The checklist Warren Buffett-style investors use. Annual numbers for 2025.
6/6Strong
PassReturn on equity 15%+Earns a lot on the money owners have in the business.15.0%
PassDebt under half of equityNot relying on borrowed money.0.21x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.17.4%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$12.8B
PassShare count not growingNot diluting owners. Falling means buybacks.-5.2% in 3 years
Revenue
$59.4B
+6.5% vs prior year
5-year growth
+10.5%/yr
revenue, per year
Total debt
$15.7B
0.21x equity
Free cash flow
$12.8B
21.6% of revenue
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Mar 31, 2026
Reported Oct 20After close5:24 pm ET
From the press release
Core Operating Income of $7.30 and $7.66, Respectively, Up 4.4% . and 0.8%;
ZURICH - October 20, 2026 - Chubb Limited (NYSE: CB) today reported net income for the quarter ended September 30, 2026 of $2.84 billion, or $7.30 per share, and core operating income of $2.98 billion, or $7.66 per share.
Effective Q3 2026, segment income and core operating income have been redefined to exclude intangible amortization expenses related to purchased intangibles other than long-term distribution agreements.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
Revenue
$14.8B
+10.6% YoY
EPS
$5.88
vs $3.29
Free cash flow
$3.9B
Share count
-2.5%
vs a year ago
Insider rating
Last 90 days
No open-market insider buys or sells in the last 90 days.
Weekly insider trend
No trades to chart yet.
Filing buzz
Last 7 days vs normal
76/ 100
This week
2
Normal week
0.6
vs normal
3.2x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady-0.5%
Institutions cut 0.5% from their holdings. 989 bought, 895 sold. 2 quarters of net selling in a row.
Shares held by institutions349.0M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
-2.2%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.2x · $16.0B debt
Shares outstandingLatest reported
388M
Earnings reports
Last 12
Next reportAround Feb 2, 2027 (est.)Estimated from the same quarter last year
Results filedOct 20
Results filedJul 21
Results filedApr 21
Results filedFeb 3
Results filedOct 21, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days