Cincinnati Financial Q3 2026 net income falls 59%

Q: What was CINF's third-quarter 2026 net income?

CINF reported third-quarter 2026 net income of $459 million, or $2.96 per diluted share, compared with $1.122 billion, or $7.11 per diluted share, in the third quarter of 2025.

Q: How did CINF's non-GAAP operating income compare with last year?

Third-quarter non-GAAP operating income was $443 million, or $2.86 per diluted share, compared with $449 million, or $2.85 per diluted share, a year earlier. The measure excludes investment gains and losses and other significant non-recurring items from net income.

Q: What were CINF's third-quarter combined ratios by insurance segment?

The third-quarter combined ratios were 92.8% for commercial lines, compared with 91.1% a year earlier; 90.3% for personal lines, compared with 88.2%; and 89.4% for excess and surplus lines, compared with 89.8%.

Q: How much cash and total investments did CINF report?

Consolidated cash and total investments were $34.378 billion at September 30, 2026, an increase of 4% from $33.214 billion at year-end 2025.

Nine-month operating income increased 38% even as third-quarter reported net income fell amid lower investment gains.

Filing Impact

(High)

Filing Sentiment

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Form Type

8-K

Rhea-AI Filing Summary

Cincinnati Financial Corporation reported third-quarter 2026 net income of $459 million, or $2.96 per diluted share, versus $1.122 billion, or $7.11 per diluted share, a year earlier. Total revenues were $3.047 billion, down 18%. The stated $663 million net-income decrease included a $657 million after-tax decrease from net investment gains and a $41 million decrease from property casualty underwriting profit, partly offset by a $24 million increase in investment income. Non-GAAP operating income was $443 million, or $2.86 per diluted share, compared with $449 million, or $2.85 per diluted share.

For the first nine months, net income rose 16% to $1.988 billion and non-GAAP operating income rose 38% to $997 million; earned premiums increased 7% to $7.929 billion. Property casualty combined ratio was 90.9% for the quarter, up from 88.2%, while the nine-month ratio improved to 95.8% from 98.4%. Book value was $105.42 per share at September 30, 2026, up $3.07 since year-end 2025; the nine-month value creation ratio was 5.8%, compared with 13.8%.

3 points · 0 major

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0 major · 2 points

How the balance works

Positive

Moderate pointNine-month non-GAAP operating income increased 38% to $997 million.
Moderate pointNine-month net income increased 16% to $1.988 billion.
Moderate pointEarned premiums increased 7% to $7.929 billion through September.

Negative

Moderate pointThird-quarter net income declined 59% to $459 million.
Moderate pointThird-quarter total revenues declined 18% to $3.047 billion.

Filing Explained

Catastrophe losses added 7.0 points to the quarter’s property-casualty combined ratio, partly offset by 3.6 points of favorable reserve development.

This Form 8-K furnishes Cincinnati Financial’s completed third-quarter results; book value per share fell $3.22 during the quarter to $105.42, while remaining $3.07 above year-end.

The company’s book-value bridge lists a $5.99-per-share reduction from investment portfolio results and changes in unrealized fixed-maturity gains, and $0.94 from dividends declared, partly offset by $2.89 from net income before investment gains. The property-casualty combined ratio rose to 90.9% from 88.2% a year earlier; catastrophe losses contributed a 7.0-point increase, partly offset by a 3.6-point benefit from favorable prior accident-year reserve development.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Third-quarter net income: $459 million Third-quarter total revenues: $3.047 billion Third-quarter non-GAAP operating income: $443 million +5 more

8 metrics

Third-quarter net income $459 million Three months ended September 30, 2026; $1.122 billion in 2025, down 59%.

Third-quarter total revenues $3.047 billion Three months ended September 30, 2026; $3.726 billion in 2025, down 18%.

Third-quarter non-GAAP operating income $443 million Three months ended September 30, 2026; $449 million in 2025.

Nine-month earned premiums $7.929 billion Nine months ended September 30, 2026; $7.391 billion in 2025, up 7%.

Nine-month net income $1.988 billion Nine months ended September 30, 2026; $1.717 billion in 2025, up 16%.

Nine-month non-GAAP operating income $997 million Nine months ended September 30, 2026; $723 million in 2025, up 38%.

Property casualty combined ratio 90.9% Three months ended September 30, 2026; 88.2% in 2025.

Book value per share $105.42 At September 30, 2026; up $3.07 since year-end 2025.

Key Terms

non-GAAP operating income, combined ratio, value creation ratio, prior accident year reserve development, +1 more

5 terms

non-GAAP operating income financial

"Non-GAAP operating income is calculated by excluding investment gains and losses"

Non-GAAP operating income is a measure of a company's profit from its core business activities, calculated by excluding certain expenses or income that are not part of regular operations. It provides a clearer picture of how well the business is performing by focusing on ongoing operations, helping investors compare companies more consistently and make better-informed decisions.

combined ratio financial

"90.9% third-quarter 2026 property casualty combined ratio"

The combined ratio is a way insurance companies measure how well they are doing by adding up all their costs and claims and comparing them to the money they earn from premiums. If the ratio is below 100%, it means the company is making a profit; if it's above 100%, they are losing money. It helps see if an insurance company is financially healthy or not.

value creation ratio financial

"Value creation ratio of 5.8% for the first nine months of 2026"

A value creation ratio is a simple measure that compares the economic benefit a business generates to the resources or capital used to create it, showing how efficiently management turns inputs into returns for shareholders. Investors use it like a fuel-efficiency gauge for a car: higher values mean the company generates more profit or market value per dollar invested, signaling stronger potential for sustainable returns and better allocation of capital.

prior accident year reserve development financial

"benefit from favorable prior accident year reserve development"

net written premiums financial

"property casualty net written premiums grew 4% through the first nine months of 2026"

Net written premiums are the total value of insurance policies an insurer issues during a period, after subtracting the portion it passes on to reinsurers. It shows how much premium income the company is keeping to cover claims and run the business, so investors use it like a revenue-base gauge: rising net written premiums suggest growth or higher risk retention, while declines may signal more reinsurance or shrinking new sales.

Earnings Snapshot

Net income: $459 million

Three months ended September 30, 2026

Net income $459 million Down 59% from $1.122 billion in the third quarter of 2025.

Total revenues $3.047 billion Down 18% from $3.726 billion in the third quarter of 2025.

Non-GAAP operating income $443 million Down 1% from $449 million in the third quarter of 2025.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What was CINF's third-quarter 2026 net income?

CINF reported third-quarter 2026 net income of $459 million, or $2.96 per diluted share, compared with $1.122 billion, or $7.11 per diluted share, in the third quarter of 2025.

How did CINF's non-GAAP operating income compare with last year?

Third-quarter non-GAAP operating income was $443 million, or $2.86 per diluted share, compared with $449 million, or $2.85 per diluted share, a year earlier. The measure excludes investment gains and losses and other significant non-recurring items from net income.

What were CINF's third-quarter combined ratios by insurance segment?

The third-quarter combined ratios were 92.8% for commercial lines, compared with 91.1% a year earlier; 90.3% for personal lines, compared with 88.2%; and 89.4% for excess and surplus lines, compared with 89.8%.

How much cash and total investments did CINF report?

Consolidated cash and total investments were $34.378 billion at September 30, 2026, an increase of 4% from $33.214 billion at year-end 2025.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/26/2026 - 04:08 PM EDT Accepted by SEC EDGAR 10/26/2026 - 04:07 PM EDT

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report: October 26, 2026

(Date of earliest event reported)

CINCINNATI FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


Ohio	0-4604		31-0746871
(State or other jurisdiction of incorporation)	(Commission File Number)		(I.R.S. Employer Identification No.)

6200 S. Gilmore Road	Fairfield,	Ohio	45014‑5141
(Address of principal executive offices)			(Zip Code)

Registrant’s telephone number, including area code: (513) 870-2000

N/A

(Former name or former address, if changed since last report.)

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common stock	CINF	Nasdaq Global Select Market

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13a-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§203.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ Emerging growth company

☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Item 2.02 Results of Operations and Financial Condition.

On October 26, 2026, Cincinnati Financial Corporation issued the attached news release titled “Cincinnati Financial Reports Third-Quarter 2026 Results,” furnished as Exhibit 99.1 hereto and incorporated herein by reference. On October 26, 2026, the company also distributed the attached information titled “Supplemental Financial Data,” furnished as Exhibit 99.2 hereto and incorporated herein by reference.

This report should not be deemed an admission as to the materiality of any information contained in the news releases or supplemental financial data.

In accordance with general instruction B.2 of Form 8-K, the information furnished in this report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended.

Item 9.01 Financial Statements and Exhibits.

Exhibit 99.1 — News release dated October 26, 2026, titled "Cincinnati Financial Reports Third-Quarter 2026 Results"

Exhibit 99.2 — Supplemental Financial Data for the period ending September 30, 2026 distributed October 26, 2026

Exhibit 104 – The cover page from this Current Report on Form 8-K, formatted as Inline XBRL

Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


			CINCINNATI FINANCIAL CORPORATION



Date: October 26, 2026			/S/ Michael J. Sewell
			Michael J. Sewell, CPA
			Chief Financial Officer, Executive Vice President and Treasurer
			(Principal Accounting Officer)


						The Cincinnati Insurance Company n The Cincinnati Indemnity Company The Cincinnati Casualty Company n The Cincinnati Specialty Underwriters Insurance Company The Cincinnati Life Insurance Company n CFC Investment Company n CSU Producer Resources Inc. Cincinnati Global Underwriting Ltd. n Cincinnati Global Underwriting Agency Ltd.

Investor Contact: Andrew F. Gossard, 513-870-2768

CINF-IR@cinfin.com

Media Contact: Betsy E. Ertel, 513-603-5323

Media_Inquiries@cinfin.com

Cincinnati Financial Reports Third-Quarter 2026 Results

Cincinnati, October 26, 2026 – Cincinnati Financial Corporation (Nasdaq: CINF) today reported:

•Third-quarter 2026 net income of $459 million, or $2.96 per share, compared with $1.122 billion, or $7.11 per share, in the third quarter of 2025, after recognizing a less than $1 million third-quarter 2026 after-tax increase in the fair value of equity securities still held.

•Third-quarter 2026 non-GAAP operating income* of $443 million, or $2.86 per share, compared with $449 million, or $2.85 per share, in the third quarter of last year.

•$663 million decrease in third-quarter 2026 net income, compared with third-quarter 2025, including the effects of after-tax net decreases of $657 million from net investment gains and $41 million from property casualty underwriting profit, partially offset by an increase of $24 million from investment income.

•$105.42 book value per share at September 30, 2026, up $3.07 since year-end.

•5.8% value creation ratio for the first nine months of 2026, compared with 13.8% for the same period of 2025.

Financial Highlights


(Dollars in millions, except per share data)	Three months ended September 30,						Nine months ended September 30,
		2026		2025		% Change		2026		2025		% Change
Revenue Data
Earned premiums		$	2,690	$	2,567	5		$	7,929	$	7,391	7
Investment income, net of expenses		325		295		10		962		860		12
Total revenues		3,047		3,726		(18)		10,184		9,540		7
Income Statement Data
Net income		$	459	$	1,122	(59)		$	1,988	$	1,717	16
Investment gains and losses, after-tax		16		673		(98)		991		994		0

Non-GAAP operating income*		$	443	$	449	(1)		$	997	$	723	38
Per Share Data (diluted)
Net income		$	2.96	$	7.11	(58)		$	12.75	$	10.88	17
Investment gains and losses, after-tax		0.10		4.26		(98)		6.36		6.30		1

Non-GAAP operating income*		$	2.86	$	2.85	0		$	6.39	$	4.58	40

Book value								$	105.42	$	98.76	7
Cash dividend declared		$	0.94	$	0.87	8		$	2.82	$	2.61	8
Diluted weighted average shares outstanding		155.1		157.8		(2)		155.9		157.8		(1)

* The Definitions of Non-GAAP Information and Reconciliation to Comparable GAAP Measures section defines and reconciles measures presented in this release that are not based on U.S. Generally Accepted Accounting Principles.

Forward-looking statements and related assumptions are subject to the risks outlined in the company’s safe harbor statement.

