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Chubb cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$6.1B in Q3 2026 · $17.8B over twelve months

Operating cash flow$6.1B
Free cash flow+$6.1B
Cash / net income2.2×

Analysis

In Q3 2026, Chubb generated $6.1B of operating cash flow. That is $2.4B more than in Q3 2025 ($3.6B).

Over the twelve months to Sep 30, 2026, operating cash flow was $17.8B; the largest uses were other investing ($12.2B), buybacks ($4.4B), dividends ($1.5B); besides operations, cash came from net borrowing (+) / repaid (−) ($1.2B), shares issued ($369M); the cash balance rose by $556M.

Operating cash flow was $6.1B against net income of $2.7B — 2.2× profit, cash ran ahead of reported earnings. The largest differences: other operating capital +$238M, payables +$110M, income taxes payable +$45.0M.

Free cash flow

Chubb: free cash flow by quarterChubb: free cash flow by quarter$4.6BQ4 2024$1.6BQ1 2025$3.6BQ2 2025$3.6BQ3 2025$4.1BQ4 2025$3.9BQ1 2026$3.7BQ2 2026$6.1BQ3 2026
Operating cash flow less capital spending.
Chubb: operating cash flow against capital spendingChubb: operating cash flow against capital spendingOperating cash flowCapital spending$4.6B$0Q4 2024$1.6B$0Q1 2025$3.6B$0Q2 2025$3.6B$0Q3 2025$4.1B$0Q4 2025$3.9B$0Q1 2026$3.7B$0Q2 2026$6.1B$0Q3 2026
Latest (Q3 2026): Operating cash flow $6.1B, Capital spending $0.

Capital allocation, year by year

Chubb: where the cash came from (up) and went (down), by fiscal yearChubb: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAcquisitionsBuybacksDividendsFY2021: Operating cash flow $11.2BFY2021: Net borrowing $1.6BFY2021: Shares issued $253MFY2021: Acquisitions −$1.2BFY2021: Buybacks −$4.9BFY2021: Dividends −$1.4B$13.0BFY2021FY2022: Operating cash flow $11.3BFY2022: Net borrowing −$998MFY2022: Shares issued $216MFY2022: Acquisitions −$5.2BFY2022: Buybacks −$2.9BFY2022: Dividends −$1.4B$11.5BFY2022FY2023: Operating cash flow $12.6BFY2023: Net borrowing −$219MFY2023: Shares issued $158MFY2023: Acquisitions −$34.0MFY2023: Buybacks −$2.4BFY2023: Dividends −$1.4B$12.8BFY2023FY2024: Operating cash flow $16.2BFY2024: Net borrowing $654MFY2024: Shares issued $295MFY2024: Acquisitions −$538MFY2024: Buybacks −$1.8BFY2024: Dividends −$1.4B$17.1BFY2024FY2025: Operating cash flow $12.8BFY2025: Net borrowing $2.2BFY2025: Shares issued $257MFY2025: Acquisitions −$289MFY2025: Buybacks −$3.7BFY2025: Dividends −$1.5B$15.3BFY2025
Over these 5 years operating cash flow totalled $64.0B; the largest uses were buybacks ($15.7B) and acquisitions ($7.2B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$3.0B
Debt$18.7B
Net debt$15.6B

Chubb funds itself: free cash flow was $17.8B over the last twelve months, and $3.0B of cash and investments stands against $18.7B of debt.

Where the cash came from and went

Chubb: sources (+) and uses (−) of cash, Q3 2026Chubb: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$6.1BOther investing−$4.7BBuybacks−$1.0BDividends−$398MNet borrowing (+) / repaid (−)$306MCash drawn (+) / kept (−)−$257MOther financing−$96.0MExchange rates$75.0MShares issued$57.0M
Chubb: sources (+) and uses (−) of cash, TTM to Q3 2026Chubb: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$17.8BOther investing−$12.2BBuybacks−$4.4BDividends−$1.5BNet borrowing (+) / repaid (−)$1.2BOther financing−$610MCash drawn (+) / kept (−)−$556MShares issued$369MExchange rates$26.0MAcquisitions−$25.0M

From profit to cash

Chubb: net income to operating cash flow, Q3 2026Chubb: net income to operating cash flow, Q3 2026Net income$2.7BPayables$110MIncome taxes payable$45.0MOther operating capital$238MOperating cash flow$6.1B
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$6.1B—−$1.0B−$398M$306M$57.0M−$257M$6.1B
Q2 2026$3.7B—−$1.1B−$379M$348M$77.0M−$119M$3.7B
Q1 2026$3.9B—−$1.2B−$380M$501M$118M−$164M$3.9B
Q4 2025$4.1B—−$1.2B−$384M$23.0M$117M−$16.0M$4.1B
Q3 2025$3.6B—−$1.1B−$390M$2.5B$21.0M−$83.0M$3.6B
Q2 2025$3.6B−$289M−$746M−$365M$182M$91.0M−$121M$3.6B
Q1 2025$1.6B—−$691M−$366M−$437M$98.0M$299M$1.6B
Q4 2024$4.6B—−$450M−$367M−$1.1B$54.0M$129M$4.6B

Chubb: income statement and cash flow

Chubb, Q3 2026: revenue $16.2B (+0.3% year over year), operating margin 21.0%. The chart follows the revenue to costs, profit and cash.

Chubb: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.