Products & Services · 5
Personal Auto — 5
Cincinnati Financial Personal Auto — 5 increased by 15.4% to 3.0% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 15.4%, from 2.6% to 3.0%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityModerate
First reportedQ4 2019
Last reportedQ4 2025
How to read this metric
Favorable adjustments (negative values) indicate that previous reserves were higher than necessary, contributing to current period earnings.
Detailed definition
This metric captures the periodic adjustment to claims and claims adjustment expenses for the personal auto segment, spe...
Peer comparison
Standard industry metric for evaluating reserve adequacy in personal lines insurance.
Metric ID:
cinf_segment_personal_auto_5Historical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 2.2% | 2.8% | 2.4% | 2.6% | 3% |
| QoQ Change | — | +27.3% | -14.3% | +8.3% | +15.4% |
| YoY Change | — | +27.3% | -14.3% | +8.3% | +15.4% |
Range2.2% – 3%
CAGR+36.4%
Avg YoY Growth+9.2%
Median YoY Growth+11.9%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is Cincinnati Financial's personal auto — 5?
- Cincinnati Financial (CINF) reported personal auto — 5 of 3.0% in Q4 2025.
- How has Cincinnati Financial's personal auto — 5 changed year-over-year?
- Cincinnati Financial's personal auto — 5 increased by 15.4% year-over-year, from 2.6% to 3.0%.
- What does personal auto — 5 mean?
- The adjustment amount for auto insurance claims that occurred in previous years.