CINF 3Q26 Release 1

Insurance Operations Highlights

•90.9% third-quarter 2026 property casualty combined ratio, increased from 88.2% for the third quarter of 2025.

•2% growth in third-quarter net written premiums, including price increases, premium growth initiatives and a higher level of insured exposures.

•$315 million third-quarter 2026 property casualty new business written premiums, down 12%. Agencies appointed since the beginning of 2025 contributed $33 million or 10% of total new business written premiums.

•$31 million third-quarter 2026 life insurance subsidiary net income, up $3 million compared with the third quarter of 2025, and 2% growth in third-quarter 2026 term life insurance earned premiums.

Investment and Balance Sheet Highlights

•10% or $30 million increase in third-quarter 2026 pretax investment income, including an 11% increase in bond interest income and a 4% decrease in stock portfolio dividends.

•Three-month decrease of less than 1% in fair value of total investments at September 30, 2026, including a less than 1% decrease for both the bond portfolio and the stock portfolio.

•$6.044 billion parent company cash and marketable securities at September 30, 2026, up 9% from year-end 2025.

Property Casualty Operations Maintaining Profitability

Stephen M. Spray, president and chief executive officer, commented: “Over the past few months our field claims teams and headquarters claims associates have been busy. I’m proud of their efforts as they brought compassion and expertise to our agents and policyholders, quickly resolving claims and helping affected communities begin to move forward.

“This quarter is a nice example of the impact our many growth, profitability and diversification initiatives are having on our insurance business. While catastrophe losses grew by 7.0 points compared with last year’s third quarter – moving closer to historical averages for the third quarter – our overall combined ratio of 90.9% reflects our continued efforts in pricing segmentation across our organization and the purposeful diversification of our growth.

“On a nine-month basis we achieved healthy non-GAAP operating income, increasing that measure 38% to $997 million. Our insurance operations continued to lead the way. With three-quarters of the year behind us, our 95.8% combined ratio is comfortably within our long-term target of 92% to 98%.”

Growth Reflecting Underwriting Discipline

“In this competitive market, we are balancing new business opportunities with underwriting discipline. Total property casualty net written premiums grew 4% through the first nine months of 2026, reflecting average renewal price increases for each of our property casualty insurance segments and most of our major lines of business.

“Our growth strategy plays to the strengths of each area where we do business. We consider many factors such as historic loss ratios, current market conditions, weather patterns and our view of future expectations for particular lines of business to create an appropriate plan for targeted profitable growth. That work creates a generally stable underwriting appetite to support our agents and enhance our mutual success.

“We also continue to benefit from the introduction of new specialty products through The Cincinnati Specialty Underwriters Insurance Company and Cincinnati Global Underwriting, along with the ability to grow Cincinnati Re opportunistically as the reinsurance market changes. Through September, these three areas have grown 7%, 13% and 11%, respectively, compared with the first nine months of 2025.”

Insurance Profitability Fueling Investments

“Consolidated cash and total investments topped $34 billion. Since December, book value per share has risen to $105.42, driven by the contribution of our insurance operations and the strength of our investment portfolio.

“This ample capital allows us to execute on our long-term strategies and, at the same time, continue to not just pay dividends to shareholders, but increase them, through the normal variability of investment and insurance markets as we’ve done for 66 years.”

CINF 3Q26 Release 2

Insurance Operations Highlights

Consolidated Property Casualty Insurance Results


(Dollars in millions)	Three months ended September 30,								Nine months ended September 30,
		2026			2025			% Change		2026			2025			% Change
Earned premiums		$	2,605		$	2,484		5		$	7,672		$	7,145		7
Fee revenues		4			4			0		11			11			0
Total revenues		2,609			2,488			5		7,683			7,156			7

Loss and loss expenses		1,595			1,464			9		5,070			4,938			3
Underwriting expenses		774			731			6		2,276			2,095			9
Underwriting profit		$	240		$	293		(18)		$	337		$	123		174

Ratios as a percent of earned premiums:								Pt. Change								Pt. Change
Loss and loss expenses		61.2		%	58.9		%	2.3		66.1		%	69.1		%	(3.0)
Underwriting expenses		29.7			29.3			0.4		29.7			29.3			0.4
Combined ratio		90.9		%	88.2		%	2.7		95.8		%	98.4		%	(2.6)

								% Change								% Change
Agency renewal written premiums		$	2,095		$	2,037		3		$	6,394		$	6,084		5
Agency new business written premiums		315			356			(12)		1,007			1,143			(12)


Other written premiums		140			100			40		642			494			30
Net written premiums		$	2,550		$	2,493		2		$	8,043		$	7,721		4

Ratios as a percent of earned premiums:								Pt. Change								Pt. Change
Current accident year before catastrophe losses		54.0		%	55.4		%	(1.4)		56.8		%	57.4		%	(0.6)
Current accident year catastrophe losses		10.8			4.4			6.4		12.2			14.2			(2.0)
Prior accident years before catastrophe losses		(3.5)			(0.2)			(3.3)		(2.7)			(1.6)			(1.1)
Prior accident years catastrophe losses		(0.1)			(0.7)			0.6		(0.2)			(0.9)			0.7
Loss and loss expense ratio		61.2		%	58.9		%	2.3		66.1		%	69.1		%	(3.0)

Current accident year combined ratio before catastrophe losses		83.7		%	84.7		%	(1.0)		86.5		%	86.7		%	(0.2)

•$57 million or 2% growth of third-quarter 2026 property casualty net written premiums, reflecting premium growth initiatives, price increases and a higher level of insured exposures.

•$41 million decrease in third-quarter 2026 new business premiums written by agencies, primarily due to our personal lines insurance segment, included a $15 million increase in production from agencies appointed since the beginning of 2025.

•300 new agency appointments in the first nine months of 2026, including 44 that market only our personal lines products.

•2.7 percentage-point third-quarter 2026 combined ratio increase, including an increase of 7.0 points for losses from catastrophes.

•2.6 percentage-point nine-month 2026 combined ratio improvement, including a decrease of 1.3 points from lower catastrophe losses.

•3.6 percentage-point third-quarter 2026 benefit from favorable prior accident year reserve development of $94 million, compared with 0.9 points or $22 million for third-quarter 2025.

•2.9 percentage-point nine-month 2026 benefit from favorable prior accident year reserve development, compared with 2.5 points for the first nine months of 2025.

•0.6 percentage-point improvement in the nine-month 2026 ratio for current accident year loss and loss expenses before catastrophes.

•0.4 percentage-point increase in the underwriting expense ratio for the first nine months of 2026, compared with the same period of 2025, primarily due to timing of recognition of certain expenses.

CINF 3Q26 Release 3

Commercial Lines Insurance Results


(Dollars in millions)	Three months ended September 30,								Nine months ended September 30,
		2026			2025			% Change		2026			2025			% Change
Earned premiums		$	1,270		$	1,229		3		$	3,762		$	3,620		4
Fee revenues		2			2			0		4			4			0
Total revenues		1,272			1,231			3		3,766			3,624			4

Loss and loss expenses		782			747			5		2,539			2,249			13
Underwriting expenses		398			373			7		1,166			1,080			8
Underwriting profit		$	92		$	111		(17)		$	61		$	295		(79)

Ratios as a percent of earned premiums:								Pt. Change								Pt. Change
Loss and loss expenses		61.5		%	60.8		%	0.7		67.5		%	62.2		%	5.3
Underwriting expenses		31.3			30.3			1.0		31.0			29.8			1.2
Combined ratio		92.8		%	91.1		%	1.7		98.5		%	92.0		%	6.5

								% Change								% Change
Agency renewal written premiums		$	1,050		$	1,043		1		$	3,380		$	3,311		2
Agency new business written premiums		182			185			(2)		595			588			1
Other written premiums		(33)			(30)			(10)		(90)			(86)			(5)
Net written premiums		$	1,199		$	1,198		0		$	3,885		$	3,813		2

Ratios as a percent of earned premiums:								Pt. Change								Pt. Change
Current accident year before catastrophe losses		58.0		%	59.2		%	(1.2)		61.0		%	60.0		%	1.0
Current accident year catastrophe losses		7.1			3.0			4.1		9.6			5.0			4.6
Prior accident years before catastrophe losses		(3.4)			(1.0)			(2.4)		(3.0)			(2.2)			(0.8)
Prior accident years catastrophe losses		(0.2)			(0.4)			0.2		(0.1)			(0.6)			0.5
Loss and loss expense ratio		61.5		%	60.8		%	0.7		67.5		%	62.2		%	5.3

Current accident year combined ratio before catastrophe losses		89.3		%	89.5		%	(0.2)		92.0		%	89.8		%	2.2

•$1 million or less than 1% growth in third-quarter 2026 commercial lines net written premiums, primarily due to higher agency renewal premiums. Two percent growth in nine-month net written premiums.

•$7 million or 1% increase in third-quarter renewal written premiums, with commercial lines average renewal pricing increases in the low-single-digit percent range.

•$3 million or 2% decrease in third-quarter 2026 new business premiums written by agencies, as we continue to carefully underwrite each policy in a highly competitive market.

•1.7 percentage-point third-quarter 2026 combined ratio increase, including an increase of 4.3 points for losses from catastrophes.

•6.5 percentage-point nine-month 2026 combined ratio increase, including an increase of 5.1 points from higher catastrophe losses.

•3.6 percentage-point third-quarter 2026 benefit from favorable prior accident year reserve development of $46 million, compared with 1.4 points or $18 million for third-quarter 2025.

•3.1 percentage-point nine-month 2026 benefit from favorable prior accident year reserve development, compared with 2.8 points for the first nine months of 2025.

CINF 3Q26 Release 4

Personal Lines Insurance Results


(Dollars in millions)	Three months ended September 30,								Nine months ended September 30,
		2026			2025			% Change		2026			2025			% Change
Earned premiums		$	888		$	838		6		$	2,641		$	2,340		13
Fee revenues		1			1			0		4			4			0
Total revenues		889			839			6		2,645			2,344			13

Loss and loss expenses		564			507			11		1,809			1,951			(7)
Underwriting expenses		237			233			2		717			665			8
Underwriting profit (loss)		$	88		$	99		(11)		$	119		$	(272)		nm

Ratios as a percent of earned premiums:								Pt. Change								Pt. Change
Loss and loss expenses		63.5		%	60.4		%	3.1		68.4		%	83.4		%	(15.0)
Underwriting expenses		26.8			27.8			(1.0)		27.2			28.4			(1.2)
Combined ratio		90.3		%	88.2		%	2.1		95.6		%	111.8		%	(16.2)

								% Change								% Change
Agency renewal written premiums		$	911		$	864		5		$	2,580		$	2,364		9
Agency new business written premiums		76			116			(34)		230			384			(40)
Other written premiums		(30)			(29)			(3)		(88)			(145)			39
Net written premiums		$	957		$	951		1		$	2,722		$	2,603		5

Ratios as a percent of earned premiums:								Pt. Change								Pt. Change
Current accident year before catastrophe losses		47.9		%	50.7		%	(2.8)		51.1		%	54.7		%	(3.6)
Current accident year catastrophe losses		19.9			8.0			11.9		19.5			29.7			(10.2)
Prior accident years before catastrophe losses		(3.6)			2.6			(6.2)		(2.1)			0.4			(2.5)
Prior accident years catastrophe losses		(0.7)			(0.9)			0.2		(0.1)			(1.4)			1.3
Loss and loss expense ratio		63.5		%	60.4		%	3.1		68.4		%	83.4		%	(15.0)

Current accident year combined ratio before catastrophe losses		74.7		%	78.5		%	(3.8)		78.3		%	83.1		%	(4.8)

•$6 million or 1% growth in third-quarter 2026 personal lines net written premiums, including higher agency renewal written premiums that benefited from rate increases near the low end of the high-single-digit percent range, partially offset by lower new business premiums. Five percent growth in nine-month net written premiums.

•$40 million or 34% decrease in third-quarter 2026 new business premiums written by agencies, as we continue to carefully underwrite each policy in a highly competitive market.

•2.1 percentage-point third-quarter 2026 combined ratio increase, including an increase of 12.1 points for losses from catastrophes.

•16.2 percentage-point nine-month 2026 combined ratio improvement, including a decrease of 8.9 points from lower catastrophe losses.

