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Cincinnati Financial CINF Personal Insurance — Current accident year

Other segment segments

Commercial Insurance
$3.1B+5.7%
Excess and Surplus Lines Insurance
$444M+10.2%

Similar metrics at other companies

The Hartford Financial Services Group logo
HIGP&C Personal Insurance — Current accident year
$526M-6.6%
The Hartford Financial Services Group logo
HIGP&C Business Insurance — Current accident year
$2.04B+8.1%
Axis Capital Holders logo
AXSInsurance — Current year
$656.05M+13.9%
The Hartford Financial Services Group logo
HIGProperty, Liability and Casualty Insurance Product Line — Current accident year
$2.8B-4.1%
Axis Capital Holders logo
AXSInsurance — Current accident year loss ratio (as a percent)
57.5%+0.5pp
The Hartford Financial Services Group logo
HIGGroup Insurance Policy — Current accident year
$1.38B+0.2%

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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense.

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 insurance — current accident year?
Cincinnati Financial (CINF) reported personal insurance — current accident year of $605.75M in Q4 2025.
How has Cincinnati Financial's personal insurance — current accident year changed year-over-year?
Cincinnati Financial's personal insurance — current accident year increased by 33.1% year-over-year, from $455.25M to $605.75M.
What is the long-term trend for Cincinnati Financial's personal insurance — current accident year?
Over 4 years (2021 to 2025), Cincinnati Financial's personal insurance — current accident year has grown at a 23.5% compound annual growth rate (CAGR), from $1.04B to $2.42B.
What does personal insurance — current accident year mean?
Measures the total losses and loss adjustment expenses incurred during the current calendar year for policies written in that same year. This metric excludes development on claims from prior years, providing a clean view of current underwriting performance. It is a primary indicator of the adequacy of current pricing and risk selection.