Business Segments · 5
Excess and Surplus Lines Insurance — 5
Cincinnati Financial Excess and Surplus Lines Insurance — 5 decreased by 1.4% to 14.1% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 1.4%, from 14.3% to 14.1%. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalHigher is better
VolatilityModerate
First reportedQ4 2016
Last reportedQ4 2025
How to read this metric
Higher pre-tax income indicates a more profitable and efficient insurance operation.
Detailed definition
Represents the income before income taxes for the excess and surplus lines segment, reflecting the overall profitability...
Peer comparison
Standard financial metric; peers report this as 'Segment Pre-Tax Income'.
Metric ID:
cinf_segment_excess_and_surplus_lines_insurance_5Historical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 12.3% | 12.7% | 13.1% | 14.3% | 14.1% |
| QoQ Change | — | +3.3% | +3.1% | +9.2% | -1.4% |
| YoY Change | — | +3.3% | +3.1% | +9.2% | -1.4% |
Range12.3% – 14.3%
CAGR+14.6%
Avg YoY Growth+3.5%
Median YoY Growth+3.2%
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Frequently Asked Questions
- What is Cincinnati Financial's excess and surplus lines insurance — 5?
- Cincinnati Financial (CINF) reported excess and surplus lines insurance — 5 of 14.1% in Q4 2025.
- How has Cincinnati Financial's excess and surplus lines insurance — 5 changed year-over-year?
- Cincinnati Financial's excess and surplus lines insurance — 5 decreased by 1.4% year-over-year, from 14.3% to 14.1%.
- What does excess and surplus lines insurance — 5 mean?
- The pre-tax profit generated by the excess and surplus insurance segment.