•4.3 percentage-point third-quarter 2026 favorable prior accident year reserve development of $38 million, compared with an unfavorable 1.7 points or $14 million for third-quarter 2025.

•2.2 percentage-point nine-month 2026 benefit from favorable prior accident year reserve development, compared with 1.0 points for the first nine months of 2025.

CINF 3Q26 Release 5

Excess and Surplus Lines Insurance Results


(Dollars in millions)	Three months ended September 30,								Nine months ended September 30,
		2026			2025			% Change		2026			2025			% Change
Earned premiums		$	187		$	174		7		$	556		$	510		9
Fee revenues		1			1			0		3			3			0
Total revenues		188			175			7		559			513			9

Loss and loss expenses		114			108			6		342			317			8
Underwriting expenses		53			48			10		156			141			11
Underwriting profit		$	21		$	19		11		$	61		$	55		11

Ratios as a percent of earned premiums:								Pt. Change								Pt. Change
Loss and loss expenses		61.5		%	62.1		%	(0.6)		61.7		%	62.2		%	(0.5)
Underwriting expenses		27.9			27.7			0.2		28.0			27.6			0.4
Combined ratio		89.4		%	89.8		%	(0.4)		89.7		%	89.8		%	(0.1)

								% Change								% Change
Agency renewal written premiums		$	134		$	130		3		$	434		$	409		6
Agency new business written premiums		57			55			4		182			171			6
Other written premiums		(7)			(10)			30		(31)			(35)			11
Net written premiums		$	184		$	175		5		$	585		$	545		7

Ratios as a percent of earned premiums:								Pt. Change								Pt. Change
Current accident year before catastrophe losses		63.8		%	64.1		%	(0.3)		64.3		%	64.8		%	(0.5)
Current accident year catastrophe losses		1.0			0.2			0.8		1.0			0.9			0.1
Prior accident years before catastrophe losses		(3.3)			(2.1)			(1.2)		(3.4)			(3.2)			(0.2)
Prior accident years catastrophe losses		0.0			(0.1)			0.1		(0.2)			(0.3)			0.1
Loss and loss expense ratio		61.5		%	62.1		%	(0.6)		61.7		%	62.2		%	(0.5)

Current accident year combined ratio before catastrophe losses		91.7		%	91.8		%	(0.1)		92.3		%	92.4		%	(0.1)

•$9 million or 5% growth in third-quarter 2026 excess and surplus lines net written premiums, including higher agency renewal written premiums that benefited from price increases averaging in the low-single-digit percent range. Seven percent growth in nine-month net written premiums.

•$2 million or 4% increase in third-quarter 2026 new business premiums written by agencies.

•0.4 percentage-point third-quarter 2026 combined ratio improvement, primarily due to favorable reserve development on prior accident year loss and loss expenses that was partially offset by higher current accident year catastrophe losses.

•0.1 percentage-point nine-month 2026 combined ratio improvement, largely due to a lower ratio for current accident year loss and loss expenses before catastrophe losses that was partially offset by a higher underwriting expense ratio.

•3.3 percentage-point third-quarter 2026 benefit from favorable prior accident year reserve development of $6 million, compared with 2.2 points or $4 million for third-quarter 2025.

•3.6 percentage-point nine-month 2026 benefit from favorable prior accident year reserve development, compared with 3.5 points for the first nine months of 2025.

CINF 3Q26 Release 6

Life Insurance Subsidiary Results


(Dollars in millions)	Three months ended September 30,						Nine months ended September 30,
		2026		2025		% Change		2026		2025		% Change
Term life insurance		$	62	$	61	2		$	187	$	179	4
Whole life insurance		15		14		7		42		40		5
Universal life and other		8		8		0		28		27		4
Earned premiums		85		83		2		257		246		4
Investment income, net of expenses		53		52		2		161		151		7
Investment gains and losses, net		4		(1)		nm		3		(6)		nm
Fee revenues		2		1		100		5		4		25
Total revenues		144		135		7		426		395		8
Contract holders’ benefits incurred		80		76		5		243		230		6
Underwriting expenses incurred		25		23		9		73		70		4
Total benefits and expenses		105		99		6		316		300		5
Net income before income tax		39		36		8		110		95		16
Income tax provision		8		8		0		23		20		15
Net income of the life insurance subsidiary		$	31	$	28	11		$	87	$	75	16

•$2 million increase in third-quarter 2026 earned premiums, including a 2% increase for term life insurance, our largest life insurance product line.

•$12 million increase in nine-month 2026 life insurance subsidiary net income, primarily due to increased investment income, increased investment gains, increased earned premiums, and more favorable mortality experience, partially offset by less favorable impacts from the unlocking of interest rate and other actuarial assumptions.

•$1 million or less than 1% nine-month 2026 increase, to $1.468 billion, in GAAP shareholders’ equity for the life insurance subsidiary, primarily from net income that was offset by an increase in unrealized investment losses on fixed-maturity securities.

CINF 3Q26 Release 7

Investment and Balance Sheet Highlights

Investments Results


(Dollars in millions)	Three months ended September 30,							Nine months ended September 30,
	2026			2025			% Change		2026			2025			% Change
Investment income, net of expenses	$	325		$	295		10		$	962		$	860		12
Investment interest credited to contract holders	(32)			(32)			0		(97)			(95)			(2)
Investment gains and losses, net	20			853			(98)		1,258			1,259			0
Investments profit	$	313		$	1,116		(72)		$	2,123		$	2,024		5

Investment income:
Interest	$	252		$	227		11		$	731		$	651		12
Dividends	66			69			(4)		214			206			4
Other	11			4			175		31			16			94
Less investment expenses	4			5			(20)		14			13			8
Investment income, pretax	325			295			10		962			860			12
Less income taxes	57			51			12		167			148			13
Total investment income, after-tax	$	268		$	244		10		$	795		$	712		12

Investment returns:
Average invested assets plus cash and cash equivalents	$	35,549		$	31,899				$	34,631		$	31,345
Average yield pretax	3.66		%	3.70		%			3.70		%	3.66		%
Average yield after-tax	3.02			3.06					3.06			3.03
Effective tax rate	17.6			17.3					17.4			17.2
Fixed-maturity returns:
Average amortized cost	$	19,989		$	17,816				$	19,504		$	17,515
Average yield pretax	5.04		%	5.10		%			5.00		%	4.96		%
Average yield after-tax	4.10			4.16					4.07			4.04
Effective tax rate	18.6			18.4					18.5			18.4

•$30 million or 10% rise in third-quarter 2026 pretax investment income, including an 11% increase in interest income from fixed-maturity securities and a 4% decrease in equity portfolio dividends.

•$1.142 billion in third-quarter 2026 pretax total investment losses, summarized in the table below. Changes in unrealized gains or losses reported in other comprehensive income, in addition to investment gains and losses reported in net income, are useful for evaluating total investment performance over time and are major components of changes in book value and the value creation ratio.


(Dollars in millions)	Three months ended September 30,				Nine months ended September 30,
	2026		2025		2026		2025
Investment gains and losses on equity securities sold, net	$	5	$	(9)	$	255	$	(5)
Unrealized gains and losses on equity securities still held, net	1		855		980		1,259
Investment gains and losses on fixed-maturity securities, net	(8)		1		(3)		(13)
Other	22		6		26		18
Subtotal - investment gains and losses reported in net income	20		853		1,258		1,259
Change in unrealized investment gains and losses - fixed maturities and short-term	(1,162)		241		(1,308)		336
Total	$	(1,142)	$	1,094	$	(50)	$	1,595

CINF 3Q26 Release 8

Balance Sheet Highlights


(Dollars in millions, except share data)	At September 30,				At December 31,
		2026				2025
Total investments		$	33,139			$	31,783
Total assets		42,611				41,002
Short-term debt		17				25
Long-term debt		791				790
Shareholders’ equity		16,182				15,911
Book value per share		105.42				102.35
Debt-to-total-capital ratio		4.8		%		4.9		%

•$34.378 billion in consolidated cash and total investments at September 30, 2026, an increase of 4% from $33.214 billion at year-end 2025.

•$18.925 billion bond portfolio at September 30, 2026, with an average rating of A2/A. Fair value decreased $29 million during the third quarter of 2026, including $1.107 billion in net purchases of fixed-maturity securities.

•$13.145 billion equity portfolio was 39.7% of total investments, including $8.872 billion in appreciated value before taxes at September 30, 2026. Third-quarter 2026 decrease in fair value of $49 million, including $52 million in net sales of equity securities.

•$3.22 third-quarter 2026 decrease in book value per share, including additions of $2.89 of net income before investment gains and $0.82 for other items that were offset by $5.99 from investment portfolio net investment gains or changes in unrealized gains for fixed-maturity securities and $0.94 from dividends declared to shareholders.

•Value creation ratio of 5.8% for the first nine months of 2026, including 6.4% from net income before investment gains, which includes underwriting and investment income, and 6.2% from investment gains for equity securities, partially offset by 6.6% from changes in unrealized gains for fixed-maturity securities and 0.2% for other items.

For additional information or to register for our conference call webcast, please visit investors.cinfin.com.

About Cincinnati Financial

Cincinnati Financial Corporation offers primarily business, home and auto insurance through The Cincinnati Insurance Company and its two standard market property casualty companies. The same local independent insurance agencies that market those policies may offer products of our other subsidiaries, including life insurance, fixed annuities and surplus lines property and casualty insurance. For additional information about the company, please visit cinfin.com.

Mailing Address: Street Address:

P.O. Box 145496 6200 South Gilmore Road

Cincinnati, Ohio 45250-5496 Fairfield, Ohio 45014-5141

CINF 3Q26 Release 9

Safe Harbor Statement

Our business is subject to certain risks and uncertainties that may cause actual results to differ materially from those suggested by forward-looking statements. Any forward-looking statements contained herein, are based upon our current estimates, assumptions and plans that are subject to uncertainty. These statements are made subject to the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by words like “seek,” “expect,” “will,” “should,” “could,” “might,” “anticipate,” “believe,” “estimate,” “intend,” “likely,” “future,” or other similar expressions. Forward-looking statements speak only as of the date they were made; we assume no obligation to update such statements. Factors that could cause actual results to differ materially from those expressed in, or implied by, the forward-looking statements include, but are not limited to:

Insurance-Related Risks

•Risks and uncertainties associated with our loss reserves or actual claim costs exceeding reserves

•Increased frequency and/or severity of claims or development of claims that are unforeseen at the time of policy issuance

•Unusually high levels of catastrophe losses due to risk concentrations or changes in weather patterns, environmental events, war or political unrest, terrorism incidents, cyberattacks, civil unrest or other causes; and our ability to manage catastrophe risk

•Risks associated with analytical models in key areas such as underwriting, pricing, capital management, reserving, investments, reinsurance, and catastrophe risk management

•Inadequate estimates or assumptions, or reliance on third-party data used for critical accounting estimates

•Events or conditions that could weaken or harm our relationships with our independent agencies and hamper opportunities to add new agencies, resulting in limitations on our opportunities for growth

•Mergers, acquisitions, and other consolidations of agencies that result in a concentration of a significant amount of premium in one agency or agency group and/or alter our competitive advantages

•Our inability to manage business opportunities, growth prospects, and expenses for our ongoing operations

•Changing consumer insurance-buying habits

•The inability to obtain adequate ceded reinsurance on acceptable terms, for acceptable amounts, and from financially strong reinsurers; and the potential for nonpayment or delay in payment by reinsurers

•Domestic and global events, such as the wars in Ukraine and in the Middle East, future pandemics, inflationary trends, changes in U.S. trade and tariff policy, and disruptions in the banking and financial services industry, resulting in insurance losses, capital market or credit market uncertainty, followed by prolonged periods of economic instability or recession, that lead to:

◦Securities market disruption or volatility and related effects such as decreased economic activity and continued supply chain disruptions that affect our investment portfolio and book value

◦Significant or prolonged decline in the fair value of securities and impairment of the assets

◦Significant decline in investment income due to reduced or eliminated dividend payouts from securities

◦Significant rise in losses from surety or director and officer policies written for financial institutions or other insured entities or in losses from policies written by Cincinnati Re or Cincinnati Global

◦An unusually high level of claims in our insurance or reinsurance operations that increase litigation-related expenses

