How has Cincinnati Financial's commercial auto line — gross losses changed year-over-year?

Cincinnati Financial's commercial auto line — gross losses increased by 15.6% year-over-year, from $874M to $1.01B.

What does commercial auto line — gross losses mean?

This represents the total losses incurred by the commercial auto segment before any reduction for reinsurance recoveries. It reflects the raw underwriting risk assumed by the company.

Cincinnati Financial CINF Commercial Auto Line — Gross losses

Other product segments

Commercial Casualty Line

$3.68B+13.2%

Workers' Compensation Line

$1.04B+1.8%

Homeowner

$622M+47.0%

Personal Auto

$522M+27.3%

Commercial Property Segment

$449M-8.9%

Similar metrics at other companies

UFCSCommercial automobile — Incurred losses and allocated loss settlement expenses, net of reinsurance

$1.9B+589%

CNACommercial Auto — Commercial

$18.5M-30.8%

KGCommercial Auto Liability — Incurred loss and LAE, net of reinsurance

118,410,600,000%+94,957,900,000pp

JRVRCommercial Auto — Total gross written premiums

$6.99M+0.5%

KNSLCommercial Auto — Gross written premiums

$12.18M+39.0%

SIGICommercial automobile — Total liabilities for unpaid loss and loss expenses, net of reinsurance

$1.33B+23.6%

Other financials

Income statement

See full

Revenue$2.9B+11.6%

Net income$274.0M+404%

EPS (diluted)$1.75+407%

Balance sheet

See full

Cash & equivalents$1.2B+19.8%

Total debt$791.0M+0.1%

Total equity$15.7B+14.6%

Total assets$41.2B+10.6%

Cash flow

See full

Operating cash flow$656.0M+112%

CapEx$2.0M-33.3%

Free cash flow$654.0M+113%

Valuation

See full

Market cap$28.64B+30.4%

Enterprise value$28.22B+29.7%

P/E10.4×-1.7×

P/S2.2×+0.3×

Profitability

See full

Net margin21.3%+8.1pp

FCF margin26.6%+3.0pp

Returns & leverage

See full

Return on equity18.7%+7.8pp

Debt / equity0.1×0.0×

Where this comes from

Reported directly by Cincinnati Financial in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForClaimsAndClaimsAdjustmentExpense.

The official record: Cincinnati Financial’s 10-K, filed February 23, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Cincinnati Financial's commercial auto line — gross losses?: Cincinnati Financial (CINF) reported commercial auto line — gross losses of $1.01B in Q4 2025.
How has Cincinnati Financial's commercial auto line — gross losses changed year-over-year?: Cincinnati Financial's commercial auto line — gross losses increased by 15.6% year-over-year, from $874M to $1.01B.
What does commercial auto line — gross losses mean?: This represents the total losses incurred by the commercial auto segment before any reduction for reinsurance recoveries. It reflects the raw underwriting risk assumed by the company.