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Cincinnati Financial CINF Homeowner — Prior accident years

Other product segments

Other Personal Lines
$36M

Similar metrics at other companies

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ALLHome Owners — Prior years
-$112M-1,300%
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SIGIHomeowners — Incurred loss and loss expense for claims occurring in the prior year
$1.25M+457%
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WTMProperty and Accident & Health — Prior Year
-$22.93M-414%
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HMNHomeowners — Prior years paid
$0
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RNRProperty — Net claims and claim expenses incurred – prior accident years
-$160.74M+14.1%
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HGProperty Contracts — Prior years
-$200K+98.7%

Other financials

Income statement

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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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense.

The official record: Cincinnati Financial’s 10-Q, filed April 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Cincinnati Financial's homeowner — prior accident years?
Cincinnati Financial (CINF) reported homeowner — prior accident years of -$15M in Q1 2026.
How has Cincinnati Financial's homeowner — prior accident years changed year-over-year?
Cincinnati Financial's homeowner — prior accident years increased by 21.1% year-over-year, from -$19M to -$15M.
What is the long-term trend for Cincinnati Financial's homeowner — prior accident years?
Over 4 years (2021 to 2025), Cincinnati Financial's homeowner — prior accident years has grown at a 36.8% compound annual growth rate (CAGR), from -$14M to -$49M.
What does homeowner — prior accident years mean?
This metric represents the net favorable or unfavorable development of loss reserves established for claims occurring in prior accident years. It reflects the accuracy of initial loss estimates and the impact of subsequent claim settlements or reserve adjustments on current period earnings.