◦Decreased premium revenue and cash flow from disruption to our distribution channel of independent agents, consumer self-isolation, travel limitations, business restrictions and decreased economic activity

◦The inability of our workforce, agencies, or vendors to perform necessary business functions

Financial, Economic, and Investment Risks

•Declines in overall stock market values negatively affecting our equity portfolio and book value

•Downgrades in our financial strength ratings

•Interest rate fluctuations or other factors that could significantly affect:

◦Our ability to generate growth in investment income

◦Values of our fixed-maturity investments and accounts in which we hold bank-owned life insurance contract assets

◦Our traditional life policy reserves

•Economic volatility and illiquidity associated with our alternative investments in private equity, private credit, real property, and limited partnerships

CINF 3Q26 Release 10

•Failure to comply with covenants and other requirements under our credit facilities, senior debt, and other debt obligations

•Recession, prolonged elevated inflation, or other economic conditions resulting in lower demand for insurance products or increased payment delinquencies

•The inability of our subsidiaries to pay dividends consistent with current or past levels impacting our ability to pay shareholder dividends or repurchase shares

General Business, Technology, and Operational Risks

•Ineffective information technology systems or failing to develop and implement improvements in technology

•Difficulties with technology or data security breaches, including cyberattacks, could negatively affect our, or our agents’, ability to conduct business; disrupt our relationships with agents, policyholders, and others; cause reputational damage, mitigation expenses, data loss, and expose us to liability

•Difficulties with our operations and technology that may negatively impact our ability to conduct business, including cloud-based data information storage, data security, remote working capabilities, and/or outsourcing relationships and third-party operations and data security

•Disruption of the insurance market caused by technology innovations such as driverless cars that could decrease consumer demand for insurance products

•Delays, inadequate data developed internally or from third parties, or performance inadequacies from ongoing development and implementation of underwriting and pricing models and methods, including usage-based insurance methods, automation, artificial intelligence, or technology projects and enhancements expected to increase our efficiency, pricing accuracy, underwriting profit, and competitiveness

•Intense competition, and the impact of innovation, emerging technologies, artificial intelligence and changing customer preferences on the insurance industry and the markets in which we operate, could harm our ability to maintain or increase our business volumes and profitability

•Inability to defer policy acquisition costs for any business segment if pricing and loss trends would lead management to conclude that the segment could not achieve sustainable profitability

•Unforeseen departure of certain executive officers or other key employees that could interrupt progress toward important strategic goals or diminish the effectiveness of certain longstanding relationships with insurance agents and others

•Our inability, or the inability of our independent agents, to attract and retain personnel

•Events, such as a pandemic, an epidemic, natural catastrophe, or terrorism, which could hamper our ability to assemble our workforce, work effectively in a remote environment, or other failures of business continuity or disaster recovery programs

Regulatory, Compliance, and Legal Risks

•Actions of insurance departments, state attorneys general or other regulatory agencies, including a change to a federal system of regulation from a state-based system, that:

◦Impose new obligations on us that increase our expenses or change the assumptions underlying our critical accounting estimates

◦Place the insurance industry under greater regulatory scrutiny or result in new statutes, rules, and regulations

◦Restrict our ability to exit or reduce writings of unprofitable coverages or lines of business

◦Increase assessments for guaranty funds, other insurance‑related assessments, or mandatory reinsurance arrangements; or that impair our ability to recover such assessments through future surcharges or other rate changes

◦Increase our provision for federal income taxes due to changes in tax laws, regulations, or interpretations

◦Increase other expenses

◦Limit our ability to set fair, adequate, and reasonable rates

◦Restrict our ability to cancel policies

◦Impose new underwriting standards

◦Place us at a disadvantage in the marketplace

◦Restrict our ability to execute our business model, including the way we compensate agents

CINF 3Q26 Release 11

•Adverse outcomes from litigation, environmental claims, mass torts or administrative proceedings, including effects of social inflation and third-party litigation funding on the size and frequency of litigation awards

•Events or actions, including unauthorized intentional circumvention of controls, which reduce our future ability to maintain effective internal control over financial reporting under the Sarbanes-Oxley Act of 2002

•Effects of changing social, global, economic, and regulatory environments

•Additional measures affecting corporate financial reporting and governance that can affect the market value of our common stock

Risks and uncertainties are further discussed in other filings with the Securities and Exchange Commission, including our 2025 Annual Report on Form 10-K, Item 1A, Risk Factors, Page 30.

* * *

CINF 3Q26 Release 12

Cincinnati Financial Corporation

Condensed Consolidated Balance Sheets and Statements of Income (unaudited)


(Dollars in millions)					September 30,		December 31,
					2026		2025
Assets
Investments					$	33,139	$	31,783
Cash and cash equivalents					1,239		1,431

Premiums receivable					3,427		3,142
Reinsurance recoverable					624		655
Deferred policy acquisition costs					1,422		1,344
Other assets					2,760		2,647
Total assets					$	42,611	$	41,002

Liabilities
Insurance reserves					$	15,611	$	14,499
Unearned premiums					5,643		5,254
Deferred income tax					1,616		1,833
Long-term debt and lease obligations					858		861
Other liabilities					2,701		2,644
Total liabilities					26,429		25,091

Shareholders’ Equity
Common stock and paid-in capital					1,992		1,958
Retained earnings					18,273		16,719
Accumulated other comprehensive loss					(951)		(34)
Treasury stock					(3,132)		(2,732)
Total shareholders' equity					16,182		15,911
Total liabilities and shareholders' equity					$	42,611	$	41,002

(Dollars in millions, except per share data)	Three months ended September 30,				Nine months ended September 30,
	2026		2025		2026		2025
Revenues
Earned premiums	$	2,690	$	2,567	$	7,929	$	7,391
Investment income, net of expenses	325		295		962		860
Investment gains and losses, net	20		853		1,258		1,259
Other revenues	12		11		35		30
Total revenues	3,047		3,726		10,184		9,540

Benefits and Expenses
Insurance losses and contract holders' benefits	1,675		1,540		5,313		5,168
Underwriting, acquisition and insurance expenses	799		754		2,349		2,165
Interest expense	12		13		39		40
Other operating expenses	8		6		28		27
Total benefits and expenses	2,494		2,313		7,729		7,400

Income Before Income Taxes	553		1,413		2,455		2,140

Provision for Income Taxes	94		291		467		423

Net Income	$	459	$	1,122	$	1,988	$	1,717

Per Common Share:
Net income — basic	$	2.99	$	7.19	$	12.88	$	10.99
Net income — diluted	2.96		7.11		12.75		10.88

CINF 3Q26 Release 13

Definitions of Non-GAAP Information and Reconciliation to Comparable GAAP Measures

(See attached tables for reconciliations; additional prior-period reconciliations available at investors.cinfin.com.)

Cincinnati Financial Corporation prepares its public financial statements in conformity with accounting principles generally accepted in the United States of America (GAAP). Statutory data is prepared in accordance with statutory accounting rules for insurance company regulation in the United States of America as defined by the National Association of Insurance Commissioners’ (NAIC) Accounting Practices and Procedures Manual, and therefore is not reconciled to GAAP data.

Management uses certain non-GAAP financial measures to evaluate its primary business areas – property casualty insurance, life insurance and investments. Management uses these measures when analyzing both GAAP and non-GAAP results to improve its understanding of trends in the underlying business and to help avoid incorrect or misleading assumptions and conclusions about the success or failure of company strategies. Management adjustments to GAAP measures generally: apply to non-recurring events that are unrelated to business performance and distort short-term results; involve values that fluctuate based on events outside of management’s control; supplement reporting segment disclosures with disclosures for a subsidiary company or for a combination of subsidiaries or reporting segments; or relate to accounting refinements that affect comparability between periods, creating a need to analyze data on the same basis.

•Non-GAAP operating income: Non-GAAP operating income is calculated by excluding investment gains and losses (defined as investment gains and losses after applicable federal and state income taxes) and other significant non-recurring items from net income. Management evaluates non-GAAP operating income to measure the success of pricing, rate and underwriting strategies. While investment gains (or losses) are integral to the company’s insurance operations over the long term, the determination to realize investment gains or losses on fixed-maturity securities sold in any period may be subject to management’s discretion and is independent of the insurance underwriting process. Also, under applicable GAAP accounting requirements, gains and losses are recognized from certain changes in market values of securities without actual realization. Management believes that the level of investment gains or losses for any particular period, while it may be material, may not fully indicate the performance of ongoing underlying business operations in that period.

For these reasons, many investors and shareholders consider non-GAAP operating income to be one of the more meaningful measures for evaluating insurance company performance. Equity analysts who report on the insurance industry and the company generally focus on this metric in their analyses. The company presents non-GAAP operating income so that all investors have what management believes to be a useful supplement to GAAP information.

• Consolidated property casualty insurance results: To supplement reporting segment disclosures related to our property casualty insurance operations, we also evaluate results for those operations on a basis that includes results for our property casualty insurance and brokerage services subsidiaries. That is the total of our commercial lines, personal lines and our excess and surplus lines segments plus our reinsurance assumed operations known as Cincinnati Re and our London-based global specialty underwriter known as Cincinnati Global.

•Life insurance subsidiary results: To supplement life insurance reporting segment disclosures related to our life insurance operation, we also evaluate results for that operation on a basis that includes life insurance subsidiary investment income, or investment income plus investment gains and losses, that are also included in our investments reporting segment. We recognize that assets under management, capital appreciation and investment income are integral to evaluating the success of the life insurance segment because of the long duration of life products.

CINF 3Q26 Release 14

Cincinnati Financial Corporation


Net Income Reconciliation

(Dollars in millions, except per share data)	Three months ended September 30,					Nine months ended September 30,
		2026		2025			2026		2025
Net income		$	459	$	1,122		$	1,988	$	1,717
Less:
Investment gains and losses, net		20		853			1,258		1,259
Income tax on investment gains and losses		(4)		(180)			(267)		(265)
Investment gains and losses, after-tax		16		673			991		994

Non-GAAP operating income		$	443	$	449		$	997	$	723

Diluted per share data:
Net income		$	2.96	$	7.11		$	12.75	$	10.88
Less:
Investment gains and losses, net		0.13		5.40			8.07		7.98
Income tax on investment gains and losses		(0.03)		(1.14)			(1.71)		(1.68)
Investment gains and losses, after-tax		0.10		4.26			6.36		6.30

Non-GAAP operating income		$	2.86	$	2.85		$	6.39	$	4.58


Life Insurance Reconciliation

(Dollars in millions)	Three months ended September 30,					Nine months ended September 30,
		2026		2025			2026		2025
Net income of the life insurance subsidiary		$	31	$	28		$	87	$	75
Investment gains and losses, net		4		(1)			3		(6)
Income tax on investment gains and losses		1		—			1		(1)
Non-GAAP operating income		28		29			85		80

Investment income, net of expenses		(53)		(52)			(161)		(151)
Investment interest credited to contract holders		32		32			97		95
Income tax excluding tax on investment gains and losses, net		7		8			22		21
Life insurance segment profit		$	14	$	17		$	43	$	45

CINF 3Q26 Release 15


Property Casualty Insurance Reconciliation
(Dollars in millions)	Three months ended September 30, 2026
	Consolidated			Commercial			Personal			E&S				Other*
Premiums:
Net written premiums		$	2,550		$	1,199		$	957		$	184		$	210
Unearned premiums change		55			71			(69)			3			50
Earned premiums		$	2,605		$	1,270		$	888		$	187		$	260

Underwriting profit		$	240		$	92		$	88		$	21		$	39

(Dollars in millions)	Nine months ended September 30, 2026
	Consolidated			Commercial			Personal			E&S				Other*
Premiums:
Net written premiums		$	8,043		$	3,885		$	2,722		$	585		$	851
Unearned premiums change		(371)			(123)			(81)			(29)			(138)
Earned premiums		$	7,672		$	3,762		$	2,641		$	556		$	713

Underwriting profit		$	337		$	61		$	119		$	61		$	96

(Dollars in millions)	Three months ended September 30, 2025
	Consolidated			Commercial			Personal			E&S			Other*
Premiums:
Net written premiums		$	2,493		$	1,198		$	951		$	175		$	169
Unearned premiums change		(9)			31			(113)			(1)			74
Earned premiums		$	2,484		$	1,229		$	838		$	174		$	243

Underwriting profit		$	293		$	111		$	99		$	19		$	64

(Dollars in millions)	Nine months ended September 30, 2025
	Consolidated			Commercial			Personal			E&S			Other*
Premiums:
Net written premiums		$	7,721		$	3,813		$	2,603		$	545		$	760
Unearned premiums change		(576)			(193)			(263)			(35)			(85)
Earned premiums		$	7,145		$	3,620		$	2,340		$	510		$	675

Underwriting profit (loss)		$	123		$	295		$	(272)		$	55		$	45

Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. *Included in Other are the results of Cincinnati Re and Cincinnati Global.

