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Cincinnati Financial CINF Commercial Insurance — Prior accident years

Other segment segments

Excess and Surplus Lines Insurance
-$8M+11.1%
Personal Insurance
-$7M+63.2%

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-$15.06M-7.7%

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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense.

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 — prior accident years?
Cincinnati Financial (CINF) reported commercial insurance — prior accident years of -$53M in Q1 2026.
How has Cincinnati Financial's commercial insurance — prior accident years changed year-over-year?
Cincinnati Financial's commercial insurance — prior accident years decreased by 23.3% year-over-year, from -$43M to -$53M.
What is the long-term trend for Cincinnati Financial's commercial insurance — prior accident years?
Over 4 years (2021 to 2025), Cincinnati Financial's commercial insurance — prior accident years has grown at a -22.1% compound annual growth rate (CAGR), from -$353M to -$130M.
What does commercial insurance — prior accident years mean?
This metric represents the development of claims and loss reserves from insurance policies written in previous reporting periods. It reflects the accuracy of initial loss estimates and the impact of subsequent adjustments to those reserves as claims are settled or re-evaluated over time.