What is Cincinnati Financial's homeowner — 2?

Cincinnati Financial (CINF) reported homeowner — 2 of 27.1% in Q4 2025.

What does homeowner — 2 mean?

This metric represents the favorable development of claims from prior accident years within the homeowner insurance segment. It reflects the adjustment to reserves previously set aside for claims that occurred in earlier periods, indicating the accuracy of initial loss estimates.

Cincinnati Financial CINF Homeowner — 2

Other product segments

Commercial Property Segment

32%+4.6%

Workers' Compensation Line

24.6%-0.8%

Commercial Auto Line

19.2%-0.5%

Personal Auto

17.3%+4.2%

Commercial Casualty Line

12.6%-4.5%

Similar metrics at other companies

ALLHome Owners — Prior years

-$112M-1,300%

HMNHomeowners — Prior years paid

$0—

ALLHome Owners — Incurred claims and allocated claim adjustment expenses, net of recoverables

$39.14B+354%

HMNHomeowners — Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance

$1.47B+750%

ALLHome Owners — 2 years

26.3%+1.0pp

KMPRHomeowners — Year 2

93%+0.6pp

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

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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

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

The official record: Cincinnati Financial’s 10-K, filed February 23, 2026, on SEC EDGAR. View the filing →

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What is Cincinnati Financial's homeowner — 2?: Cincinnati Financial (CINF) reported homeowner — 2 of 27.1% in Q4 2025.
What does homeowner — 2 mean?: This metric represents the favorable development of claims from prior accident years within the homeowner insurance segment. It reflects the adjustment to reserves previously set aside for claims that occurred in earlier periods, indicating the accuracy of initial loss estimates.