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Cincinnati Financial CINF Unearned premiums

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Other financials

Income statement

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Revenue$4.3B+31.6%
Net income$1.3B+83.2%
EPS (diluted)$8.05+85.5%

Balance sheet

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Cash & equivalents$1.8B+75.9%
Total debt$791.0M+0.1%
Total equity$16.7B+16.6%
Total assets$43.2B+11.3%

Cash flow

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Operating cash flow$700.0M-5.5%
CapEx$2.0M-50.0%
Free cash flow$698.0M-5.3%

Valuation

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Market cap$27.29B+13.3%
Enterprise value$26.33B+10.2%
P/E8.2×-5.0×
P/S-0.1×

Profitability

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Net margin23.8%+8.2pp
FCF margin24.4%+2.2pp

Returns & leverage

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Return on equity21.5%+8.0pp
Debt / equity0.0×

Where this comes from

Reported directly by Cincinnati Financial in its filing.

Tagged under the XBRL concept us-gaap:UnearnedPremiums.

The source filing: Cincinnati Financial’s 10-Q, filed July 27, 2026.

Filed
Jul 27, 2026, 4:17 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000020286-26-000045
(Dollars in millions, except per share data)June 30, 2026December 31, 2025
Insurance reserves
Loss and loss expense reserves$12,479$11,507
Life policy and investment contract reserves2,9862,992
Unearned premiums5,7245,254
Other liabilities1,6381,638
Deferred income tax1,8611,833
Note payable1725
Long-term debt and lease obligations859861

Item 1. Financial Statements (unaudited)

FAQ

What is Cincinnati Financial's unearned premiums?
Cincinnati Financial (CINF) reported unearned premiums of $5.72B in Q2 2026.
How has Cincinnati Financial's unearned premiums changed year-over-year?
Cincinnati Financial's unearned premiums increased by 5.1% year-over-year, from $5.44B to $5.72B.
What is the long-term trend for Cincinnati Financial's unearned premiums?
Over 5 years (2020 to 2025), Cincinnati Financial's unearned premiums has grown at a 12.2% compound annual growth rate (CAGR), from $2.96B to $5.25B.
What does unearned premiums mean?
This represents the portion of written premiums that has been collected but not yet earned because the insurance coverage period has not expired. As time passes, this liability is recognized as revenue on the income statement on a pro-rata basis. It serves as a leading indicator of future revenue and reflects the current volume of active insurance policies.

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