Net premiums earned
Cincinnati Financial Net premiums earned increased by 0.5% to $2.60B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 11.1%, from $2.34B to $2.60B. Over 4 years (FY 2021 to FY 2025), Net premiums earned shows an upward trend with a 11.4% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
An increase indicates growth in the insurance book of business, while a decrease may signal shrinking market share or increased reinsurance activity.
Detailed definition
This represents the portion of insurance premiums that the company has recognized as revenue during the reporting period...
Peer comparison
Standard across all insurance carriers; peers typically report this as the primary top-line revenue driver.
net_premiums_earnedHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $1.59B | $1.67B | $1.67B | $1.69B | $1.77B | $1.88B | $1.88B | $1.92B | $1.94B | $2.03B | $2.06B | $2.07B | $2.16B | $2.30B | $2.37B | $2.34B | $2.48B | $2.57B | $2.59B | $2.60B |
| QoQ Change | — | +4.8% | +0.2% | +1.3% | +4.7% | +6.3% | -0.5% | +2.3% | +1.3% | +4.6% | +1.5% | +0.3% | +4.1% | +6.5% | +3.0% | -0.9% | +5.8% | +3.5% | +1.0% | +0.5% |
| YoY Change | — | — | — | — | +11.3% | +12.9% | +12.1% | +13.3% | +9.6% | +7.9% | +10.1% | +8.0% | +11.0% | +13.0% | +14.6% | +13.2% | +15.0% | +11.8% | +9.6% | +11.1% |
Product Breakdown
| Segment | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 |
|---|---|---|---|---|---|---|---|---|
| Commercial Casualty Line | $370.00M | $377.00M | $373.00M | $365.00M | $366.00M | $365.00M | $372.00M | $381.00M |
| Commercial Property Line | $290.00M | $299.00M | $312.00M | $321.00M | $332.00M | $336.00M | $348.00M | $361.00M |
| Home Owner Line | — | $232.00M | $251.00M | $271.00M | — | $303.00M | $326.00M | $352.00M |
| Personal Auto | $161.00M | $166.00M | $173.00M | $185.00M | $197.00M | $208.00M | $224.00M | $242.00M |
| Commercial Auto Line | $214.00M | $213.00M | $214.00M | $216.00M | $219.00M | $220.00M | $228.00M | $231.00M |
| Other Commercial Lines | $90.00M | $93.00M | $95.00M | $94.00M | $98.00M | $100.00M | $100.00M | $103.00M |
| Other Personal Lines | — | $66.00M | $69.00M | $71.00M | $73.00M | $77.00M | $81.00M | $84.00M |
| Workers' Compensation Line | $76.00M | $74.00M | $72.00M | $66.00M | $65.00M | $61.00M | $59.00M | $61.00M |
| Homeowner | $207.25M | — | — | — | $261.00M | — | — | — |
| Total | $1.88B | $1.92B | $1.94B | $2.03B | $2.06B | $2.07B | $2.16B | $2.30B |
Homeowner is derived from annual filings.
Commercial Auto Line, Commercial Casualty Line, Commercial Property Line, Home Owner Line, Homeowner, Other Commercial Lines, Other Personal Lines, Personal Auto, Workers' Compensation Line were previously reported and have since been discontinued or reclassified. Only currently active segments are shown in the chart.
Business Segments
| Segment | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Commercial Insurance | $1.11B | $1.14B | $1.16B | $1.18B | $1.21B | $1.23B | $1.24B | $1.24B |
| Personal Insurance | $631.00M | $678.00M | $726.00M | $698.00M | $804.00M | $838.00M | $859.00M | $873.00M |
| Excess and Surplus Lines Insurance | $151.00M | $157.00M | $168.00M | $162.00M | $174.00M | $174.00M | $188.00M | $180.00M |
| Life Insurance Segment | $81.00M | $80.00M | $81.00M | $80.00M | $83.00M | $83.00M | $84.00M | $85.00M |
| Total | $2.16B | $2.30B | $2.37B | $2.34B | $2.48B | $2.57B | $2.59B | $2.60B |
Reinsuranceassumedandothernonsegment was previously reported and has since been discontinued or reclassified. Only currently active segments are shown in the chart.
Net premiums earned at Other Companies
Frequently Asked Questions
- What is Cincinnati Financial's net premiums earned?
- Cincinnati Financial (CINF) reported net premiums earned of $2.60B in Q1 2026.
- How has Cincinnati Financial's net premiums earned changed year-over-year?
- Cincinnati Financial's net premiums earned increased by 11.1% year-over-year, from $2.34B to $2.60B.
- What is the long-term trend for Cincinnati Financial's net premiums earned?
- Over 4 years (2021 to 2025), Cincinnati Financial's net premiums earned has grown at a 11.4% compound annual growth rate (CAGR), from $6.48B to $9.98B.
- What does net premiums earned mean?
- The revenue recognized from insurance premiums after accounting for reinsurance.