -13.6%.Net premiums written- Overseas General Insurance: $3.7 billion versus $3.63 billion estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +9.7% change.Net investment income- North America Agricultural Insurance: $20 million versus the six-analyst average estimate of $20.95 million. The reported number represents a year-over-year change of 0%.Net premiums earned- Total P&C (Property and Casualty): $12.43 billion compared to the $12.51 billion average estimate based on six analysts. The reported number represents a change of +5% year over year.View all Key Company Metrics for Chubb here>>>Shares of Chubb have returned -1.8% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They includeStock #1: A Disruptive Force with Notable Growth and ResilienceStock #2: Bullish Signs Signaling to Buy the DipStock #3: One of the Most Compelling Investments in the MarketStock #4: Leader In a Red-Hot Industry Poised for GrowthStock #5: Modern Omni-Channel Platform Coiled to SpringMost of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.Download Atomic Opportunity: Nuclear Energy's Comeback free today.Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Chubb Limited (CB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks