What is Cincinnati Financial's homeowner — gross losses?

Cincinnati Financial (CINF) reported homeowner — gross losses of $622M in Q4 2025.

What does homeowner — gross losses mean?

This metric measures the total losses incurred by the homeowner segment before accounting for any reinsurance recoveries. It provides a raw view of the underwriting risk and the severity of claims experienced by the company.

Cincinnati Financial CINF Homeowner — Gross losses

Other product segments

Commercial Casualty Line

$3.68B+13.2%

Workers' Compensation Line

$1.04B+1.8%

Commercial Auto Line

$1.01B+15.6%

Personal Auto

$522M+27.3%

Commercial Property Segment

$449M-8.9%

Similar metrics at other companies

SIGIHomeowners — Total liabilities for unpaid loss and loss expenses, net of reinsurance

$57.4M+7.5%

MCYHomeowners — Premiums Earned, Net

$364.5M+42.4%

SIGIHomeowners — Net premiums earned

$50.08M+4.5%

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%

AIZGlobal Housing — Policyholder benefits

$263.9M-20.8%

Other financials

Income statement

See full

Revenue$2.9B+11.6%

Net income$274.0M+404%

EPS (diluted)$1.75+407%

Balance sheet

See full

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

See full

Operating cash flow$656.0M+112%

CapEx$2.0M-33.3%

Free cash flow$654.0M+113%

Valuation

See full

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:LiabilityForClaimsAndClaimsAdjustmentExpense.

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 — gross losses?: Cincinnati Financial (CINF) reported homeowner — gross losses of $622M in Q4 2025.
What does homeowner — gross losses mean?: This metric measures the total losses incurred by the homeowner segment before accounting for any reinsurance recoveries. It provides a raw view of the underwriting risk and the severity of claims experienced by the company.