Subtext

Chubb Limited CB

SectorFinancials
Transcripts70
Date range2007-10-24 – 2025-04-23
Calls charted70

Sentiment timeline

Net Loughran-McDonald sentiment per call (×1000), earliest → latest.

-23-11+0+11+232007 Q32009 Q42012 Q12014 Q22016 Q42019 Q12021 Q22023 Q32007 Q3 · Overall: -9.52007 Q4 · Overall: -11.42008 Q1 · Overall: -12.12008 Q2 · Overall: -1.72008 Q3 · Overall: -9.52008 Q4 · Overall: -19.62009 Q1 · Overall: -9.02009 Q2 · Overall: -16.82009 Q3 · Overall: -5.02009 Q4 · Overall: -7.42010 Q1 · Overall: -11.72010 Q2 · Overall: -6.22010 Q3 · Overall: -4.22010 Q4 · Overall: -3.42011 Q1 · Overall: -1.52011 Q2 · Overall: -7.22011 Q3 · Overall: +1.62011 Q4 · Overall: -11.62012 Q1 · Overall: +1.62012 Q2 · Overall: -5.02012 Q3 · Overall: +0.02012 Q4 · Overall: +0.22013 Q1 · Overall: +4.82013 Q2 · Overall: -0.12013 Q3 · Overall: -0.62013 Q4 · Overall: -0.52014 Q1 · Overall: -3.52014 Q2 · Overall: +1.02014 Q3 · Overall: +6.22014 Q4 · Overall: +2.12015 Q1 · Overall: +0.52015 Q2 · Overall: +1.82015 Q3 · Overall: +3.02016 Q1 · Overall: +9.22016 Q2 · Overall: +4.12016 Q3 · Overall: +3.12016 Q4 · Overall: +0.12017 Q1 · Overall: +0.42017 Q2 · Overall: +4.52017 Q3 · Overall: -11.22017 Q4 · Overall: +3.62018 Q1 · Overall: -3.12018 Q2 · Overall: +1.82018 Q3 · Overall: -1.52018 Q4 · Overall: -0.12019 Q1 · Overall: -5.72019 Q2 · Overall: -1.32019 Q3 · Overall: -10.52019 Q4 · Overall: -9.72020 Q1 · Overall: -11.72020 Q2 · Overall: -8.42020 Q3 · Overall: +4.62020 Q4 · Overall: +1.52021 Q1 · Overall: +2.32021 Q2 · Overall: +2.32021 Q3 · Overall: -0.72021 Q4 · Overall: +1.02022 Q1 · Overall: -4.52022 Q2 · Overall: -10.42022 Q3 · Overall: -2.52022 Q4 · Overall: +1.92023 Q1 · Overall: +2.02023 Q2 · Overall: -3.42023 Q3 · Overall: -1.62023 Q4 · Overall: -0.62024 Q1 · Overall: -12.82024 Q2 · Overall: -4.22024 Q3 · Overall: +1.02024 Q4 · Overall: -2.12025 Q1 · Overall: -2.6
Overall

CEO vs CFO

Average sentiment of each executive's remarks per call. Divergence is a signal.

