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Zurich, Switzerland-based Chubb Limited (CB) is the world's largest publicly traded property and casualty insurance company. With a market cap of approximately $118 billion, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients.
The insurance giant has slightly underperformed the broader market over the past year, but notably outperformed in 2025. CB stock has gained 11.1% over the past 52 weeks and 6.5% on a YTD basis, compared to the S&P 500 Index’s ($SPX) 12.5% surge over the past year and 1.3% uptick in 2025.
Narrowing the focus, Chubb has notably underperformed the industry-focused Invesco KBW Property & Casualty Insurance ETF’s (KBWP) 17% gains over the past 52 weeks and 7.3% returns on a YTD basis.
Chubb’s stock prices dropped more than 2% in the trading session after the release of its mixed Q1 results on Apr. 22. The company’s premium collections have remained on an upward trajectory. On a constant currency basis, its P&C insurance net premiums increased by 5%, while its life insurance net premiums surged 10.3% compared to the year-ago quarter. However, due to a strong dollar during the quarter, its total revenues on a GAAP basis increased by a modest 3.6% year-over-year to $13.4 billion, missing the Street’s expectations by a large margin.
Furthermore, the company’s bottom line was severely impacted by catastrophe losses of $1.6 billion incurred during the quarter due to California wildfires. Its GAAP-based net income plunged 37.9% year-over-year to $1.3 billion. Meanwhile, its non-GAAP core operating income dropped 30.2% year-over-year to $3.68 per share.
For the current fiscal year 2025, ending in December, analysts expect Chubb to report a 5.6% year-over-year decline in core operating income per share to $21.25. On a more positive note, the company has a robust earnings surprise history. It has surpassed the Street’s earnings projections in each of the past four quarters.
Among the 22 analysts covering the CB stock, the consensus rating is a “Moderate Buy.” That’s based on 10 “Strong Buys,” two “Moderate Buys,” eight “Holds,” one “Moderate Sell,” and one “Strong Sell.”
This configuration is slightly less bullish than three months ago, when 11 analysts gave “Strong Buy” recommendations.
On Apr. 28, UBS (UBS) analyst Brian Meredith reiterated a “Neutral” rating on CB stock, while raising the price target to $304.
As of writing, Chubb’s mean price target of $308.38 represents a modest 4.8% premium to current price levels, while its street-high target of $340 suggests a notable 15.5% upside potential.
