)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Chubb (CB) investor relations material
Chubb Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for Q3 2025 was $2.8B, up 20.5% year-over-year, with record core operating income of $3B, up 29%, and EPS of $7.49, up 31%, driven by strong underwriting, investment results, and broad-based premium growth.
Consolidated net premiums written increased 7.5% to $14.87B, with P&C up 5.3% and Life Insurance up 24.6%.
Broad-based growth across geographies (North America, Asia, Latin America, Europe) and customer segments (consumer, commercial, life, A&H).
Diversified business mix and disciplined cycle management support long-term profitable growth and increased return on equity.
Operating cash flow for the quarter was $3.64B, with adjusted operating cash flow at $4.51B.
Financial highlights
P&C underwriting income reached $2.3B, up 55% year-over-year, with a record combined ratio of 81.8%, 6 points better than last year.
Net investment income for Q3 2025 was $1.65B, up 9.3%; adjusted net investment income was $1.78B, up 8.3%.
Book value per share increased 4.7% sequentially to $182.22; tangible book value per share rose 6.6% to $120.13.
Total company premiums grew 7.5% (consumer up 16%, commercial up 3.3%); life insurance premiums up 24.5%.
Net realized gains for Q3 2025 were $283M, up 43.2% year-over-year.
Outlook and guidance
Management expects continued double-digit EPS, book value, and tangible book value growth, with core operating ROE targeted at 14%+ over the medium term.
Adjusted net investment income for Q4 projected between $1.775B and $1.81B.
Core operating effective tax rate for the full year expected in the 19.5% to 20% range.
Pre-tax interest expense for full year 2025 expected to be approximately $785M.
No material changes to risk factors or critical accounting estimates since year-end 2024.
Underlying P&C loss ratio improvement drivers?
Future share buyback strategy?
Impact of one-time items on Q3 growth?
North America E&S growth drivers?
Path to 14%+ ROE without aggressive buybacks?
What sustains Chubb's strong performance?
How will Chubb achieve 14%+ ROE target?
North America commercial P&C pricing trends
Digital/AI impact on expenses and headcount
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Chubb earnings date
Q4 202528 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Chubb Limited provides property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage