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Cincinnati Financial CINF Excess and Surplus Lines Insurance — Prior accident years

Other segment segments

Commercial Insurance
-$53M-23.3%
Personal Insurance
-$7M+63.2%

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EIGInsurance Operations — Prior years
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$1.33B+7.1%
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-$15.06M-7.7%

Other financials

Income statement

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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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense.

The official record: Cincinnati Financial’s 10-Q, filed April 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Cincinnati Financial's excess and surplus lines insurance — prior accident years?
Cincinnati Financial (CINF) reported excess and surplus lines insurance — prior accident years of -$8M in Q1 2026.
How has Cincinnati Financial's excess and surplus lines insurance — prior accident years changed year-over-year?
Cincinnati Financial's excess and surplus lines insurance — prior accident years increased by 11.1% year-over-year, from -$9M to -$8M.
What is the long-term trend for Cincinnati Financial's excess and surplus lines insurance — prior accident years?
Over 2 years (2021 to 2025), Cincinnati Financial's excess and surplus lines insurance — prior accident years has grown at a 64.8% compound annual growth rate (CAGR), from $7M to -$19M.
What does excess and surplus lines insurance — prior accident years mean?
This metric represents the development of loss reserves established for claims occurring in previous reporting periods. It reflects the impact of favorable or unfavorable adjustments to initial estimates as more information becomes available over time.