Cincinnati Financial $(CINF)$ reported FY 2025 net income of USD 2.39 billion (+4%) on total revenues of USD 12.63 billion (+11%), with diluted EPS of USD 15.17 (+4%). Earned premiums were USD 9.98 billion (+12%). Pretax investment income rose to USD 1.17 billion (+14%) and pretax investment gains and losses were USD 1.44 billion (+4%). Book value per share ended FY 2025 at USD 102.35 (+15%), and the company’s value creation ratio was 18.8% (down 1.0 percentage points). Cash dividends declared were USD 3.48 per share (+7%). Property casualty underwriting profit was USD 501 million (down 14%) with a GAAP combined ratio of 94.9% (up 1.5 percentage points), reflecting higher catastrophe losses; catastrophe losses included the January 2025 southern California wildfires, with the event shown as USD 448 million net of reinsurance in the catastrophe table. Net written premiums for the property casualty business were USD 10.08 billion (+9%). By segment, commercial lines underwriting profit was USD 439 million (+41%) with a 91.1% combined ratio (down 2.1 percentage points), while personal lines posted an underwriting loss of USD 111 million and a 103.6% combined ratio (up 6.1 percentage points) amid elevated catastrophe losses. Excess and surplus lines underwriting profit was USD 85 million (more than 2x) with an 88.4% combined ratio (down 5.6 percentage points). Life insurance segment profit was USD 65 million (+14%), and net in-force policy face amounts rose 4% to USD 87.31 billion. CINF ended FY 2025 with USD 31.78 billion in total investments (+12%) and USD 15.91 billion in shareholders’ equity (+14%); the debt-to-total-capital ratio was 4.9% (down 0.6 percentage points). The parent company entered a new USD 400 million unsecured revolving credit agreement expiring in 2030 (with optional extensions) and had USD 25 million borrowed at year-end. Fitch upgraded the parent company debt rating to A from A- on September 3, 2025. The board extended its dividend-growth record to 65 consecutive years through 2025 and noted a dividend increase decision in January 2026.
Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Cincinnati Financial Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0000020286-26-000008), on February 23, 2026, and is solely responsible for the information contained therein.
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