What is Cincinnati Financial's workers' compensation line — 5?

Cincinnati Financial (CINF) reported workers' compensation line — 5 of 4% in Q4 2025.

How has Cincinnati Financial's workers' compensation line — 5 changed year-over-year?

Cincinnati Financial's workers' compensation line — 5 increased by 5.3% year-over-year, from 3.8% to 4%.

What does workers' compensation line — 5 mean?

This metric represents the cumulative actuarial adjustment for prior accident years within the workers' compensation portfolio. It serves as a measure of the accuracy of historical underwriting and reserving assumptions. It is a key component of the segment's overall underwriting performance.

Cincinnati Financial CINF Workers' Compensation Line — 5

Other product segments

Commercial Casualty Line

13.8%-1.4%

Commercial Auto Line

6.8%-10.5%

Personal Auto

3%+15.4%

Homeowner

0.9%+12.5%

Commercial Property Segment

0.7%-36.4%

Similar metrics at other companies

CNAWorkers' Compensation — Workers' Compensation

-$33.75M+33.2%

CNAWorkers' Compensation — Year 5

5.8%-0.1pp

CNAWorkers' Compensation — Year 6

3.8%0.0pp

PRA

PRAWorkers' Compensation Insurance Segment — Segment Profit (Loss)

-$5.36M-39.5%

ORIWorkers' Compensation — Year 5

5.1%-0.1pp

KGWorkers' Compensation — Incurred loss and LAE, net of reinsurance

359,392,200,000%+301,985,500,000pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — 5?: Cincinnati Financial (CINF) reported workers' compensation line — 5 of 4% in Q4 2025.
How has Cincinnati Financial's workers' compensation line — 5 changed year-over-year?: Cincinnati Financial's workers' compensation line — 5 increased by 5.3% year-over-year, from 3.8% to 4%.
What does workers' compensation line — 5 mean?: This metric represents the cumulative actuarial adjustment for prior accident years within the workers' compensation portfolio. It serves as a measure of the accuracy of historical underwriting and reserving assumptions. It is a key component of the segment's overall underwriting performance.