What does excess and surplus lines insurance — 4 mean?

Represents the total insurance losses and contract holders' benefits incurred by the segment during the period. This is the primary cost of claims that directly impacts the underwriting profit.

Cincinnati Financial CINF Excess and Surplus Lines Insurance — 4

Similar metrics at other companies

JRVRExcess & Surplus Lines — Underwriting Profit (Loss)

$4.66M-60.1%

JRVRExcess & Surplus Lines — Underwriting Profit Loss Of Operating Segments

$4.66M-60.1%

JRVRExcess and Surplus Lines — Incurred losses and loss adjustment expenses, net of reinsurance

$2.72B+554%

KNSLExcess and Surplus Lines Segment — Net Income

$112.55M+26.1%

JRVRExcess & Surplus Lines — Investment Income

$1.82M+807%

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

$35.49M+0.7%

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

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 — 4?: Cincinnati Financial (CINF) reported excess and surplus lines insurance — 4 of 15.8% in Q4 2025.
How has Cincinnati Financial's excess and surplus lines insurance — 4 changed year-over-year?: Cincinnati Financial's excess and surplus lines insurance — 4 increased by 0.6% year-over-year, from 15.7% to 15.8%.
What does excess and surplus lines insurance — 4 mean?: Represents the total insurance losses and contract holders' benefits incurred by the segment during the period. This is the primary cost of claims that directly impacts the underwriting profit.