Allowance for credit losses
Cincinnati Financial Allowance for credit losses remained flat by 0.0% to $54.00M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 54.3%, from $35.00M to $54.00M. Over 3 years (FY 2022 to FY 2025), Allowance for credit losses shows an upward trend with a 278.0% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase suggests higher expected defaults or a more conservative risk assessment, while a decrease suggests improved borrower creditworthiness.
Detailed definition
A contra-asset account representing the estimated amount of uncollectible loans and receivables within the company's len...
Peer comparison
Standard for financial institutions; peers with higher-risk loan portfolios will typically maintain higher allowance ratios.
bank_allowance_for_credit_lossesHistorical Data
| Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $1.00M | $1.00M | $1.00M | $4.00M | $3.00M | $18.00M | $27.00M | $43.00M | $39.00M | $33.00M | $35.00M | $47.00M | $41.00M | $54.00M | $54.00M |
| QoQ Change | — | +0.0% | +0.0% | +300.0% | -25.0% | +500.0% | +50.0% | +59.3% | -9.3% | -15.4% | +6.1% | +34.3% | -12.8% | +31.7% | +0.0% |
| YoY Change | — | — | — | — | +200.0% | >999% | >999% | +975.0% | >999% | +83.3% | +29.6% | +9.3% | +5.1% | +63.6% | +54.3% |
| % of Net loans | 1.1% | 1.1% | 1.1% | 4.1% | 2.9% | 16.7% | 25.5% | 38.7% | 33.6% | — | — | — | — | — | — |
| Share Change | — | -0.1pp | -0.0pp | +3.0pp | -1.2pp | +13.8pp | +8.8pp | +13.3pp | -5.1pp | — | — | — | — | — | — |
Allowance for credit losses at Other Companies
Frequently Asked Questions
- What is Cincinnati Financial's allowance for credit losses?
- Cincinnati Financial (CINF) reported allowance for credit losses of $54.00M in Q1 2026.
- How has Cincinnati Financial's allowance for credit losses changed year-over-year?
- Cincinnati Financial's allowance for credit losses increased by 54.3% year-over-year, from $35.00M to $54.00M.
- What is the long-term trend for Cincinnati Financial's allowance for credit losses?
- Over 3 years (2022 to 2025), Cincinnati Financial's allowance for credit losses has grown at a 278.0% compound annual growth rate (CAGR), from $1.00M to $54.00M.
- What does allowance for credit losses mean?
- The reserve set aside to cover potential losses from loans that may not be repaid.