-33-16+0+16+332007 Q32009 Q42012 Q12014 Q22016 Q42019 Q12021 Q22023 Q32007 Q4 · CEO: -6.92008 Q1 · CEO: -8.22008 Q2 · CEO: +0.02008 Q3 · CEO: -5.22008 Q4 · CEO: -1.72009 Q1 · CEO: -1.62009 Q2 · CEO: -4.32009 Q3 · CEO: -3.32009 Q4 · CEO: -5.42010 Q1 · CEO: -8.82010 Q2 · CEO: -4.32010 Q3 · CEO: +7.32010 Q4 · CEO: -2.82011 Q1 · CEO: +1.72011 Q2 · CEO: -12.02011 Q3 · CEO: +8.22011 Q4 · CEO: -13.82012 Q1 · CEO: +3.12012 Q2 · CEO: +3.22012 Q3 · CEO: +7.02012 Q4 · CEO: +8.12013 Q1 · CEO: +11.82013 Q2 · CEO: +1.72013 Q3 · CEO: +3.72013 Q4 · CEO: +6.02014 Q1 · CEO: +3.72014 Q2 · CEO: +4.82014 Q3 · CEO: +7.42014 Q4 · CEO: +7.22015 Q1 · CEO: +2.92015 Q2 · CEO: +4.12015 Q3 · CEO: +6.92016 Q1 · CEO: +8.82016 Q2 · CEO: +4.52016 Q3 · CEO: +0.82016 Q4 · CEO: +0.22017 Q1 · CEO: +4.82017 Q2 · CEO: +5.92017 Q3 · CEO: -9.72017 Q4 · CEO: +7.72018 Q1 · CEO: +2.62018 Q2 · CEO: +6.12018 Q3 · CEO: +1.52018 Q4 · CEO: +7.92019 Q1 · CEO: -2.52019 Q2 · CEO: +0.82019 Q3 · CEO: -11.02019 Q4 · CEO: -7.72020 Q1 · CEO: -8.42020 Q2 · CEO: -10.22020 Q3 · CEO: +6.02020 Q4 · CEO: +3.32021 Q1 · CEO: +1.82021 Q2 · CEO: -0.92021 Q3 · CEO: -0.72021 Q4 · CEO: +4.62022 Q1 · CEO: -4.82022 Q2 · CEO: -7.62022 Q3 · CEO: -3.92022 Q4 · CEO: +3.52023 Q1 · CEO: +2.22023 Q2 · CEO: -1.22023 Q3 · CEO: +1.22023 Q4 · CEO: -4.42024 Q2 · CEO: -5.62024 Q3 · CEO: +3.72024 Q4 · CEO: -3.12025 Q1 · CEO: -1.62007 Q3 · CFO: -6.32007 Q4 · CFO: -16.32008 Q1 · CFO: -14.42008 Q2 · CFO: -13.12008 Q4 · CFO: -11.72009 Q1 · CFO: +1.52009 Q2 · CFO: +8.22009 Q3 · CFO: -3.72009 Q4 · CFO: +1.42010 Q1 · CFO: +2.62010 Q2 · CFO: +8.72010 Q3 · CFO: +3.82010 Q4 · CFO: -5.52011 Q1 · CFO: -1.62011 Q2 · CFO: +2.32011 Q3 · CFO: -9.32011 Q4 · CFO: -3.82012 Q1 · CFO: +9.42012 Q2 · CFO: -11.42012 Q3 · CFO: +6.72012 Q4 · CFO: -1.32013 Q1 · CFO: -5.62013 Q2 · CFO: +0.92013 Q3 · CFO: -17.72013 Q4 · CFO: -6.62014 Q1 · CFO: -6.02014 Q2 · CFO: -1.62014 Q3 · CFO: +5.22014 Q4 · CFO: -2.92015 Q1 · CFO: +0.02015 Q2 · CFO: -4.12015 Q3 · CFO: +2.92016 Q3 · CFO: +10.32016 Q4 · CFO: +13.62017 Q1 · CFO: -2.92017 Q2 · CFO: +10.52017 Q3 · CFO: -14.92017 Q4 · CFO: +3.02018 Q1 · CFO: +5.52018 Q2 · CFO: -11.52018 Q3 · CFO: +3.02018 Q4 · CFO: -3.32019 Q1 · CFO: +3.82019 Q2 · CFO: +3.52019 Q3 · CFO: -9.52019 Q4 · CFO: -2.72020 Q1 · CFO: -1.32020 Q2 · CFO: -10.82020 Q3 · CFO: +9.72020 Q4 · CFO: +10.92021 Q1 · CFO: +8.12021 Q2 · CFO: +19.92021 Q3 · CFO: +11.72021 Q4 · CFO: +13.12022 Q1 · CFO: +4.92022 Q2 · CFO: +1.32022 Q3 · CFO: +4.82022 Q4 · CFO: +6.42023 Q1 · CFO: +3.92023 Q2 · CFO: +2.92023 Q3 · CFO: +1.62023 Q4 · CFO: +28.52024 Q2 · CFO: +10.62024 Q3 · CFO: +8.42024 Q4 · CFO: +6.12025 Q1 · CFO: +5.3
CEOCFO

Prepared remarks vs Q&A

Scripted tone vs unscripted answers. The gap is information.

