What is Cincinnati Financial's homeowner — 4?

Cincinnati Financial (CINF) reported homeowner — 4 of 1.7% in Q4 2025.

What does homeowner — 4 mean?

This metric represents the net impact of favorable or unfavorable adjustments to claims reserves for the homeowner segment. It serves as a key indicator of the company's actuarial precision and the underlying stability of the homeowner insurance portfolio.

Cincinnati Financial CINF Homeowner — 4

Other product segments

Commercial Casualty Line

16.9%+0.6%

Commercial Auto Line

11.2%-5.1%

Workers' Compensation Line

6.5%-3.0%

Personal Auto

5.8%0.0%

Commercial Property Segment

1.1%-31.3%

Similar metrics at other companies

ALLHome Owners — Prior years

-$112M-1,300%

KMPRHomeowners — Year 4

98.4%+0.1pp

MCYHomeowners — Premiums Earned, Net

$364.5M+42.4%

HMNHomeowners — Year Four

0.5%-0.1pp

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

$1.47B+750%

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

$39.14B+354%

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

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 homeowner — 4?: Cincinnati Financial (CINF) reported homeowner — 4 of 1.7% in Q4 2025.
What does homeowner — 4 mean?: This metric represents the net impact of favorable or unfavorable adjustments to claims reserves for the homeowner segment. It serves as a key indicator of the company's actuarial precision and the underlying stability of the homeowner insurance portfolio.