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Cincinnati Financial CINF Commercial Insurance — Current accident year

Other segment segments

Excess and Surplus Lines Insurance
$444M+10.2%

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$2.8B-4.1%
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HIGGroup Insurance Policy — Current accident year
$1.38B+0.2%

Other financials

Income statement

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Revenue$2.9B+11.6%
Net income$274.0M+404%
EPS (diluted)$1.75+407%

Balance sheet

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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

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Operating cash flow$656.0M+112%
CapEx$2.0M-33.3%
Free cash flow$654.0M+113%

Valuation

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Market cap$28.64B+30.4%
Enterprise value$28.22B+29.7%
P/E10.4×-1.7×
P/S2.2×+0.3×

Profitability

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Net margin21.3%+8.1pp
FCF margin26.6%+3.0pp

Returns & leverage

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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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense.

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 insurance — current accident year?
Cincinnati Financial (CINF) reported commercial insurance — current accident year of $775M in Q4 2025.
How has Cincinnati Financial's commercial insurance — current accident year changed year-over-year?
Cincinnati Financial's commercial insurance — current accident year increased by 5.7% year-over-year, from $733.25M to $775M.
What is the long-term trend for Cincinnati Financial's commercial insurance — current accident year?
Over 4 years (2021 to 2025), Cincinnati Financial's commercial insurance — current accident year has grown at a 7.8% compound annual growth rate (CAGR), from $2.29B to $3.1B.
What does commercial insurance — current accident year mean?
Refers to the estimated losses and loss adjustment expenses incurred during the current calendar year for policies written in that same year. This metric is essential for evaluating the immediate underwriting performance and pricing adequacy of new business. It excludes development from prior years to provide a clean view of current risk exposure.