-29-14+0+14+292007 Q32009 Q42012 Q12014 Q22016 Q42019 Q12021 Q22023 Q32007 Q3 · Prepared remarks: -6.82007 Q4 · Prepared remarks: -14.52008 Q1 · Prepared remarks: -12.72008 Q2 · Prepared remarks: -3.62008 Q3 · Prepared remarks: -10.72008 Q4 · Prepared remarks: -24.92009 Q1 · Prepared remarks: -9.12009 Q2 · Prepared remarks: -18.32009 Q3 · Prepared remarks: -1.42009 Q4 · Prepared remarks: -4.92010 Q1 · Prepared remarks: -1.72010 Q2 · Prepared remarks: +0.02010 Q3 · Prepared remarks: +6.72010 Q4 · Prepared remarks: -3.52011 Q1 · Prepared remarks: -2.52011 Q2 · Prepared remarks: +2.12011 Q3 · Prepared remarks: +2.72011 Q4 · Prepared remarks: -9.92012 Q1 · Prepared remarks: +9.42012 Q2 · Prepared remarks: +3.72012 Q3 · Prepared remarks: +1.52012 Q4 · Prepared remarks: +12.02013 Q1 · Prepared remarks: +6.12013 Q2 · Prepared remarks: +6.42013 Q3 · Prepared remarks: -0.82013 Q4 · Prepared remarks: +13.12014 Q1 · Prepared remarks: -3.92014 Q2 · Prepared remarks: +6.12014 Q3 · Prepared remarks: +5.92014 Q4 · Prepared remarks: +3.02015 Q1 · Prepared remarks: +6.22015 Q2 · Prepared remarks: +6.82015 Q3 · Prepared remarks: +5.32016 Q1 · Prepared remarks: +10.52016 Q2 · Prepared remarks: +0.42016 Q3 · Prepared remarks: +3.02016 Q4 · Prepared remarks: +6.22017 Q1 · Prepared remarks: +4.72017 Q2 · Prepared remarks: +7.62017 Q3 · Prepared remarks: -9.92017 Q4 · Prepared remarks: +16.12018 Q1 · Prepared remarks: +11.82018 Q2 · Prepared remarks: +8.62018 Q3 · Prepared remarks: +6.72018 Q4 · Prepared remarks: +0.92019 Q1 · Prepared remarks: +13.02019 Q2 · Prepared remarks: +9.02019 Q3 · Prepared remarks: +0.02019 Q4 · Prepared remarks: -1.92020 Q1 · Prepared remarks: +0.02020 Q2 · Prepared remarks: -16.22020 Q3 · Prepared remarks: +10.02020 Q4 · Prepared remarks: +9.72021 Q1 · Prepared remarks: +2.72021 Q2 · Prepared remarks: +12.42021 Q3 · Prepared remarks: +2.02021 Q4 · Prepared remarks: +8.52022 Q1 · Prepared remarks: -2.32022 Q2 · Prepared remarks: -0.42022 Q3 · Prepared remarks: +0.42022 Q4 · Prepared remarks: +6.02023 Q1 · Prepared remarks: +9.52023 Q2 · Prepared remarks: +5.92023 Q3 · Prepared remarks: +3.92023 Q4 · Prepared remarks: +13.92024 Q1 · Prepared remarks: +10.22024 Q2 · Prepared remarks: +7.82024 Q3 · Prepared remarks: +8.82024 Q4 · Prepared remarks: +6.42025 Q1 · Prepared remarks: +0.52007 Q3 · Q&A responses: -11.72007 Q4 · Q&A responses: -7.02008 Q1 · Q&A responses: -6.32008 Q2 · Q&A responses: -1.72008 Q3 · Q&A responses: -6.62008 Q4 · Q&A responses: -7.72009 Q1 · Q&A responses: -3.02009 Q2 · Q&A responses: -10.92009 Q3 · Q&A responses: -14.82009 Q4 · Q&A responses: -8.52010 Q1 · Q&A responses: -13.92010 Q2 · Q&A responses: -10.12010 Q3 · Q&A responses: -7.42011 Q1 · Q&A responses: +1.22011 Q2 · Q&A responses: -9.52011 Q3 · Q&A responses: +2.32011 Q4 · Q&A responses: -13.42012 Q1 · Q&A responses: -0.32012 Q2 · Q&A responses: -4.82012 Q3 · Q&A responses: +0.42012 Q4 · Q&A responses: -3.52013 Q1 · Q&A responses: +7.52013 Q2 · Q&A responses: -0.22013 Q4 · Q&A responses: -2.42014 Q1 · Q&A responses: -2.82014 Q2 · Q&A responses: -0.62014 Q3 · Q&A responses: +7.62014 Q4 · Q&A responses: +3.82015 Q1 · Q&A responses: +1.12015 Q2 · Q&A responses: -5.32015 Q3 · Q&A responses: +4.12016 Q1 · Q&A responses: +8.02016 Q2 · Q&A responses: +7.72016 Q4 · Q&A responses: -5.12017 Q1 · Q&A responses: -1.32017 Q2 · Q&A responses: +3.92017 Q3 · Q&A responses: -11.02017 Q4 · Q&A responses: +0.02018 Q1 · Q&A responses: -6.92018 Q2 · Q&A responses: -1.72018 Q3 · Q&A responses: -8.42018 Q4 · Q&A responses: -12.02019 Q1 · Q&A responses: -14.92019 Q2 · Q&A responses: -3.42019 Q3 · Q&A responses: -15.02019 Q4 · Q&A responses: -13.92020 Q1 · Q&A responses: -13.32020 Q2 · Q&A responses: -0.92020 Q3 · Q&A responses: +3.72020 Q4 · Q&A responses: -0.72021 Q1 · Q&A responses: +0.02021 Q2 · Q&A responses: -7.52021 Q3 · Q&A responses: +0.02021 Q4 · Q&A responses: +1.52022 Q1 · Q&A responses: -4.22022 Q2 · Q&A responses: -10.02022 Q3 · Q&A responses: -4.62022 Q4 · Q&A responses: +1.52023 Q1 · Q&A responses: -2.52023 Q2 · Q&A responses: -6.92023 Q3 · Q&A responses: -0.62023 Q4 · Q&A responses: -12.62024 Q1 · Q&A responses: -18.42024 Q2 · Q&A responses: -10.02024 Q3 · Q&A responses: -0.62024 Q4 · Q&A responses: -7.82025 Q1 · Q&A responses: -2.1
Prepared remarksQ&A responses

