Chubb Limited FY 2025 10-K, explained in plain English
Key financials — as reported
| Total revenue | $59.4B |
| Gross margin | — not reported |
| Operating income | — not reported |
| Net income | $10.3B |
| Diluted EPS | $25.68 |
| Cash & equivalents | — not reported |
| Total assets | $272.3B |
| Long-term debt | $15.7B |
Key takeaway
Chubb reported $59.4 billion in revenue and $10.3 billion in net income for 2025, with diluted EPS of $25.68.
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Beneath the surface
The filing discloses detailed sensitivity tables showing that a 1-point change in workers' compensation tail-factor assumptions could shift reserves by about $1.1 billion (11.1% of related reserves), and a 5-point change in excess/umbrella liability tail factors could shift reserves by $0.9 billion (18%), underscoring significant reserve estimation risk not visible in headline net income.
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This is the free preview. The full analysis explains every line item above and includes 8 more findings — plus insider trades, activist stakes, and 8-K events for CB.
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