Products & Services · 3
Personal Auto — 3
Cincinnati Financial Personal Auto — 3 decreased by 3.8% to 7.7% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 3.8%, from 8.0% to 7.7%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityModerate
First reportedQ4 2019
Last reportedQ4 2025
How to read this metric
Negative values represent favorable reserve releases, which boost earnings, while positive values represent unfavorable charges that reduce earnings.
Detailed definition
This metric tracks the net impact of claims and claims adjustment expense adjustments related to prior accident years fo...
Peer comparison
Commonly referred to as 'prior year loss development' in insurance industry financial statements.
Metric ID:
cinf_segment_personal_auto_3Historical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 8.3% | 8.2% | 8.2% | 8% | 7.7% |
| QoQ Change | — | -1.2% | +0.0% | -2.4% | -3.8% |
| YoY Change | — | -1.2% | +0.0% | -2.4% | -3.8% |
Range7.7% – 8.3%
CAGR-7.2%
Avg YoY Growth-1.8%
Median YoY Growth-1.8%
Current Streak2 quarters decline
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Frequently Asked Questions
- 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 8.0% to 7.7%.
- What does personal auto — 3 mean?
- The financial impact of adjusting previous estimates for auto insurance claims.