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Cincinnati Financial CINF Personal Insurance — Unearned premiums

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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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersUnearnedPremiums.

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 — unearned premiums?
Cincinnati Financial (CINF) reported personal insurance — unearned premiums of $1.86B in Q4 2025.
How has Cincinnati Financial's personal insurance — unearned premiums changed year-over-year?
Cincinnati Financial's personal insurance — unearned premiums increased by 14.1% year-over-year, from $1.63B to $1.86B.
What does personal insurance — unearned premiums mean?
This represents the portion of written premiums that has been collected but not yet earned because the policy coverage period extends into the future. It is a liability on the balance sheet that will be recognized as revenue over the remaining term of the policies. It serves as a leading indicator of future earned premium revenue.