Chubb Limited delivered a strong Q1 2026 with revenue rising 10.6% YoY to $14.77B and net income surging 74.3% to $2.32B, driven by robust underwriting performance and significantly higher operating cash flow of $3.95B.
Key risk: High Financial Leverage
Chubb's debt-to-equity ratio stands at 2.65x, reflecting the capital-intensive nature of the insurance business. While typical for large insurers, elevated leverage amplifies sensitivity to adverse reserve developments, catastrophe losses, or investment portfolio deterioration. Long-term debt rose 10.1% YoY to $15.97B.
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