Operating
Change in loss reserves
Chubb Change in loss reserves increased by 4361.9% to $1.87B in Q3 2025 compared to the prior quarter. Year-over-year, this metric declined by 1.6%, from $1.90B to $1.87B. Over 2 years (FY 2021 to FY 2024), Change in loss reserves shows a downward trend with a -11.2% CAGR.
Analysis
StatementCash Flow Statement
SectionOperating
CategoryRisk
SignalContext dependent
VolatilityModerate
First reportedQ1 2013
Last reportedQ3 2025
How to read this metric
An increase provides a cash flow benefit (float) and suggests growing business volume or conservative reserving, while a decrease may indicate high claim payouts.
Detailed definition
The net change in the estimated liability for unpaid claims and claim adjustment expenses within insurance operations. A...
Peer comparison
This is a critical metric for P&C insurers like Progressive or Allstate to measure the 'float' available for investment.
Metric ID:
cf_change_in_loss_reservesHistorical Data
17 periods
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $797.00M | $2.74B | $884.00M | $957.00M | $1.02B | $2.87B | -$14.00M | $575.00M | $2.71B | $200.00M | $175.00M | $2.16B | $1.90B | $325.00M | $1.18B | $42.00M | $1.87B |
| QoQ Change | — | +244.0% | -67.8% | +8.3% | +6.9% | +180.4% | -100.5% | >999% | +371.1% | -92.6% | -12.5% | >999% | -12.0% | -82.9% | +263.7% | -96.4% | >999% |
| YoY Change | — | — | — | — | +28.4% | +4.6% | -101.5% | -43.8% | -5.5% | — | >999% | +276.2% | -29.7% | +62.5% | +575.4% | -98.1% | -1.6% |
Range-$14.00M – $2.87B
CAGR+23.8%
Avg YoY Growth+168.1%
Median YoY Growth+1.5%
Change in loss reserves at Other Companies
Frequently Asked Questions
- What is Chubb's change in loss reserves?
- Chubb (CB) reported change in loss reserves of $1.87B in Q3 2025.
- How has Chubb's change in loss reserves changed year-over-year?
- Chubb's change in loss reserves decreased by 1.6% year-over-year, from $1.90B to $1.87B.
- What is the long-term trend for Chubb's change in loss reserves?
- Over 2 years (2021 to 2024), Chubb's change in loss reserves has grown at a -11.2% compound annual growth rate (CAGR), from $5.79B to $4.57B.
- What does change in loss reserves mean?
- The change in the amount of money an insurance company sets aside to pay for future customer claims.