What is Cincinnati Financial's homeowner — 5?

Cincinnati Financial (CINF) reported homeowner — 5 of 0.9% in Q4 2025.

What does homeowner — 5 mean?

This metric reflects the historical trend of claims and claims adjustment expenses for the homeowner segment, specifically focusing on the variance between initial reserve estimates and actual outcomes. It provides insight into the long-term loss experience of the homeowner product line.

Cincinnati Financial CINF Homeowner — 5

Other product segments

Commercial Casualty Line

13.8%-1.4%

Commercial Auto Line

6.8%-10.5%

Workers' Compensation Line

4%+5.3%

Personal Auto

3%+15.4%

Commercial Property Segment

0.7%-36.4%

Similar metrics at other companies

HMNHomeowners — Year Five

0.2%-0.2pp

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

$39.14B+354%

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

1%0.0pp

ALLHome Owners — Prior years

-$112M-1,300%

HMNHomeowners — Year Four

0.5%-0.1pp

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

$1.47B+750%

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — 5?: Cincinnati Financial (CINF) reported homeowner — 5 of 0.9% in Q4 2025.
What does homeowner — 5 mean?: This metric reflects the historical trend of claims and claims adjustment expenses for the homeowner segment, specifically focusing on the variance between initial reserve estimates and actual outcomes. It provides insight into the long-term loss experience of the homeowner product line.