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Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Chubb (CB) investor relations material
Chubb Investor Presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Presentation summary9 Dec, 2025
Financial performance and shareholder value creation
Total premium revenue grew 59% over five years to $56.4B, with P&C net premiums written up 49% and global life revenue up 136%.
Underwriting income increased 389% to $5.9B, and core operating income rose 185% to $9.4B.
Core operating ROE reached 13.2% and core operating ROTE 20.1%, both more than doubling since 2020.
Market capitalization increased 69% to $117.5B.
Sustainable value creation goals include double-digit EPS growth, 14%+ core ROE, and 20%+ core ROTE.
Diversification, global reach, and business mix
Well-diversified global P&C book: 70% commercial, 30% consumer, with strong positions in major markets.
Leading U.S. commercial lines, crop, and high-net-worth personal lines; #1 direct marketer of A&H in Asia and LatAm.
International business spans 51 countries, with 56% of international revenue from Asia.
Business mix: 60% commercial, 40% consumer; top six business areas include mid/small P&C, large P&C, personal lines, A&H, life, and E&S.
Addressable market estimated at $3.8T globally, with significant growth opportunities in Asia, LatAm, and Europe.
Underwriting, investment, and digital transformation
Superior underwriting: combined ratio outperformed peers by 7–8 points over 3–10 years.
Investment portfolio reached $166B, with a growing allocation to private assets targeting 15% of the portfolio.
Private investments, especially through the KKR partnership, are expected to drive annual operating income from ~$0.9B to ~$2B.
Digital transformation targets 70% of the organization, aiming for 20% headcount reduction and 1.5% combined ratio point expense savings.
AI and automation are being deployed across underwriting, claims, and operations to drive efficiency and growth.
Digital transformation's impact on operating model
Strategy for private investment growth
Explain crop insurance's superior risk-reward
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Q4 202528 Jan, 2026
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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.
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