Cincinnati Financial CINF Personal Auto — Reinsurance recoverable on unpaid losses

Other product segments

Homeowner

$124M+1,278%

Commercial Casualty Line

$51M+155%

Workers' Compensation Line

$51M-3.8%

Commercial Property Segment

$19M-20.8%

Commercial Auto Line

$3M0.0%

Similar metrics at other companies

SIGIPersonal automobile — Reinsurance Recoverable for Unpaid Claims and Claims Adjustments

$32.77M-7.4%

HGTYAuto — Reinsurance recoverable on unpaid losses and loss adjustment expenses

$5.64M-2.2%

NOD

NODKPrivate Passenger Auto — Reinsurance Recoverables On Unpaid Losses Gross

$673K-69.8%

HIGPersonal automobile physical damage — Reinsurance Recoverable for Unpaid Claims and Claims Adjustments

$0—

TRVAutomobile — Reinsurance Recoverables on Unpaid Losses

$630M+1.9%

SAFTProperty And Casualty Private Passenger Automobile Insurance Product Line — Reinsurance Recoverable For Unpaid Claims And Claims Adjustments

$120K0.0%

Other financials

Income statement

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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

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Operating cash flow$656.0M+112%

CapEx$2.0M-33.3%

Free cash flow$654.0M+113%

Valuation

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Market cap$28.64B+30.4%

Enterprise value$28.22B+29.7%

P/E10.4×-1.7×

P/S2.2×+0.3×

Profitability

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Net margin21.3%+8.1pp

FCF margin26.6%+3.0pp

Returns & leverage

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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:ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments.

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 — reinsurance recoverable on unpaid losses?: Cincinnati Financial (CINF) reported personal auto — reinsurance recoverable on unpaid losses of $21M in Q4 2025.
How has Cincinnati Financial's personal auto — reinsurance recoverable on unpaid losses changed year-over-year?: Cincinnati Financial's personal auto — reinsurance recoverable on unpaid losses decreased by 0.0% year-over-year, from $21M to $21M.
What does personal auto — reinsurance recoverable on unpaid losses mean?: This metric quantifies the portion of unpaid loss liabilities that the company expects to recover from its reinsurance partners. It reflects the company's risk mitigation strategy by transferring a portion of claim volatility to third-party reinsurers. High recoverables indicate a significant reliance on reinsurance for capital protection.