CINF 3Q26 Release 16

Cincinnati Financial Corporation

Other Measures

•Value creation ratio: This is a measure of shareholder value creation that management believes captures the contribution of the company’s insurance operations, the success of its investment strategy and the importance placed on paying cash dividends to shareholders. The value creation ratio measure is made up of two primary components: (1) rate of growth in book value per share plus (2) the ratio of dividends declared per share to beginning book value per share. Management believes this measure is useful, providing a meaningful measure of long-term progress in creating shareholder value. It is intended to be all-inclusive regarding changes in book value per share, and uses originally reported book value per share in cases where book value per share has been adjusted, such as adoption of Accounting Standards Updates with a cumulative effect of a change in accounting.

• Written premium: Under statutory accounting rules in the U.S., property casualty written premium is the amount recorded for policies issued and recognized on an annualized basis at the effective date of the policy. Management analyzes trends in written premium to assess business efforts. The difference between written and earned premium is unearned premium.

Value Creation Ratio Calculations


(Dollars are per share)	Three months ended September 30,							Nine months ended September 30,
		2026			2025				2026			2025





Value creation ratio:
End of period book value*		$	105.42		$	98.76			$	105.42		$	98.76
Less beginning of period book value		108.64			91.46				102.35			89.11
Change in book value		(3.22)			7.30				3.07			9.65
Dividend declared to shareholders		0.94			0.87				2.82			2.61
Total value creation		$	(2.28)		$	8.17			$	5.89		$	12.26

Value creation ratio from change in book value**		(3.0)		%	8.0		%		3.0		%	10.9		%
Value creation ratio from dividends declared to shareholders***		0.9			0.9				2.8			2.9
Value creation ratio		(2.1)		%	8.9		%		5.8		%	13.8		%

* Book value per share is calculated by dividing end of period total shareholders' equity by end of period shares outstanding
** Change in book value divided by the beginning of period book value
*** Dividend declared to shareholders divided by beginning of period book value

CINF 3Q26 Release 17

Cincinnati Financial Corporation

Supplemental Financial Data

for the period ending September 30, 2026

6200 South Gilmore Road

Fairfield, Ohio 45014-5141

cinfin.com


Investor Contact:	Media Contact:	Shareholder Contact:
Andrew F. Gossard	Betsy E. Ertel	Brandon McIntosh
513-870-2768	513-603-5323	513-870-2696

A.M. Best Company

Fitch Ratings

Moody's Investor Service

S&P Global Ratings

Cincinnati Financial Corporation

Corporate Debt

BBB+

The Cincinnati Insurance Companies

Insurer Financial Strength

Property Casualty Group

Standard Market Subsidiaries:

A+

AA-

A+

The Cincinnati Insurance Company

A+

AA-

A+

The Cincinnati Indemnity Company

A+

AA-

A+

The Cincinnati Casualty Company

A+

AA-

A+

Surplus Lines Subsidiary:

The Cincinnati Specialty Underwriters Insurance Company

A+

—

The Cincinnati Life Insurance Company

A+

AA-

—

A+

Ratings are as of October 23, 2026, under continuous review and subject to change and/or affirmation. For the current ratings, select Financial Strength under About on cinfin.com.

The consolidated financial statements and financial exhibits that follow are unaudited. These consolidated financial statements and exhibits should be read in conjunction with the consolidated financial statements and notes included with our periodic filings with the U.S. Securities and Exchange Commission. The results of operations for interim periods may not be indicative of results to be expected for the full year.

CINF Third-Quarter 2026 Supplemental Financial Data


	Cincinnati Financial Corporation
	Supplemental Financial Data
	for the period ending September 30, 2026

		Page
	Definitions of Non-GAAP Information and Reconciliation to Comparable GAAP Measures	3

Consolidated

	CFC and Subsidiaries Consolidation – Nine Months Ended September 30, 2026	4
	CFC and Subsidiaries Consolidation – Three Months Ended September 30, 2026	5


Consolidated Property Casualty Insurance Operations
	Losses Incurred Detail	6
	Loss Ratio Detail	7
	Loss Claim Count Detail	8

	Quarterly Property Casualty Data – Commercial Lines	9
	Quarterly Property Casualty Data – Personal Lines and Excess & Surplus Lines	10
	Loss and Loss Expense Analysis – Nine Months Ended September 30, 2026	11
	Loss and Loss Expense Analysis – Three Months Ended September 30, 2026	12

Reconciliation Data
	Quarterly Property Casualty Data – Consolidated	13
	Quarterly Property Casualty Data – Commercial Lines	14
	Quarterly Property Casualty Data – Personal Lines	15
	Quarterly Property Casualty Data – Excess & Surplus Lines	16

Statutory Statements of Income
	Consolidated Cincinnati Insurance Companies Statutory Statements of Income	17
	The Cincinnati Life Insurance Company Statutory Statements of Income	18

Other
	Quarterly Data – Other	19

CINF Third-Quarter 2026 Supplemental Financial Data

Definitions of Non-GAAP Information and

Reconciliation to Comparable GAAP Measures

•Consolidated property casualty insurance results: To supplement reporting segment disclosures related to our property casualty insurance operations, we also evaluate results for those operations on a basis that includes results for our property casualty insurance and brokerage services subsidiaries. That is the total of our commercial lines, personal lines and our excess and surplus lines segments plus our reinsurance assumed operations known as Cincinnati Re and our London-based global specialty underwriter known as Cincinnati Global.

Other Measures

•Statutory accounting rules: For public reporting, insurance companies prepare financial statements in accordance with GAAP. However, insurers also must calculate certain data according to statutory accounting rules for insurance company regulation in the United States of America as defined in the NAIC’s Accounting Practices and Procedures Manual, which may be, and has been, modified by various state insurance departments and differ from GAAP. Statutory data is publicly available, and various organizations use it to calculate aggregate industry data, study industry trends and compare insurance companies.

•Written premium: Under statutory accounting rules in the U.S., property casualty written premium is the amount recorded for policies issued and recognized on an annualized basis at the effective date of the policy. Management analyzes trends in written premium to assess business efforts. The difference between written and earned premium is unearned premium.

CINF Third-Quarter 2026 Supplemental Financial Data


Cincinnati Financial Corporation and Subsidiaries
Consolidated Statements of Income for the Nine Months Ended September 30, 2026

(Dollars in millions)	CFC		CONSOL P&C		CLIC		CFC-I		ELIM		Total
Revenues
Premiums earned:
Property casualty	$	—	$	7,981	$	—	$	—	$	—	$	7,981
Life	—		—		318		—		—		318
Premiums ceded	—		(309)		(61)		—		—		(370)
Total earned premium	—		7,672		257		—		—		7,929
Investment income, net of expenses	94		709		161		—		(2)		962
Investment gains and losses, net	470		786		3		—		(1)		1,258
Fee revenues	—		11		5		—		—		16
Other revenues	11		15		—		9		(16)		19
Total revenues	$	575	$	9,193	$	426	$	9	$	(19)	$	10,184

Benefits & expenses
Losses & contract holders' benefits	$	—	$	5,140	$	292	$	—	$	—	$	5,432
Reinsurance recoveries	—		(70)		(49)		—		—		(119)
Underwriting, acquisition and insurance expenses	—		2,276		73		—		—		2,349
Interest expense	39		—		—		2		(2)		39
Other operating expenses	36		6		—		3		(17)		28
Total expenses	$	75	$	7,352	$	316	$	5	$	(19)	$	7,729

Income before income taxes	$	500	$	1,841	$	110	$	4	$	—	$	2,455

Provision (benefit) for income taxes
Current operating income (loss)	$	(28)	$	168	$	28	$	1	$	—	$	169
Capital gains/losses	99		167		1		—		—		267
Deferred	20		17		(6)		—		—		31
Total provision for income taxes	$	91	$	352	$	23	$	1	$	—	$	467

Net income - current year	$	409	$	1,489	$	87	$	3	$	—	$	1,988

Net income - prior year	$	352	$	1,289	$	75	$	1	$	—	$	1,717
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2026 Supplemental Financial Data


Cincinnati Financial Corporation and Subsidiaries
Consolidated Statements of Income for the Three Months Ended September 30, 2026

(Dollars in millions)	CFC		CONSOL P&C		CLIC		CFC-I		ELIM		Total
Revenues
Premiums earned:
Property casualty	$	—	$	2,717	$	—	$	—	$	—	$	2,717
Life	—		—		106		—		—		106
Premiums ceded	—		(112)		(21)		—		—		(133)
Total earned premium	—		2,605		85		—		—		2,690
Investment income, net of expenses	28		244		53		—		—		325
Investment gains and losses, net	89		(73)		4		—		—		20
Fee revenues	—		4		2		—		—		6
Other revenues	4		5		—		3		(6)		6
Total revenues	$	121	$	2,785	$	144	$	3	$	(6)	$	3,047

Benefits & expenses
Losses & contract holders' benefits	$	—	$	1,621	$	97	$	—	$	—	$	1,718
Reinsurance recoveries	—		(26)		(17)		—		—		(43)
Underwriting, acquisition and insurance expenses	—		774		25		—		—		799
Interest expense	13		—		—		—		(1)		12
Other operating expenses	11		1		—		1		(5)		8
Total expenses	$	24	$	2,370	$	105	$	1	$	(6)	$	2,494

Income before income taxes	$	97	$	415	$	39	$	2	$	—	$	553

Provision (benefit) for income taxes
Current operating income (loss)	$	(19)	$	126	$	8	$	1	$	—	$	116
Capital gains/losses	18		(15)		1		—		—		4
Deferred	10		(35)		(1)		—		—		(26)
Total provision for income taxes	$	9	$	76	$	8	$	1	$	—	$	94

Net income - current year	$	88	$	339	$	31	$	1	$	—	$	459

Net income - prior year	$	263	$	831	$	28	$	—	$	—	$	1,122
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2026 Supplemental Financial Data


