What is Cincinnati Financial's workers' compensation line — 2?

Cincinnati Financial (CINF) reported workers' compensation line — 2 of 24.6% in Q4 2025.

How has Cincinnati Financial's workers' compensation line — 2 changed year-over-year?

Cincinnati Financial's workers' compensation line — 2 decreased by 0.8% year-over-year, from 24.8% to 24.6%.

What does workers' compensation line — 2 mean?

This metric represents the financial impact of prior accident year claims development within the workers' compensation insurance segment. It reflects the adjustment to reserves established in previous periods based on actual claim outcomes. Favorable development indicates that initial reserve estimates were conservative.

Cincinnati Financial CINF Workers' Compensation Line — 2

Other product segments

Commercial Property Segment

32%+4.6%

Homeowner

27.1%+1.5%

Commercial Auto Line

19.2%-0.5%

Personal Auto

17.3%+4.2%

Commercial Casualty Line

12.6%-4.5%

Similar metrics at other companies

CNAWorkers' Compensation — Workers' Compensation

-$33.75M+33.2%

HIGWorkers' Compensation — 2nd Year

18.6%+0.2pp

MKLWorkers' compensation — Incurred losses and loss adjustment expenses, prior accident years

-$17.1M-237%

CNAWorkers' Compensation — Year 6

3.8%0.0pp

CNAWorkers' Compensation — Year 2

24.2%+0.8pp

CNAWorkers Compensation — Net Prior Year Claimand Allocated Claim Adjustment Expense Reserve Development

-$34.75M-63.5%

Other financials

Income statement

See full

Revenue$2.9B+11.6%

Net income$274.0M+404%

EPS (diluted)$1.75+407%

Balance sheet

See full

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

See full

Operating cash flow$656.0M+112%

CapEx$2.0M-33.3%

Free cash flow$654.0M+113%

Valuation

See full

Market cap$28.64B+30.4%

Enterprise value$28.22B+29.7%

P/E10.4×-1.7×

P/S2.2×+0.3×

Profitability

See full

Net margin21.3%+8.1pp

FCF margin26.6%+3.0pp

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 workers' compensation line — 2?: Cincinnati Financial (CINF) reported workers' compensation line — 2 of 24.6% in Q4 2025.
How has Cincinnati Financial's workers' compensation line — 2 changed year-over-year?: Cincinnati Financial's workers' compensation line — 2 decreased by 0.8% year-over-year, from 24.8% to 24.6%.
What does workers' compensation line — 2 mean?: This metric represents the financial impact of prior accident year claims development within the workers' compensation insurance segment. It reflects the adjustment to reserves established in previous periods based on actual claim outcomes. Favorable development indicates that initial reserve estimates were conservative.