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Here's What Key Metrics Tell Us About Chubb (CB) Q3 Earnings
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For the quarter ended September 2026, Chubb (CB - Free Report) reported revenue of $16.81 billion, up 4.2% over the same period last year. EPS came in at $7.66, compared to $7.49 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $16.72 billion, representing a surprise of +0.55%. The company delivered an EPS surprise of +17.31%, with the consensus EPS estimate being $6.53.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:
Combined ratio: 84.1% versus the seven-analyst average estimate of 87.2%.
Total P&C (Property and Casualty) - Expense Ratio: 25.4% versus the seven-analyst average estimate of 25.6%.
Loss and loss expense ratio: 58.7% versus 61.6% estimated by seven analysts on average.
North America Agricultural Insurance - Loss and loss expense ratio: 83.8% compared to the 85.2% average estimate based on six analysts.
Net premiums written: $15.14 billion compared to the $15.12 billion average estimate based on seven analysts. The reported number represents a change of +1.9% year over year.
Net premiums written- North America Commercial P&C Insurance: $5.51 billion compared to the $5.71 billion average estimate based on six analysts. The reported number represents a change of -2.7% year over year.
Net premiums written- North America Agricultural Insurance: $1.53 billion compared to the $1.5 billion average estimate based on six analysts. The reported number represents a change of +5.1% year over year.
Net premiums earned- Global Reinsurance: $287 million compared to the $300.13 million average estimate based on six analysts. The reported number represents a change of -8.9% year over year.
Net premiums earned- North American Commercial P&C Insurance: $5.22 billion versus $5.28 billion estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +2.8% change.
Net premiums earned- North American Personal P&C Insurance: $1.85 billion compared to the $1.85 billion average estimate based on six analysts. The reported number represents a change of +6% year over year.
Net premiums earned- North America Agricultural Insurance: $1.56 billion versus the six-analyst average estimate of $1.58 billion. The reported number represents a year-over-year change of +4.3%.
Net premiums earned- Overseas General Insurance: $4.05 billion versus $4.06 billion estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +6.6% change.
Shares of Chubb have returned +5.6% over the past month versus the Zacks S&P 500 composite's +0.7% 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.
View the Zacks #1 Rank List
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Here's What Key Metrics Tell Us About Chubb (CB) Q3 Earnings
For the quarter ended September 2026, Chubb (CB - Free Report) reported revenue of $16.81 billion, up 4.2% over the same period last year. EPS came in at $7.66, compared to $7.49 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $16.72 billion, representing a surprise of +0.55%. The company delivered an EPS surprise of +17.31%, with the consensus EPS estimate being $6.53.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:View all Key Company Metrics for Chubb here>>>
Shares of Chubb have returned +5.6% over the past month versus the Zacks S&P 500 composite's +0.7% 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.