Consolidated Property Casualty
Losses Incurred Detail
(Dollars in millions)	Three months ended															Six months ended				Nine months ended				Twelve months ended
	12/31/26	9/30/26		6/30/26		3/31/26		12/31/25		9/30/25		6/30/25		3/31/25		6/30/26		6/30/25		9/30/26		9/30/25		12/31/26	12/31/25
Consolidated
Current accident year losses greater than $5 million		$	31	$	29	$	8	$	27	$	48	$	15	$	26	$	37	$	41	$	68	$	89		$	116
Current accident year losses $2 million - $5 million		56		55		20		61		35		40		20		75		60		131		95			156
Large loss prior accident year reserve development		(17)		51		50		40		49		27		56		101		83		84		132			172
Total large losses incurred		$	70	$	135	$	78	$	128	$	132	$	82	$	102	$	213	$	184	$	283	$	316		$	444
Losses incurred but not reported		91		288		219		164		158		213		279		507		492		598		650			814
Other losses excluding catastrophe losses		890		767		838		786		831		741		688		1,605		1,429		2,495		2,260			3,046
Catastrophe losses		270		359		266		18		83		280		558		625		838		895		921			939
Total losses incurred		$	1,321	$	1,549	$	1,401	$	1,096	$	1,204	$	1,316	$	1,627	$	2,950	$	2,943	$	4,271	$	4,147		$	5,243
Commercial Lines
Current accident year losses greater than $5 million		$	26	$	29	$	—	$	11	$	48	$	5	$	7	$	29	$	12	$	55	$	60		$	71
Current accident year losses $2 million - $5 million		41		33		5		34		12		22		15		38		37		79		49			83
Large loss prior accident year reserve development		(25)		53		35		37		47		14		44		88		58		63		105			142
Total large losses incurred		$	42	$	115	$	40	$	82	$	107	$	41	$	66	$	155	$	107	$	197	$	214		$	296
Losses incurred but not reported		58		104		94		44		67		106		163		198		269		256		336			380
Other losses excluding catastrophe losses		433		403		441		408		405		383		318		844		701		1,277		1,106			1,514
Catastrophe losses		84		147		117		5		29		83		40		264		123		348		152			157
Total losses incurred		$	617	$	769	$	692	$	539	$	608	$	613	$	587	$	1,461	$	1,200	$	2,078	$	1,808		$	2,347
Personal Lines
Current accident year losses greater than $5 million		$	5	$	—	$	8	$	16	$	—	$	10	$	19	$	8	$	29	$	13	$	29		$	45
Current accident year losses $2 million - $5 million		13		22		15		25		23		18		5		37		23		50		46			71
Large loss prior accident year reserve development		8		(2)		15		3		2		13		12		13		25		21		27			30
Total large losses incurred		$	26	$	20	$	38	$	44	$	25	$	41	$	36	$	58	$	77	$	84	$	102		$	146
Losses incurred but not reported		—		77		71		39		32		37		74		148		111		148		143			182
Other losses excluding catastrophe losses		310		271		282		298		316		257		254		553		511		863		827			1,125
Catastrophe losses		166		190		144		6		54		186		405		334		591		500		645			651
Total losses incurred		$	502	$	558	$	535	$	387	$	427	$	521	$	769	$	1,093	$	1,290	$	1,595	$	1,717		$	2,104
Excess & Surplus Lines
Current accident year losses greater than $5 million		$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—		$	—
Current accident year losses $2 million - $5 million		2		—		—		2		—		—		—		—		—		2		—			2
Large loss prior accident year reserve development		—		—		—		—		—		—		—		—		—		—		—			—
Total large losses incurred		$	2	$	—	$	—	$	2	$	—	$	—	$	—	$	—	$	—	$	2	$	—		$	2
Losses incurred but not reported		37		57		38		24		16		31		46		95		77		132		93			117
Other losses excluding catastrophe losses		38		24		40		48		59		42		24		64		66		102		125			173
Catastrophe losses		1		2		1		(1)		—		3		—		3		3		4		3			2
Total losses incurred		$	78	$	83	$	79	$	73	$	75	$	76	$	70	$	162	$	146	$	240	$	221		$	294
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. The sum of quarterly amounts may not equal the full year as each is computed independently.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2026 Supplemental Financial Data


Consolidated Property Casualty
Loss Ratio Detail
	Three months ended															Six months ended				Nine months ended				Twelve months ended
	12/31/26	9/30/26		6/30/26		3/31/26		12/31/25		9/30/25		6/30/25		3/31/25		6/30/26		6/30/25		9/30/26		9/30/25		12/31/26	12/31/25
Consolidated
Current accident year losses greater than $5 million		1.2	%	1.2	%	0.3	%	1.1	%	1.9	%	0.6	%	1.2	%	0.7	%	0.9	%	0.9	%	1.3	%		1.2	%
Current accident year losses $2 million - $5 million		2.2		2.1		0.8		2.4		1.4		1.7		0.9		1.5		1.3		1.7		1.3			1.6
Large loss prior accident year reserve development		(0.7)		2.0		2.0		1.6		2.0		1.1		2.4		2.0		1.8		1.1		1.8			1.8
Total large loss ratio		2.7	%	5.3	%	3.1	%	5.1	%	5.3	%	3.4	%	4.5	%	4.2	%	4.0	%	3.7	%	4.4	%		4.6	%
Losses incurred but not reported		3.5		11.3		8.7		6.5		6.4		8.9		12.3		10.0		10.5		7.8		9.1			8.4
Other losses excluding catastrophe losses		34.1		30.1		33.2		31.4		33.4		30.9		30.4		31.7		30.6		32.5		31.6			31.6
Catastrophe losses		10.4		14.1		10.6		0.7		3.4		11.7		24.6		12.3		18.0		11.7		12.9			9.7
Total loss ratio		50.7	%	60.8	%	55.6	%	43.7	%	48.5	%	54.9	%	71.8	%	58.2	%	63.1	%	55.7	%	58.0	%		54.3	%
Commercial Lines
Current accident year losses greater than $5 million		2.0	%	2.4	%	—	%	0.9	%	3.9	%	0.5	%	0.6	%	1.2	%	0.5	%	1.5	%	1.7	%		1.5	%
Current accident year losses $2 million - $5 million		3.2		2.7		0.4		2.7		1.0		1.8		1.2		1.5		1.5		2.1		1.3			1.7
Large loss prior accident year reserve development		(1.9)		4.2		2.8		3.0		3.8		1.2		3.8		3.6		2.5		1.6		2.9			2.9
Total large loss ratio		3.3	%	9.3	%	3.2	%	6.6	%	8.7	%	3.5	%	5.6	%	6.3	%	4.5	%	5.2	%	5.9	%		6.1	%
Losses incurred but not reported		4.5		8.3		7.6		3.6		5.4		8.7		13.9		8.0		11.3		6.8		9.3			7.8
Other losses excluding catastrophe losses		34.1		32.1		35.5		32.8		33.0		31.6		26.8		33.7		29.3		33.9		30.5			31.2
Catastrophe losses		6.6		11.7		9.5		0.4		2.4		6.8		3.4		10.6		5.1		9.3		4.2			3.2
Total loss ratio		48.5	%	61.4	%	55.8	%	43.4	%	49.5	%	50.6	%	49.7	%	58.6	%	50.2	%	55.2	%	49.9	%		48.3	%
Personal Lines
Current accident year losses greater than $5 million		0.6	%	—	%	0.9	%	1.8	%	—	%	1.3	%	2.8	%	0.4	%	2.0	%	0.5	%	1.3	%		1.4	%
Current accident year losses $2 million - $5 million		1.6		2.3		1.8		2.8		2.9		2.2		0.7		2.1		1.5		1.9		2.0			2.2
Large loss prior accident year reserve development		0.8		(0.2)		1.8		0.4		0.2		1.5		1.8		0.8		1.6		0.8		1.1			0.9
Total large loss ratio		3.0	%	2.1	%	4.5	%	5.0	%	3.1	%	5.0	%	5.3	%	3.3	%	5.1	%	3.2	%	4.4	%		4.5	%
Losses incurred but not reported		—		8.7		8.1		4.5		3.8		4.7		10.5		8.4		7.4		5.6		6.1			5.7
Other losses excluding catastrophe losses		34.9		31.0		32.3		34.8		37.5		32.0		36.4		31.5		34.1		32.7		35.4			35.2
Catastrophe losses		18.7		21.6		16.4		0.8		6.5		23.1		57.9		19.1		39.3		18.9		27.5			20.4
Total loss ratio		56.6	%	63.4	%	61.3	%	45.1	%	50.9	%	64.8	%	110.1	%	62.3	%	85.9	%	60.4	%	73.4	%		65.8	%
Excess & Surplus Lines
Current accident year losses greater than $5 million		—	%	—	%	—	%	—	%	—	%	—	%	—	%	—	%	—	%	—	%	—	%		—	%
Current accident year losses $2 million - $5 million		1.1		—		—		1.1		—		—		—		—		—		0.3		—			0.3
Large loss prior accident year reserve development		—		—		—		(0.1)		—		—		—		—		—		—		—			—
Total large loss ratio		1.1	%	—	%	—	%	1.0	%	—	%	—	%	—	%	—	%	—	%	0.3	%	—	%		0.3	%
Losses incurred but not reported		19.5		30.7		20.8		12.7		9.2		18.1		28.1		25.8		23.0		23.7		18.3			16.8
Other losses excluding catastrophe losses		20.0		13.2		22.1		26.0		33.6		24.4		14.8		17.6		19.7		18.5		24.4			24.8
Catastrophe losses		1.0		0.8		0.7		(0.6)		—		1.3		0.2		0.7		0.8		0.8		0.5			0.2
Total loss ratio		41.6	%	44.7	%	43.6	%	39.1	%	42.8	%	43.8	%	43.1	%	44.1	%	43.5	%	43.3	%	43.2	%		42.1	%
*Certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2026 Supplemental Financial Data


Consolidated Property Casualty
Loss Claim Count Detail
	Three months ended								Six months ended		Nine months ended		Twelve months ended
	12/31/26	9/30/26	6/30/26	3/31/26	12/31/25	9/30/25	6/30/25	3/31/25	6/30/26	6/30/25	9/30/26	9/30/25	12/31/26	12/31/25
Consolidated
Current accident year reported losses greater than $5 million		6	3	1	3	6	2	3	4	5	10	12		15
Current accident year reported losses $2 million - $5 million		21	19	7	21	17	14	7	26	21	47	32		53
Prior accident year reported losses on large losses		5	10	17	15	11	13	15	27	28	32	39		54
Non-Catastrophe reported losses on large losses total		32	32	25	39	34	29	25	57	54	89	83		122
Commercial Lines
Current accident year reported losses greater than $5 million		5	3	—	2	6	1	1	3	2	8	9		10
Current accident year reported losses $2 million - $5 million		15	11	2	11	9	7	5	13	12	28	16		28
Prior accident year reported losses on large losses		4	9	13	14	11	10	11	22	21	26	32		46
Non-Catastrophe reported losses on large losses total		24	23	15	27	26	18	17	38	35	62	57		84
Personal Lines
Current accident year reported losses greater than $5 million		1	—	1	1	—	1	2	1	3	2	3		5
Current accident year reported losses $2 million - $5 million		5	8	5	9	8	7	2	13	9	18	16		24
Prior accident year reported losses on large losses		1	1	4	1	—	3	4	5	7	6	7		8
Non-Catastrophe reported losses on large losses total		7	9	10	11	8	11	8	19	19	26	26		37
Excess & Surplus Lines
Current accident year reported losses greater than $5 million		—	—	—	—	—	—	—	—	—	—	—		—
Current accident year reported losses $2 million - $5 million		1	—	—	1	—	—	—	—	—	1	—		1
Prior accident year reported losses on large losses		—	—	—	—	—	—	—	—	—	—	—		—
Non-Catastrophe reported losses on large losses total		1	—	—	1	—	—	—	—	—	1	—		1
*The sum of quarterly amounts may not equal the full year as each is computed independently.

