What is Cincinnati Financial's personal auto — gross losses?

Cincinnati Financial (CINF) reported personal auto — gross losses of $522M in Q4 2025.

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

Cincinnati Financial's personal auto — gross losses increased by 27.3% year-over-year, from $410M to $522M.

What does personal auto — gross losses mean?

Gross losses represent the total incurred losses and loss adjustment expenses before any reduction for reinsurance recoveries. This metric provides a view of the raw underwriting risk assumed by the company in the personal auto segment. It is used to evaluate the underlying performance of the insurance product before the impact of risk-sharing agreements.

Cincinnati Financial CINF Personal Auto — Gross losses

Other product segments

Commercial Casualty Line

$3.68B+13.2%

Workers' Compensation Line

$1.04B+1.8%

Commercial Auto Line

$1.01B+15.6%

Homeowner

$622M+47.0%

Commercial Property Segment

$449M-8.9%

Similar metrics at other companies

NOD

NODKPrivate Passenger Auto — Gross Profit

$12M+31.0%

NOD

NODKPrivate Passenger Auto — Underwriting Income Loss

$4.31M+141%

KNSLPersonal — Gross written premiums

$14.95M+22.2%

HIGPersonal automobile physical damage — Unpaid losses and loss adjustment expenses

$65M-16.7%

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:LiabilityForClaimsAndClaimsAdjustmentExpense.

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 — gross losses?: Cincinnati Financial (CINF) reported personal auto — gross losses of $522M in Q4 2025.
How has Cincinnati Financial's personal auto — gross losses changed year-over-year?: Cincinnati Financial's personal auto — gross losses increased by 27.3% year-over-year, from $410M to $522M.
What does personal auto — gross losses mean?: Gross losses represent the total incurred losses and loss adjustment expenses before any reduction for reinsurance recoveries. This metric provides a view of the raw underwriting risk assumed by the company in the personal auto segment. It is used to evaluate the underlying performance of the insurance product before the impact of risk-sharing agreements.