Cincinnati Financial CINF Excess and Surplus Lines Insurance — Unearned premiums

Similar metrics at other companies

WRBReinsurance & Monoline Excess — Unearned Premiums

$562.87M+4.5%

EIGInsurance Operations — Unearned premiums

$391.9M-2.6%

SIGIE&S Lines — Unearned premiums

$300.77M+9.7%

JRVRExcess and Surplus Lines — SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information, Unearned Premium

$398.16M-11.1%

JRVRExcess & Surplus Lines — Net earned premiums

$131.83M-3.8%

AXSInsurance — Unearned premiums

$4.33B+12.3%

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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersUnearnedPremiums.

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 — unearned premiums?: Cincinnati Financial (CINF) reported excess and surplus lines insurance — unearned premiums of $362M in Q4 2025.
How has Cincinnati Financial's excess and surplus lines insurance — unearned premiums changed year-over-year?: Cincinnati Financial's excess and surplus lines insurance — unearned premiums increased by 12.8% year-over-year, from $321M to $362M.
What does excess and surplus lines insurance — unearned premiums mean?: This metric represents the portion of written premiums that has been collected but not yet earned because the policy coverage period has not expired. It acts as a liability until the coverage is provided.