What does commercial insurance — unearned premiums mean?

Unearned premiums represent the portion of written premiums that have been collected but for which the insurance coverage period has not yet expired. This liability reflects the company's obligation to provide future coverage to policyholders.

Cincinnati Financial CINF Commercial Insurance — Unearned premiums

Similar metrics at other companies

CNACommercial — Unearned premiums

$3.45B+2.6%

EIGInsurance Operations — Unearned premiums

$391.9M-2.6%

AXSInsurance — Unearned premiums

$4.33B+12.3%

AIGInternational Commercial — Unearned Premiums

$6.31B+9.4%

AFGProperty and casualty insurance — Unearned premiums

$3.74B+4.2%

ACGLInsurance — Unearned Premiums

$5.2B+7.0%

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

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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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersUnearnedPremiums.

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 — unearned premiums?: Cincinnati Financial (CINF) reported commercial insurance — unearned premiums of $2.44B in Q4 2025.
How has Cincinnati Financial's commercial insurance — unearned premiums changed year-over-year?: Cincinnati Financial's commercial insurance — unearned premiums increased by 5.6% year-over-year, from $2.31B to $2.44B.
What does commercial insurance — unearned premiums mean?: Unearned premiums represent the portion of written premiums that have been collected but for which the insurance coverage period has not yet expired. This liability reflects the company's obligation to provide future coverage to policyholders.