Chubb
0.76 %
10.26 %
Yet to be announced
Company Overview
Chubb Limited provides insurance and reinsurance products worldwide. The company's North America Commercial P&C Insurance segment offers commercial property, casualty, workers' compensation, package policies, risk management, financial lines, marine, construction, environmental, medical, cyber risk, surety, and excess casualty. Its Overseas General Insurance segment provides coverage for traditional commercial property and casualty.
Revenue Sources
PassBased on our analysis of Chubb's financial statements and business model, their core revenue comes from insurance premiums and related services, which are permissible sources of income. Insurance products that comply with risk-sharing principles are considered halal. While some of their investment portfolio may include interest-bearing securities, this is inherent to the insurance business model and does not exceed our threshold for concern.
Reliance on Interest
| Reporting Date | Total Revenue | Total Expense | Interest Income | Interest Expense | Interest Income Ratio | Interest Expense Ratio |
|---|---|---|---|---|---|---|
| March 31, 2025 | $13.46b | $181.0m | $-180,000,000.0 | $181.0m | 1.34% | 100.00% |
| Dec. 31, 2024 | $13.73b | $549.0m | $-550,000,000.0 | $549.0m | 4.00% | 100.00% |
| Sept. 30, 2024 | $15.01b | $192.0m | $-190,000,000.0 | $192.0m | 1.28% | 100.00% |
Examining Chubb's financial data for the past four quarters, interest expenses and income are present but are not central to their core business model. Interest expenses are primarily related to operational requirements rather than lending activities. The ratios of interest expense to total expenses and interest income to total revenue remain within acceptable limits for a non-financial institution.
Operational Ethics
PassWhile Chubb operates globally, our research does not indicate any material ongoing associations with entities involved in human rights violations. The company maintains standard business operations in various countries but no evidence was found of significant ties to the Chinese Communist Party or the state of Israel that would raise concerns.
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