What does excess and surplus lines insurance — 3 mean?

Represents the underwriting, acquisition, and insurance expenses incurred by the segment, excluding loss costs. This captures the operational efficiency and the cost of acquiring new business.

Cincinnati Financial CINF Excess and Surplus Lines Insurance — 3

Similar metrics at other companies

JRVRExcess and Surplus Lines — SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information, Other Operating Expense

$35.49M+0.7%

JRVRExcess & Surplus Lines — Underwriting Profit Loss Of Operating Segments

$4.66M-60.1%

JRVRExcess & Surplus Lines — Underwriting Profit (Loss)

$4.66M-60.1%

JRVRExcess and Surplus Lines — Assumed from Other Companies

$0—

JRVRExcess & Surplus Lines — All other operating expenses

$5.96M+15.5%

JRVRExcess & Surplus Lines — Other Cost and Expense, Operating

$37.59M+2.8%

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

See full

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

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 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?: Represents the underwriting, acquisition, and insurance expenses incurred by the segment, excluding loss costs. This captures the operational efficiency and the cost of acquiring new business.