What is Cincinnati Financial's workers' compensation line — 3?

Cincinnati Financial (CINF) reported workers' compensation line — 3 of 11.1% in Q4 2025.

How has Cincinnati Financial's workers' compensation line — 3 changed year-over-year?

Cincinnati Financial's workers' compensation line — 3 decreased by 0.9% year-over-year, from 11.2% to 11.1%.

What does workers' compensation line — 3 mean?

This metric tracks the specific claims and claims adjustment expenses associated with prior accident years for the workers' compensation segment. It measures the variance between the ultimate cost of claims and the reserves previously set aside. Consistent favorable adjustments suggest strong actuarial discipline.

Cincinnati Financial CINF Workers' Compensation Line — 3

Other product segments

Commercial Casualty Line

18.7%-0.5%

Commercial Auto Line

14.3%-5.9%

Personal Auto

7.7%-3.8%

Commercial Property Segment

4.6%-9.8%

Homeowner

4.1%-2.4%

Similar metrics at other companies

CNAWorkers' Compensation — Workers' Compensation

-$33.75M+33.2%

KGWorkers' Compensation — Year 3

18.3%—

ORIWorkers' Compensation — Year 3

13.6%-0.8pp

WRBWorkers' compensation — Loss and loss expenses incurred, net of reinsurance

$7.12B+777%

CNAWorkers' Compensation — Year 3

14.5%+0.3pp

PRA

PRAWorkers' Compensation Insurance — Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance

$1.07B+804%

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 — 3?: Cincinnati Financial (CINF) reported workers' compensation line — 3 of 11.1% in Q4 2025.
How has Cincinnati Financial's workers' compensation line — 3 changed year-over-year?: Cincinnati Financial's workers' compensation line — 3 decreased by 0.9% year-over-year, from 11.2% to 11.1%.
What does workers' compensation line — 3 mean?: This metric tracks the specific claims and claims adjustment expenses associated with prior accident years for the workers' compensation segment. It measures the variance between the ultimate cost of claims and the reserves previously set aside. Consistent favorable adjustments suggest strong actuarial discipline.