---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-23-020380"
form_type: "8-K"
ticker: "CB"
cik: "0000896159"
company_name: "Chubb Ltd"
filed_at: "2023-01-31T23:59:59+00:00"
generated_at: "2026-06-20T06:12:50.401521+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Chubb Q4 core EPS $4.05 vs $3.81 YoY; full-year record core operating income $15.24 per share

## Summary
- Q4 consolidated net premiums written $10.2B, up 11.9% (16.0% constant currency); P&C premiums up 9.8% constant.
- P&C combined ratio 88.0% (Q4) and 87.6% (FY); agriculture true-up $107M underwriting loss in Q4.
- Full-year core operating income $6.46B, up 15.9%; record adjusted net investment income $4.02B.
- Life insurance net premiums written $1.21B in Q4, up 92% (100.8% constant) driven by Cigna Asia acquisition.
- Book value per share $121.90, up 6.2% from Q3; tangible BV $72.20, up 9.5%.

## SEC filing metadata
- accession: 0001193125-23-020380
- form_type: 8-K
- ticker: CB
- cik: 0000896159
- company_name: Chubb Ltd
- filed_at: 2023-01-31T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/896159/000119312523020380/0001193125-23-020380-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/896159/000119312523020380/d46261d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-020380
- JSON: https://secwatch.observer/filing/0001193125-23-020380.json
- Plain text: https://secwatch.observer/filing/0001193125-23-020380.txt

## Key facts
- Earnings Releases
  Chubb Ltd reported the quarter ended December 31, 2022 results: revenue $10.2 billion, net income $1.31 billion, EPS $3.13 per share.
  - Period: the quarter ended December 31, 2022
  - Revenue: $10.2 billion
  - Net income: $1.31 billion
  - EPS: $3.13 per share
  - Result: reported results
  source text: Up 10.3%; P&C Combined Ratio of 87.6% QUARTER ● Fourth quarter net income was $1.31 billion and core operating income was $1.70 billion. ● Consolidated net premiums written were $10.2 billion, up 11.9%, or 16.0% in constant dollars. P&C net premiums written were up 5.9%, or 9.8% in constant dollars, with commercial lines up 10.4% and consumer/personal lines up 8.1%.
  evidence_url: https://www.sec.gov/Archives/edgar/data/896159/000119312523020380/0001193125-23-020380-index.htm
- Earnings Releases
  Chubb Ltd reported the year ended December 31, 2022 results: revenue $41.8 billion, net income $5.31 billion, EPS $12.55 per share.
  - Period: the year ended December 31, 2022
  - Revenue: $41.8 billion
  - Net income: $5.31 billion
  - EPS: $12.55 per share
  - Result: reported results
  source text: net income was $5.31 billion versus $8.54 billion prior year. Core operating income was a record $6.46 billion, up 15.9%. ● Full-year consolidated net premiums written were $41.8 billion, up 10.3%, or 13.0% in constant dollars. P&C net premiums written were up 7.7%, or 10.3% in constant dollars, with commercial lines up 11.0% and consumer/personal lines up 8.4%.
  evidence_url: https://www.sec.gov/Archives/edgar/data/896159/000119312523020380/0001193125-23-020380-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.