What is Cincinnati Financial's personal auto — 2?

Cincinnati Financial (CINF) reported personal auto — 2 of 17.3% in Q4 2025.

How has Cincinnati Financial's personal auto — 2 changed year-over-year?

Cincinnati Financial's personal auto — 2 increased by 4.2% year-over-year, from 16.6% to 17.3%.

What does personal auto — 2 mean?

This metric represents the development of claims from prior accident years for the personal automobile insurance segment. It reflects the adjustment in estimated liabilities for claims that occurred in previous reporting periods as more information becomes available. This is a critical indicator of the accuracy of initial loss reserves and the overall underwriting discipline of the personal lines business.

Cincinnati Financial CINF Personal Auto — 2

Other product segments

Commercial Property Segment

32%+4.6%

Homeowner

27.1%+1.5%

Workers' Compensation Line

24.6%-0.8%

Commercial Auto Line

19.2%-0.5%

Commercial Casualty Line

12.6%-4.5%

Similar metrics at other companies

SIGIPersonal automobile — Incurred loss and loss expense for claims occurring in the prior year

$3.25M+17.1%

KMPRPreferred Personal Automobile Insurance—Liability — Year 2

62%+1.4pp

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

$172.16M+11.7%

ALLPersonal other auto coverages — Prior years

$163M—

ALLPersonal auto injury coverage — Prior years

$675M—

SIGIPersonal automobile — Total

$1.3B+606%

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 personal auto — 2?: Cincinnati Financial (CINF) reported personal auto — 2 of 17.3% in Q4 2025.
How has Cincinnati Financial's personal auto — 2 changed year-over-year?: Cincinnati Financial's personal auto — 2 increased by 4.2% year-over-year, from 16.6% to 17.3%.
What does personal auto — 2 mean?: This metric represents the development of claims from prior accident years for the personal automobile insurance segment. It reflects the adjustment in estimated liabilities for claims that occurred in previous reporting periods as more information becomes available. This is a critical indicator of the accuracy of initial loss reserves and the overall underwriting discipline of the personal lines business.