What is Cincinnati Financial's personal auto — 3?

Cincinnati Financial (CINF) reported personal auto — 3 of 7.7% in Q4 2025.

How has Cincinnati Financial's personal auto — 3 changed year-over-year?

Cincinnati Financial's personal auto — 3 decreased by 3.8% year-over-year, from 8% to 7.7%.

What does personal auto — 3 mean?

This metric tracks the net impact of claims and claims adjustment expense adjustments related to prior accident years for the personal auto segment. It captures the financial effect of re-estimating the ultimate cost of claims that were previously reported but not yet settled. This figure helps investors assess the stability and reliability of the company's loss reserving process over time.

Cincinnati Financial CINF Personal Auto — 3

Other product segments

Commercial Casualty Line

18.7%-0.5%

Commercial Auto Line

14.3%-5.9%

Workers' Compensation Line

11.1%-0.9%

Commercial Property Segment

4.6%-9.8%

Homeowner

4.1%-2.4%

Similar metrics at other companies

KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 3

100%0.0pp

HMNAuto physical damage — Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance

$1.13B+765%

NOD

NODKPrivate Passenger Auto — Underwriting Income Loss

$4.31M+141%

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

$3.25M+17.1%

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

$172.16M+11.7%

UFCSPersonal — Incurred losses and allocated loss settlement expenses, net of reinsurance

$332.58M+361%

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 — 3?: Cincinnati Financial (CINF) reported personal auto — 3 of 7.7% in Q4 2025.
How has Cincinnati Financial's personal auto — 3 changed year-over-year?: Cincinnati Financial's personal auto — 3 decreased by 3.8% year-over-year, from 8% to 7.7%.
What does personal auto — 3 mean?: This metric tracks the net impact of claims and claims adjustment expense adjustments related to prior accident years for the personal auto segment. It captures the financial effect of re-estimating the ultimate cost of claims that were previously reported but not yet settled. This figure helps investors assess the stability and reliability of the company's loss reserving process over time.