Business Segments · 3
Excess and Surplus Lines Insurance — 3
Cincinnati Financial Excess and Surplus Lines Insurance — 3 remained flat by 0.0% to 16.2% in Q4 2025 compared to the prior quarter. Year-over-year, this metric was flat by 0.0%, from 16.2% to 16.2%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityStable
First reportedQ4 2016
Last reportedQ4 2025
How to read this metric
Lower expenses relative to premiums indicate higher operational efficiency and better underwriting margins.
Detailed definition
Represents the underwriting, acquisition, and insurance expenses incurred by the segment, excluding loss costs. This cap...
Peer comparison
Standard industry metric; peers report this as 'Underwriting Expenses'.
Metric ID:
cinf_segment_excess_and_surplus_lines_insurance_3Historical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 17.6% | 18.1% | 17.4% | 16.2% | 16.2% |
| QoQ Change | — | +2.8% | -3.9% | -6.9% | +0.0% |
| YoY Change | — | +2.8% | -3.9% | -6.9% | +0.0% |
Range16.2% – 18.1%
CAGR-8.0%
Avg YoY Growth-2.0%
Median YoY Growth-1.9%
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Frequently Asked Questions
- What is Cincinnati Financial's excess and surplus lines insurance — 3?
- Cincinnati Financial (CINF) reported excess and surplus lines insurance — 3 of 16.2% in Q4 2025.
- How has Cincinnati Financial's excess and surplus lines insurance — 3 changed year-over-year?
- Cincinnati Financial's excess and surplus lines insurance — 3 decreased by 0.0% year-over-year, from 16.2% to 16.2%.
- What does excess and surplus lines insurance — 3 mean?
- The operational and acquisition costs associated with running the insurance segment.