Tone vs forward expectations

Management tone next to Wall Street's forward-looking numbers (glopardo): the 12-month forward EPS estimate and the forward P/E per call.

Forward EPS estimate

$7.57$16.22$24.872007 Q32009 Q42012 Q12014 Q22016 Q42019 Q12021 Q22023 Q32014 Q1: $8.762014 Q2: $9.052014 Q3: $9.222014 Q4: $9.322015 Q1: $9.442015 Q2: $9.372015 Q3: $9.362016 Q1: $10.042016 Q2: $10.212016 Q3: $10.182016 Q4: $10.412017 Q1: $10.512017 Q2: $10.572017 Q3: $10.642017 Q4: $10.752018 Q1: $10.972018 Q2: $10.892018 Q3: $11.042018 Q4: $11.122019 Q1: $11.012019 Q2: $10.952019 Q3: $11.032019 Q4: $11.102020 Q1: $11.222020 Q2: $10.162020 Q3: $10.012020 Q4: $11.442021 Q1: $11.952021 Q2: $12.152021 Q3: $13.462021 Q4: $14.482022 Q1: $15.212022 Q2: $16.072022 Q3: $17.142022 Q4: $18.092023 Q1: $18.672023 Q2: $19.182023 Q3: $20.092023 Q4: $21.312024 Q1: $22.202024 Q2: $22.682024 Q3: $23.002024 Q4: $23.68

