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Cincinnati Financial CINF Personal Insurance — Prior accident years

Other segment segments

Commercial Insurance
-$53M-23.3%
Excess and Surplus Lines Insurance
-$8M+11.1%

Similar metrics at other companies

The Hartford Financial Services Group logo
HIGP&C Personal Insurance — Prior accident year development [1]
-$35M+10.3%
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ALLPersonal auto injury coverage — Prior years
$675M
Axis Capital Holders logo
AXSInsurance — Prior years
-$15.06M-7.7%
Selective Insurance Group logo
SIGIPersonal automobile — Incurred loss and loss expense for claims occurring in the prior year
$3.25M+17.1%
The Hartford Financial Services Group logo
HIGProperty Insurance — Prior accident year development [1]
-$19M+9.5%
White Mountains Insurance Group logo
WTMProperty and Accident & Health — Prior Year
-$22.93M-414%

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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense.

The official record: Cincinnati Financial’s 10-Q, filed April 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Cincinnati Financial's personal insurance — prior accident years?
Cincinnati Financial (CINF) reported personal insurance — prior accident years of -$7M in Q1 2026.
How has Cincinnati Financial's personal insurance — prior accident years changed year-over-year?
Cincinnati Financial's personal insurance — prior accident years increased by 63.2% year-over-year, from -$19M to -$7M.
What is the long-term trend for Cincinnati Financial's personal insurance — prior accident years?
Over 3 years (2021 to 2024), Cincinnati Financial's personal insurance — prior accident years has grown at a -19.6% compound annual growth rate (CAGR), from -$50M to -$26M.
What does personal insurance — prior accident years mean?
This represents the development of loss reserves established in previous reporting periods for the personal insurance segment. It reflects the difference between the original estimated liability for past claims and the actual costs incurred as those claims are settled. Adjustments here indicate the accuracy of historical actuarial reserving practices.