What is Cincinnati Financial's homeowner — 3?

Cincinnati Financial (CINF) reported homeowner — 3 of 4.1% in Q4 2025.

What does homeowner — 3 mean?

This metric tracks the total claims and claims adjustment expenses incurred for homeowner policies from prior accident years. It captures the ongoing cost evolution of claims that remain open or are newly reported for events occurring in previous fiscal periods.

Cincinnati Financial CINF Homeowner — 3

Other product segments

Commercial Casualty Line

18.7%-0.5%

Commercial Auto Line

14.3%-5.9%

Workers' Compensation Line

11.1%-0.9%

Personal Auto

7.7%-3.8%

Commercial Property Segment

4.6%-9.8%

Similar metrics at other companies

ALLHome Owners — Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims

$2.21B+8.5%

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

$39.14B+354%

ALLHome Owners — 3 years

4%+0.1pp

SIGIHomeowners — Short-duration insurance contracts, historical claims duration, year three

3.5%+0.2pp

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

$1.47B+750%

ALLHome Owners — 1 year

66.5%-0.1pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 — 3?: Cincinnati Financial (CINF) reported homeowner — 3 of 4.1% in Q4 2025.
What does homeowner — 3 mean?: This metric tracks the total claims and claims adjustment expenses incurred for homeowner policies from prior accident years. It captures the ongoing cost evolution of claims that remain open or are newly reported for events occurring in previous fiscal periods.