What is Cincinnati Financial's personal auto — 4?

Cincinnati Financial (CINF) reported personal auto — 4 of 5.8% in Q4 2025.

How has Cincinnati Financial's personal auto — 4 changed year-over-year?

Cincinnati Financial's personal auto — 4 decreased by 0.0% year-over-year, from 5.8% to 5.8%.

What does personal auto — 4 mean?

This metric represents the aggregate financial adjustment to claims and claims adjustment expenses for the personal auto insurance segment, specifically focusing on prior accident years. It serves as a measure of the company's historical actuarial accuracy and the adequacy of its loss reserves. Consistent adjustments in this category can signal changes in claims severity or frequency trends that may impact future underwriting profitability.

Cincinnati Financial CINF Personal Auto — 4

Other product segments

Commercial Casualty Line

16.9%+0.6%

Commercial Auto Line

11.2%-5.1%

Workers' Compensation Line

6.5%-3.0%

Homeowner

1.7%-10.5%

Commercial Property Segment

1.1%-31.3%

Similar metrics at other companies

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

$3.25M+17.1%

SIGIPersonal automobile — Short-duration insurance contracts, historical claims duration, year four

6.1%0.0pp

SIGIPersonal automobile — Reinsurance Recoverable for Unpaid Claims and Claims Adjustments

$32.77M-7.4%

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

$172.16M+11.7%

SIGIPersonal automobile — Total

$1.3B+606%

HMNAuto physical damage — Prior years paid

$0—

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 — 4?: Cincinnati Financial (CINF) reported personal auto — 4 of 5.8% in Q4 2025.
How has Cincinnati Financial's personal auto — 4 changed year-over-year?: Cincinnati Financial's personal auto — 4 decreased by 0.0% year-over-year, from 5.8% to 5.8%.
What does personal auto — 4 mean?: This metric represents the aggregate financial adjustment to claims and claims adjustment expenses for the personal auto insurance segment, specifically focusing on prior accident years. It serves as a measure of the company's historical actuarial accuracy and the adequacy of its loss reserves. Consistent adjustments in this category can signal changes in claims severity or frequency trends that may impact future underwriting profitability.