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Cincinnati Financial CINF Life Insurance Segment — Direct contract holders' benefits incurred

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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:PolicyholderBenefitsAndClaimsIncurredGross.

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 life insurance segment — direct contract holders' benefits incurred?
Cincinnati Financial (CINF) reported life insurance segment — direct contract holders' benefits incurred of $99M in Q1 2026.
How has Cincinnati Financial's life insurance segment — direct contract holders' benefits incurred changed year-over-year?
Cincinnati Financial's life insurance segment — direct contract holders' benefits incurred increased by 5.3% year-over-year, from $94M to $99M.
What is the long-term trend for Cincinnati Financial's life insurance segment — direct contract holders' benefits incurred?
Over 4 years (2021 to 2025), Cincinnati Financial's life insurance segment — direct contract holders' benefits incurred has grown at a -0.1% compound annual growth rate (CAGR), from $380M to $378M.
What does life insurance segment — direct contract holders' benefits incurred mean?
This represents the total benefits and claims paid or accrued to policyholders by the life insurance segment before any reinsurance recoveries. It reflects the raw cost of the insurance promises made to customers. Monitoring this helps evaluate the underlying loss experience of the insurance products.