Forward P/E

8.4411.7014.962007 Q32009 Q42012 Q12014 Q22016 Q42019 Q12021 Q22023 Q32014 Q1: 11.212014 Q2: 11.572014 Q3: 11.502014 Q4: 12.092015 Q1: 12.162015 Q2: 11.352015 Q3: 10.882016 Q1: 11.902016 Q2: 12.182016 Q3: 12.252016 Q4: 12.672017 Q1: 13.162017 Q2: 13.882017 Q3: 13.592017 Q4: 13.812018 Q1: 12.832018 Q2: 12.192018 Q3: 12.692018 Q4: 11.392019 Q1: 12.222019 Q2: 13.652019 Q3: 14.462019 Q4: 13.932020 Q1: 8.892020 Q2: 12.762020 Q3: 11.852020 Q4: 13.482021 Q1: 14.512021 Q2: 13.782021 Q3: 13.582021 Q4: 13.402022 Q1: 13.872022 Q2: 12.402022 Q3: 11.272022 Q4: 11.992023 Q1: 10.042023 Q2: 9.842023 Q3: 10.452023 Q4: 10.612024 Q1: 11.722024 Q2: 11.602024 Q3: 12.572024 Q4: 11.46

Divergence watch ⚑

Quarters where tone and the forward EPS estimate moved opposite ways.

  • 2014 Q4 tone ↓ -4.1 fwd EPS ↑ +0.10 Tone cooled even as the forward EPS estimate rose.
  • 2016 Q2 tone ↓ -5.1 fwd EPS ↑ +0.17 Tone cooled even as the forward EPS estimate rose.
  • 2016 Q4 tone ↓ -3.0 fwd EPS ↑ +0.23 Tone cooled even as the forward EPS estimate rose.
  • 2018 Q1 tone ↓ -6.7 fwd EPS ↑ +0.22 Tone cooled even as the forward EPS estimate rose.
  • 2018 Q3 tone ↓ -3.3 fwd EPS ↑ +0.15 Tone cooled even as the forward EPS estimate rose.
  • 2020 Q1 tone ↓ -2.0 fwd EPS ↑ +0.12 Tone cooled even as the forward EPS estimate rose.
  • 2020 Q2 tone ↑ +3.3 fwd EPS ↓ -1.06 Tone rose while the forward EPS estimate was cut.
  • 2020 Q3 tone ↑ +13.0 fwd EPS ↓ -0.16 Tone rose while the forward EPS estimate was cut.
  • 2020 Q4 tone ↓ -3.1 fwd EPS ↑ +1.43 Tone cooled even as the forward EPS estimate rose.
  • 2021 Q3 tone ↓ -3.0 fwd EPS ↑ +1.30 Tone cooled even as the forward EPS estimate rose.
  • 2022 Q1 tone ↓ -5.5 fwd EPS ↑ +0.73 Tone cooled even as the forward EPS estimate rose.
  • 2022 Q2 tone ↓ -5.9 fwd EPS ↑ +0.86 Tone cooled even as the forward EPS estimate rose.
  • 2023 Q2 tone ↓ -5.4 fwd EPS ↑ +0.52 Tone cooled even as the forward EPS estimate rose.
  • 2024 Q1 tone ↓ -12.2 fwd EPS ↑ +0.89 Tone cooled even as the forward EPS estimate rose.
  • 2024 Q4 tone ↓ -3.1 fwd EPS ↑ +0.68 Tone cooled even as the forward EPS estimate rose.

Recent transcripts

CallDateSentiment ×1000Fwd EPSFwd P/E
2025 Q12025-04-23-2.6——View →
2024 Q42025-01-29-2.1$23.6811.5View →
2024 Q32024-10-30+1.0$23.0012.6View →
2024 Q22024-07-24-4.2$22.6811.6View →
2024 Q12024-04-24-12.8$22.2011.7View →
2023 Q42024-01-31-0.6$21.3110.6View →
2023 Q32023-10-25-1.6$20.0910.4View →
2023 Q22023-07-26-3.4$19.189.8View →