Cincinnati Financial CINF Percentage payout of incurred claims, year five

Percentage payout of incurred claims, year five at other companies

W.R. BerkleyWRB

13.5%+0.3pp

W.R. BerkleyWRB

16.4%+0.2pp

W.R. BerkleyWRB

9.1%+0.9pp

W.R. BerkleyWRB

11%+0.4pp

ASI

Ategrity Specialty Insurance Company HoldingsASIC

2.1%—

W.R. BerkleyWRB

7.4%+0.9pp

Segments

By product

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Commercial Casualty Line13.8%-1.4%

Commercial Auto Line6.8%-10.5%

Workers' Compensation Line4%+5.3%

Personal Auto3%+15.4%

Homeowner0.9%+12.5%

Commercial Property Segment0.7%-36.4%

By segment

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Excess and Surplus Lines Insurance14.1%-1.4%

Other financials

Income statement

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Revenue$2.9B+11.6%

Net income$274.0M+404%

EPS (diluted)$1.75+407%

Balance sheet

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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

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Operating cash flow$656.0M+112%

CapEx$2.0M-33.3%

Free cash flow$654.0M+113%

Valuation

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Market cap$28.64B+30.4%

Enterprise value$28.22B+29.7%

P/E10.4×-1.7×

P/S2.2×+0.3×

Profitability

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Net margin21.3%+8.1pp

FCF margin26.6%+3.0pp

Returns & leverage

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Return on equity18.7%+7.8pp

Debt / equity0.1×0.0×