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Cincinnati Financial CINF Commercial Insurance — Insurance losses and contract holders' benefits

Other segment segments

Personal Insurance
$607M-28.3%
Excess and Surplus Lines Insurance
$110M+11.1%
Life Insurance Segment
$84M+3.7%

Similar metrics at other companies

American International Group logo
AIGInternational Commercial — Policy and Contract Claims
$0
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AIGInternational Commercial — Losses and Loss Expenses Incurred
$1.2B+7.1%
Progressive logo
PGRCommercial Lines Segment — Benefits, claims, losses, and settlement expenses
$1.82B-4.1%
Allstate logo
ALLBenefits, Losses and Expenses
$13.83B-12.1%
Arch Capital Group logo
ACGLBenefits, Losses and Expenses
$3.41B-14.6%
CNA Financial logo
CNACommercial — Policyholder Benefits and Claims Incurred, Net
$1.08B+6.9%

Other financials

Income statement

See full
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

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:PolicyholderBenefitsAndClaimsIncurredNet.

The official record: Cincinnati Financial’s 10-Q, filed April 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Cincinnati Financial's commercial insurance — insurance losses and contract holders' benefits?
Cincinnati Financial (CINF) reported commercial insurance — insurance losses and contract holders' benefits of $847M in Q1 2026.
How has Cincinnati Financial's commercial insurance — insurance losses and contract holders' benefits changed year-over-year?
Cincinnati Financial's commercial insurance — insurance losses and contract holders' benefits increased by 15.2% year-over-year, from $735M to $847M.
What is the long-term trend for Cincinnati Financial's commercial insurance — insurance losses and contract holders' benefits?
Over 3 years (2022 to 2025), Cincinnati Financial's commercial insurance — insurance losses and contract holders' benefits has grown at a 2.5% compound annual growth rate (CAGR), from $2.76B to $2.97B.
What does commercial insurance — insurance losses and contract holders' benefits mean?
This metric captures the total costs incurred from insurance claims and the associated benefits paid to policyholders. It represents the primary cost of goods sold for an insurance company, reflecting the actual impact of insured events.