CINF Third-Quarter 2026 Supplemental Financial Data


Quarterly Property Casualty Data - Commercial Lines

(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/26	9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26	12/31/25
Commercial casualty:
Net written premiums		$	373		$	439		$	451		$	394		$	372		$	428		$	443		$	890		$	871		$	1,263		$	1,244			$	1,638
Year over year change %- written premium		—		%	3		%	2		%	2		%	2		%	9		%	6		%	2		%	8		%	2		%	6		%		5		%
Earned premiums		$	414		$	405		$	405		$	409		$	403		$	402		$	387		$	810		$	789		$	1,223		$	1,192			$	1,601
Current accident year before catastrophe losses		76.8		%	76.5		%	77.0		%	86.9		%	74.8		%	72.3		%	72.8		%	76.7		%	72.6		%	76.8		%	73.3		%		76.8		%
Current accident year catastrophe losses		—			—			—			—			—			—			—			—			—			—			—				—
Prior accident years before catastrophe losses		(0.3)			3.5			(0.7)			(0.2)			6.0			(0.4)			(0.3)			1.4			(0.4)			0.8			1.8				1.3
Prior accident years catastrophe losses		—			—			—			—			—			—			—			—			—			—			—				—
Total loss and loss expense ratio		76.5		%	80.0		%	76.3		%	86.7		%	80.8		%	71.9		%	72.5		%	78.1		%	72.2		%	77.6		%	75.1		%		78.1		%
Commercial property:
Net written premiums		$	410		$	435		$	427		$	395		$	422		$	428		$	411		$	862		$	839		$	1,272		$	1,260			$	1,655
Year over year change %- written premium		(3)		%	2		%	4		%	3		%	8		%	9		%	14		%	3		%	11		%	1		%	10		%		8		%
Earned premiums		$	423		$	418		$	415		$	410		$	405		$	399		$	389		$	833		$	787		$	1,256		$	1,192			$	1,602
Current accident year before catastrophe losses		32.6		%	44.9		%	43.8		%	23.9		%	37.2		%	40.2		%	43.5		%	44.3		%	41.8		%	40.4		%	40.2		%		36.0		%
Current accident year catastrophe losses		21.2			33.7			28.7			1.6			8.6			21.5			13.3			31.2			17.5			27.8			14.5				11.2
Prior accident years before catastrophe losses		(4.5)			(4.5)			(7.0)			(3.6)			(8.2)			(9.5)			(5.3)			(5.7)			(7.4)			(5.3)			(7.7)				(6.7)
Prior accident years catastrophe losses		(0.7)			(0.2)			(0.3)			0.3			(1.2)			(0.6)			(3.6)			(0.2)			(2.1)			(0.4)			(1.8)				(1.2)
Total loss and loss expense ratio		48.6		%	73.9		%	65.2		%	22.2		%	36.4		%	51.6		%	47.9		%	69.6		%	49.8		%	62.5		%	45.2		%		39.3		%
Commercial auto:
Net written premiums		$	255		$	292		$	299		$	240		$	243		$	271		$	283		$	591		$	555		$	847		$	797			$	1,037
Year over year change %- written premium		5		%	8		%	6		%	8		%	9		%	9		%	9		%	6		%	10		%	6		%	9		%		9		%
Earned premiums		$	270		$	268		$	259		$	258		$	253		$	247		$	241		$	527		$	489		$	797		$	742			$	1,000
Current accident year before catastrophe losses		63.2		%	65.0		%	67.7		%	66.5		%	64.7		%	65.0		%	68.6		%	66.3		%	66.8		%	65.3		%	66.1		%		66.2		%
Current accident year catastrophe losses		0.1			3.3			0.5			0.1			0.8			0.8			1.8			1.9			1.3			1.3			1.1				0.8
Prior accident years before catastrophe losses		0.2			1.1			0.7			2.5			4.1			7.2			2.9			1.0			5.1			0.7			4.8				4.2
Prior accident years catastrophe losses		0.1			—			—			(0.1)			—			(0.1)			(0.1)			—			(0.1)			—			(0.1)				(0.1)
Total loss and loss expense ratio		63.6		%	69.4		%	68.9		%	69.0		%	69.6		%	72.9		%	73.2		%	69.2		%	73.1		%	67.3		%	71.9		%		71.1		%
Workers' compensation:
Net written premiums		$	54		$	54		$	71		$	53		$	56		$	57		$	79		$	125		$	135		$	178		$	191			$	244
Year over year change %- written premium		(4)		%	(5)		%	(10)		%	(2)		%	—		%	4		%	—		%	(7)		%	1		%	(7)		%	1		%		—		%
Earned premiums		$	56		$	54		$	57		$	61		$	61		$	60		$	61		$	111		$	121		$	168		$	181			$	242
Current accident year before catastrophe losses		95.8		%	91.0		%	98.0		%	96.4		%	94.6		%	97.0		%	95.5		%	94.6		%	96.2		%	95.0		%	95.7		%		95.9		%
Current accident year catastrophe losses		—			—			—			—			—			—			—			—			—			—			—				—
Prior accident years before catastrophe losses		(29.3)			(27.2)			(15.7)			(32.3)			(28.3)			(27.8)			(18.6)			(21.4)			(23.1)			(24.1)			(24.9)				(26.8)
Prior accident years catastrophe losses		—			—			—			—			—			—			—			—			—			—			—				—
Total loss and loss expense ratio		66.5		%	63.8		%	82.3		%	64.1		%	66.3		%	69.2		%	76.9		%	73.2		%	73.1		%	70.9		%	70.8		%		69.1		%
Other commercial:
Net written premiums		$	107		$	107		$	111		$	103		$	105		$	106		$	109		$	218		$	215		$	325		$	321			$	424
Year over year change %- written premium		2		%	1		%	2		%	5		%	(1)		%	6		%	3		%	1		%	4		%	1		%	3		%		3		%
Earned premiums		$	107		$	106		$	105		$	105		$	107		$	104		$	101		$	211		$	205		$	318		$	313			$	418
Current accident year before catastrophe losses		52.7		%	53.6		%	51.9		%	53.6		%	51.1		%	50.5		%	45.8		%	52.8		%	48.2		%	52.8		%	49.2		%		50.3		%
Current accident year catastrophe losses		0.1			—			0.1			0.2			—			0.1			0.1			0.1			0.1			0.1			—				0.1
Prior accident years before catastrophe losses		(6.2)			0.1			(12.2)			0.5			2.9			(1.5)			(2.2)			(6.0)			(1.8)			(6.1)			(0.2)				—
Prior accident years catastrophe losses		—			—			0.1			—			—			0.1			—			—			—			—			—				—
Total loss and loss expense ratio		46.6		%	53.7		%	39.9		%	54.3		%	54.0		%	49.2		%	43.7		%	46.9		%	46.5		%	46.8		%	49.0		%		50.4		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently.

CINF Third-Quarter 2026 Supplemental Financial Data


Quarterly Property Casualty Data - Personal Lines

(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/26	9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26	12/31/25
Personal auto:
Net written premiums		$	321		$	332		$	275		$	285		$	328		$	333		$	266		$	607		$	599		$	928		$	927			$	1,212
Year over year change %- written premium		(2)		%	—		%	3		%	6		%	11		%	18		%	23		%	1		%	20		%	—		%	17		%		14		%
Earned premiums		$	305		$	304		$	303		$	300		$	295		$	285		$	271		$	606		$	556		$	911		$	851			$	1,151
Current accident year before catastrophe losses		67.8		%	68.3		%	69.2		%	68.3		%	67.8		%	67.8		%	71.2		%	68.8		%	69.5		%	68.4		%	68.9		%		68.8		%
Current accident year catastrophe losses		1.5			4.5			1.1			0.1			1.1			3.2			3.0			2.8			3.1			2.4			2.4				1.8
Prior accident years before catastrophe losses		(0.8)			(1.1)			3.2			1.9			1.9			—			(0.8)			1.0			(0.4)			0.4			0.4				0.8
Prior accident years catastrophe losses		—			—			—			—			—			—			(0.3)			—			(0.2)			—			(0.1)				(0.1)
Total loss and loss expense ratio		68.5		%	71.7		%	73.5		%	70.3		%	70.8		%	71.0		%	73.1		%	72.6		%	72.0		%	71.2		%	71.6		%		71.3		%
Homeowner:
Net written premiums		$	524		$	537		$	406		$	446		$	518		$	532		$	320		$	943		$	852		$	1,467		$	1,370			$	1,816
Year over year change %- written premium		1		%	1		%	27		%	13		%	17		%	23		%	6		%	11		%	16		%	7		%	16		%		16		%
Earned premiums		$	477		$	473		$	469		$	459		$	444		$	425		$	338		$	942		$	763		$	1,420		$	1,208			$	1,667
Current accident year before catastrophe losses		32.4		%	40.6		%	41.1		%	38.1		%	37.6		%	38.8		%	53.4		%	40.8		%	45.2		%	38.0		%	42.4		%		41.2		%
Current accident year catastrophe losses		35.4			36.1			30.2			1.8			12.9			44.3			122.5			33.2			79.0			33.9			54.7				40.1
Prior accident years before catastrophe losses		(5.4)			(2.5)			(2.8)			0.5			0.9			(3.0)			(2.0)			(2.7)			(2.6)			(3.6)			(1.3)				(0.8)
Prior accident years catastrophe losses		(1.5)			1.5			(0.3)			(0.8)			(1.6)			(3.0)			(3.5)			0.6			(3.2)			(0.1)			(2.6)				(2.1)
Total loss and loss expense ratio		60.9		%	75.7		%	68.2		%	39.6		%	49.8		%	77.1		%	170.4		%	71.9		%	118.4		%	68.2		%	93.2		%		78.4		%
Other personal:
Net written premiums		$	112		$	121		$	94		$	96		$	105		$	115		$	86		$	215		$	201		$	327		$	306			$	402
Year over year change %- written premium		7		%	5		%	9		%	8		%	12		%	12		%	13		%	7		%	12		%	7		%	12		%		11		%
Earned premiums		$	106		$	103		$	101		$	100		$	99		$	94		$	89		$	205		$	183		$	310		$	281			$	381
Current accident year before catastrophe losses		59.9		%	59.2		%	62.0		%	55.5		%	58.8		%	58.3		%	76.2		%	60.6		%	67.0		%	60.3		%	64.2		%		61.9		%
Current accident year catastrophe losses		3.5			4.2			4.0			6.3			6.9			6.8			1.1			4.1			4.0			3.9			5.0				5.3
Prior accident years before catastrophe losses		(3.4)			(3.5)			(1.0)			14.3			12.5			7.4			3.7			(2.3)			5.6			(2.6)			8.0				9.7
Prior accident years catastrophe losses		0.6			(0.2)			(1.0)			—			(0.8)			(0.1)			(0.4)			(0.6)			(0.2)			(0.2)			(0.5)				(0.3)
Total loss and loss expense ratio		60.6		%	59.7		%	64.0		%	76.1		%	77.4		%	72.4		%	80.6		%	61.8		%	76.4		%	61.4		%	76.7		%		76.6		%

Quarterly Property Casualty Data - Excess & Surplus Lines

(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/26	9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26	12/31/25
Excess & Surplus:
Net written premiums		$	184		$	219		$	182		$	184		$	175		$	202		$	168		$	401		$	370		$	585		$	545			$	729
Year over year change %- written premium		5		%	8		%	8		%	8		%	11		%	12		%	15		%	8		%	13		%	7		%	13		%		11		%
Earned premiums		$	187		$	189		$	180		$	188		$	174		$	174		$	162		$	369		$	336		$	556		$	510			$	698
Current accident year before catastrophe losses		63.8		%	64.6		%	64.6		%	58.4		%	64.1		%	64.9		%	65.6		%	64.6		%	65.2		%	64.3		%	64.8		%		63.1		%
Current accident year catastrophe losses		1.0			0.9			1.1			(0.4)			0.2			1.6			0.8			1.0			1.2			1.0			0.9				0.5
Prior accident years before catastrophe losses		(3.3)			(2.9)			(4.1)			(0.3)			(2.1)			(2.7)			(5.0)			(3.5)			(3.8)			(3.4)			(3.2)				(2.5)
Prior accident years catastrophe losses		—			(0.1)			(0.4)			(0.2)			(0.1)			(0.3)			(0.5)			(0.3)			(0.3)			(0.2)			(0.3)				(0.2)
Total loss and loss expense ratio		61.5		%	62.5		%	61.2		%	57.5		%	62.1		%	63.5		%	60.9		%	61.8		%	62.3		%	61.7		%	62.2		%		60.9		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently.

