Products & Services · Gross losses
Personal Auto — Gross losses
Cincinnati Financial Personal Auto — Gross losses increased by 27.3% to $522.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 27.3%, from $410.00M to $522.00M. 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
Rolls up toReserve for insurance claims
How to read this metric
Rising gross losses relative to premiums indicate deteriorating underwriting performance or increased claim severity.
Detailed definition
Gross losses represent the total incurred losses and loss adjustment expenses before any reduction for reinsurance recov...
Peer comparison
Standard industry metric for assessing raw underwriting risk.
Metric ID:
cinf_segment_personal_auto_gross_lossesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $292.00M | $315.00M | $327.00M | $410.00M | $522.00M |
| QoQ Change | — | +7.9% | +3.8% | +25.4% | +27.3% |
| YoY Change | — | +7.9% | +3.8% | +25.4% | +27.3% |
Range$292.00M – $522.00M
CAGR+78.8%
Avg YoY Growth+16.1%
Median YoY Growth+16.6%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is Cincinnati Financial's personal auto — gross losses?
- Cincinnati Financial (CINF) reported personal auto — gross losses of $522.00M 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 $410.00M to $522.00M.
- What does personal auto — gross losses mean?
- Total claim costs before accounting for any money recovered from reinsurance companies.