What is Cincinnati Financial's personal auto — 5?

Cincinnati Financial (CINF) reported personal auto — 5 of 3% 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%.

What does personal auto — 5 mean?

This metric captures the periodic adjustment to claims and claims adjustment expenses for the personal auto segment, specifically related to prior accident years. It reflects the difference between the initial reserve set for a claim and the actual or updated expected cost of that claim. Monitoring this helps investors understand the volatility of underwriting results and the effectiveness of the company's claims management.

Cincinnati Financial CINF Personal Auto — 5

Other product segments

Commercial Casualty Line

13.8%-1.4%

Commercial Auto Line

6.8%-10.5%

Workers' Compensation Line

4%+5.3%

Homeowner

0.9%+12.5%

Commercial Property Segment

0.7%-36.4%

Similar metrics at other companies

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

$3.25M+17.1%

NOD

NODKPrivate Passenger Auto — Underwriting Income Loss

$4.31M+141%

KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 5

100%0.0pp

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

$1.13B+765%

SIGIPersonal automobile — Total

$1.3B+606%

SIGIPersonal automobile — Reinsurance Recoverable for Unpaid Claims and Claims Adjustments

$32.77M-7.4%

Other financials

Income statement

See full

Revenue$2.9B+11.6%

Net income$274.0M+404%

EPS (diluted)$1.75+407%

Balance sheet

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — 5?: Cincinnati Financial (CINF) reported personal auto — 5 of 3% 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%.
What does personal auto — 5 mean?: This metric captures the periodic adjustment to claims and claims adjustment expenses for the personal auto segment, specifically related to prior accident years. It reflects the difference between the initial reserve set for a claim and the actual or updated expected cost of that claim. Monitoring this helps investors understand the volatility of underwriting results and the effectiveness of the company's claims management.