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Cincinnati Financial CINF Property, Liability and Casualty Insurance — Direct premiums earned

Other segment segments

Life Insurance Segment
$105M+6.1%

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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:DirectPremiumsEarned.

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 property, liability and casualty insurance — direct premiums earned?
Cincinnati Financial (CINF) reported property, liability and casualty insurance — direct premiums earned of $2.37B in Q4 2025.
How has Cincinnati Financial's property, liability and casualty insurance — direct premiums earned changed year-over-year?
Cincinnati Financial's property, liability and casualty insurance — direct premiums earned increased by 13.6% year-over-year, from $2.08B to $2.37B.
What is the long-term trend for Cincinnati Financial's property, liability and casualty insurance — direct premiums earned?
Over 4 years (2021 to 2025), Cincinnati Financial's property, liability and casualty insurance — direct premiums earned has grown at a 12.1% compound annual growth rate (CAGR), from $6B to $9.47B.
What does property, liability and casualty insurance — direct premiums earned mean?
The portion of premiums earned directly from policyholders, excluding any premiums assumed from other insurers or ceded to reinsurers. This metric isolates the performance of the company's primary insurance business and its ability to generate revenue directly from its own distribution channels. It provides a pure view of the company's core underwriting activity.