CINF Third-Quarter 2026 Supplemental Financial Data



Consolidated Property Casualty Loss and Loss Expense Analysis

(Dollars in millions)							Change in		Change in		Change in		Total						Loss
	Paid		Paid loss		Total		case		IBNR		loss expense		change in		Case		IBNR		expense		Total
	losses		expense		paid		reserves		reserves		reserves		reserves		incurred		incurred		incurred		incurred
Gross loss and loss expense incurred for the nine months ended September 30, 2026
Commercial casualty	$	500	$	175	$	675	$	37	$	167	$	68	$	272	$	537	$	167	$	243	$	947
Commercial property	563		56		619		81		86		12		179		644		86		68		798
Commercial auto	389		64		453		—		63		21		84		389		63		85		537
Workers' compensation	93		21		114		2		(3)		5		4		95		(3)		26		118
Other commercial	82		23		105		34		2		15		51		116		2		38		156
Total commercial lines	1,627		339		1,966		154		315		121		590		1,781		315		460		2,556

Personal auto	462		75		537		20		70		25		115		482		70		100		652
Homeowners	747		87		834		22		126		18		166		769		126		105		1,000
Other personal	122		7		129		16		47		1		64		138		47		8		193
Total personal lines	1,331		169		1,500		58		243		44		345		1,389		243		213		1,845

Excess & surplus lines	134		60		194		(22)		135		43		156		112		135		103		350
Other	239		17		256		26		103		4		133		265		103		21		389
Total property casualty	$	3,331	$	585	$	3,916	$	216	$	796	$	212	$	1,224	$	3,547	$	796	$	797	$	5,140

Ceded loss and loss expense incurred for the nine months ended September 30, 2026
Commercial casualty	$	13	$	2	$	15	$	(10)	$	(2)	$	(4)	$	(16)	$	3	$	(2)	$	(2)	$	(1)
Commercial property	8		—		8		3		1		—		4		11		1		—		12
Commercial auto	—		—		—		—		—		—		—		—		—		—		—
Workers' compensation	11		—		11		(8)		(3)		—		(11)		3		(3)		—		—
Other commercial	6		1		7		(1)		—		—		(1)		5		—		1		6
Total commercial lines	38		3		41		(16)		(4)		(4)		(24)		22		(4)		(1)		17

Personal auto	2		—		2		—		—		—		—		2		—		—		2
Homeowners	45		—		45		(23)		9		—		(14)		22		9		—		31
Other personal	4		—		4		(1)		—		—		(1)		3		—		—		3
Total personal lines	51		—		51		(24)		9		—		(15)		27		9		—		36

Excess & surplus lines	6		1		7		(2)		3		—		1		4		3		1		8
Other	7		—		7		(5)		7		—		2		2		7		—		9
Total property casualty	$	102	$	4	$	106	$	(47)	$	15	$	(4)	$	(36)	$	55	$	15	$	—	$	70

Net loss and loss expense incurred for the nine months ended September 30, 2026
Commercial casualty	$	487	$	173	$	660	$	47	$	169	$	72	$	288	$	534	$	169	$	245	$	948
Commercial property	555		56		611		78		85		12		175		633		85		68		786
Commercial auto	389		64		453		—		63		21		84		389		63		85		537
Workers' compensation	82		21		103		10		—		5		15		92		—		26		118
Other commercial	76		22		98		35		2		15		52		111		2		37		150
Total commercial lines	1,589		336		1,925		170		319		125		614		1,759		319		461		2,539

Personal auto	460		75		535		20		70		25		115		480		70		100		650
Homeowners	702		87		789		45		117		18		180		747		117		105		969
Other personal	118		7		125		17		47		1		65		135		47		8		190
Total personal lines	1,280		169		1,449		82		234		44		360		1,362		234		213		1,809

Excess & surplus lines	128		59		187		(20)		132		43		155		108		132		102		342
Other	232		17		249		31		96		4		131		263		96		21		380
Total property casualty	$	3,229	$	581	$	3,810	$	263	$	781	$	216	$	1,260	$	3,492	$	781	$	797	$	5,070

*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Other data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2026 Supplemental Financial Data


Consolidated Property Casualty Loss and Loss Expense Analysis


(Dollars in millions)							Change in		Change in		Change in		Total						Loss
	Paid		Paid loss		Total		case		IBNR		loss expense		change in		Case		IBNR		expense		Total
	losses		expense		paid		reserves		reserves		reserves		reserves		incurred		incurred		incurred		incurred
Gross loss and loss expense incurred for the three months ended September 30, 2026
Commercial casualty	$	125	$	74	$	199	$	23	$	73	$	23	$	119	$	148	$	73	$	97	$	318
Commercial property	211		20		231		22		(47)		2		(23)		233		(47)		22		208
Commercial auto	132		20		152		11		—		9		20		143		—		29		172
Workers' compensation	33		7		40		(7)		7		(2)		(2)		26		7		5		38
Other commercial	28		6		34		15		(3)		6		18		43		(3)		12		52
Total commercial lines	529		127		656		64		30		38		132		593		30		165		788

Personal auto	160		22		182		4		15		9		28		164		15		31		210
Homeowners	285		28		313		2		(16)		—		(14)		287		(16)		28		299
Other personal	47		2		49		5		8		—		13		52		8		2		62
Total personal lines	492		52		544		11		7		9		27		503		7		61		571

Excess & surplus lines	45		22		67		(4)		37		15		48		41		37		37		115
Other	79		7		86		44		14		3		61		123		14		10		147
Total property casualty	$	1,145	$	208	$	1,353	$	115	$	88	$	65	$	268	$	1,260	$	88	$	273	$	1,621

Ceded loss and loss expense incurred for the three months ended September 30, 2026
Commercial casualty	$	1	$	—	$	1	$	1	$	—	$	—	$	1	$	2	$	—	$	—	$	2
Commercial property	5		—		5		(3)		(1)		—		(4)		2		(1)		—		1
Commercial auto	—		—		—		—		—		—		—		—		—		—		—
Workers' compensation	8		—		8		(6)		(1)		—		(7)		2		(1)		—		1
Other commercial	1		—		1		—		1		—		1		1		1		—		2
Total commercial lines	15		—		15		(8)		(1)		—		(9)		7		(1)		—		6

Personal auto	1		—		1		—		—		—		—		1		—		—		1
Homeowners	16		—		16		(9)		—		—		(9)		7		—		—		7
Other personal	1		—		1		(2)		—		—		(2)		(1)		—		—		(1)
Total personal lines	18		—		18		(11)		—		—		(11)		7		—		—		7

Excess & surplus lines	—		—		—		—		1		—		1		—		1		—		1
Other	4		—		4		6		2		—		8		10		2		—		12
Total property casualty	$	37	$	—	$	37	$	(13)	$	2	$	—	$	(11)	$	24	$	2	$	—	$	26

Net loss and loss expense incurred for the three months ended September 30, 2026
Commercial casualty	$	124	$	74	$	198	$	22	$	73	$	23	$	118	$	146	$	73	$	97	$	316
Commercial property	206		20		226		25		(46)		2		(19)		231		(46)		22		207
Commercial auto	132		20		152		11		—		9		20		143		—		29		172
Workers' compensation	25		7		32		(1)		8		(2)		5		24		8		5		37
Other commercial	27		6		33		15		(4)		6		17		42		(4)		12		50
Total commercial lines	514		127		641		72		31		38		141		586		31		165		782

Personal auto	159		22		181		4		15		9		28		163		15		31		209
Homeowners	269		28		297		11		(16)		—		(5)		280		(16)		28		292
Other personal	46		2		48		7		8		—		15		53		8		2		63
Total personal lines	474		52		526		22		7		9		38		496		7		61		564

Excess & surplus lines	45		22		67		(4)		36		15		47		41		36		37		114
Other	75		7		82		38		12		3		53		113		12		10		135
Total property casualty	$	1,108	$	208	$	1,316	$	128	$	86	$	65	$	279	$	1,236	$	86	$	273	$	1,595

*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Other data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2026 Supplemental Financial Data



Quarterly Property Casualty Data - Consolidated

(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/26	9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26	12/31/25
Premiums
Agency renewal written premiums		$	2,095		$	2,254		$	2,045		$	1,939		$	2,037		$	2,135		$	1,912		$	4,299		$	4,047		$	6,394		$	6,084			$	8,023
Agency new business written premiums		315			353			339			331			356			404			383			692			787			1,007			1,143				1,474

Other written premiums		140			218			284			91			100			194			200			502			394			642			494				585
Net written premiums		$	2,550		$	2,825		$	2,668		$	2,361		$	2,493		$	2,733		$	2,495		$	5,493		$	5,228		$	8,043		$	7,721			$	10,082
Unearned premium change		55			(277)			(149)			147			(9)			(336)			(231)			(426)			(567)			(371)			(576)				(429)
Earned premiums		$	2,605		$	2,548		$	2,519		$	2,508		$	2,484		$	2,397		$	2,264		$	5,067		$	4,661		$	7,672		$	7,145			$	9,653
Year over year change %
Agency renewal written premiums		3		%	6		%	7		%	10		%	13		%	16		%	14		%	6		%	15		%	5		%	14		%		13		%
Agency new business written premiums		(12)			(13)			(11)			(13)			(12)			(1)			11			(12)			5			(12)			(1)				(4)

Other written premiums		40			12			42			(11)			9			(7)			(9)			27			(8)			30			(5)				(6)
Net written premiums		2			3			7			5			9			11			11			5			11			4			10				9
Paid losses and loss expenses
Losses paid		$	1,108		$	1,106		$	1,014		$	942		$	1,039		$	1,049		$	1,203		$	2,120		$	2,253		$	3,229		$	3,292			$	4,234
Loss expenses paid		208			187			187			187			178			197			196			374			392			581			570				757
Loss and loss expenses paid		$	1,316		$	1,293		$	1,201		$	1,129		$	1,217		$	1,246		$	1,399		$	2,494		$	2,645		$	3,810		$	3,862			$	4,991
Incurred losses and loss expenses
Loss and loss expense incurred		$	1,595		$	1,808		$	1,667		$	1,397		$	1,464		$	1,587		$	1,887		$	3,475		$	3,474		$	5,070		$	4,938			$	6,335
Loss and loss expenses paid as a % of incurred		82.5		%	71.5		%	72.0		%	80.8		%	83.1		%	78.5		%	74.1		%	71.8		%	76.1		%	75.1		%	78.2		%		78.8		%
Statutory combined ratio
Loss ratio		51.5		%	60.6		%	56.3		%	43.7		%	49.5		%	55.4		%	72.4		%	58.5		%	63.6		%	56.2		%	58.7		%		54.9		%
Loss adjustment expense ratio		10.9			10.4			10.8			12.4			10.9			11.6			11.7			10.6			11.7			10.7			11.4				11.6
Net underwriting expense ratio		28.8			28.0			28.5			30.2			28.3			26.4			28.2			28.2			27.3			28.4			27.6				28.2
US Statutory combined ratio		91.2		%	99.0		%	95.6		%	86.3		%	88.7		%	93.4		%	112.3		%	97.3		%	102.6		%	95.3		%	97.7		%		94.7		%
Contribution from catastrophe losses		11.1			14.4			11.0			0.7			4.0			11.9			25.2			12.7			18.4			12.2			13.4				10.1
Statutory combined ratio excl. catastrophe losses		80.1		%	84.6		%	84.6		%	85.6		%	84.7		%	81.5		%	87.1		%	84.6		%	84.2		%	83.1		%	84.3		%		84.6		%
GAAP combined ratio
GAAP combined ratio		90.9		%	100.8		%	95.6		%	85.2		%	88.2		%	94.9		%	113.3		%	98.2		%	103.8		%	95.8		%	98.4		%		94.9		%
Contribution from catastrophe losses		10.7			14.5			10.8			1.0			3.7			12.2			25.0			12.6			18.4			12.0			13.3				10.1
GAAP combined ratio excl. catastrophe losses		80.2		%	86.3		%	84.8		%	84.2		%	84.5		%	82.7		%	88.3		%	85.6		%	85.4		%	83.8		%	85.1		%		84.8		%
Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently. nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies. Statutory ratios exclude the results of Cincinnati Global. Consolidated property casualty data includes the results of Cincinnati Re and Cincinnati Global.

CINF Third-Quarter 2026 Supplemental Financial Data



Quarterly Property Casualty Data - Commercial Lines

(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/26	9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26	12/31/25
Premiums
Agency renewal written premiums		$	1,050		$	1,146		$	1,184		$	1,039		$	1,043		$	1,116		$	1,152		$	2,330		$	2,268		$	3,380		$	3,311			$	4,350
Agency new business written premiums		182			208			205			180			185			200			203			413			403			595			588				768
Other written premiums		(33)			(27)			(30)			(34)			(30)			(26)			(30)			(57)			(56)			(90)			(86)				(120)
Net written premiums		$	1,199		$	1,327		$	1,359		$	1,185		$	1,198		$	1,290		$	1,325		$	2,686		$	2,615		$	3,885		$	3,813			$	4,998
Unearned premium change		71			(76)			(118)			58			31			(78)			(146)			(194)			(224)			(123)			(193)				(135)
Earned premiums		$	1,270		$	1,251		$	1,241		$	1,243		$	1,229		$	1,212		$	1,179		$	2,492		$	2,391		$	3,762		$	3,620			$	4,863
Year over year change %
Agency renewal written premiums		1		%	3		%	3		%	4		%	6		%	9		%	7		%	3		%	8		%	2		%	7		%		6		%
Agency new business written premiums		(2)			4			1			1			(1)			4			12			2			7			1			5				4
Other written premiums		(10)			(4)			—			8			17			13			14			(2)			14			(5)			15				13
Net written premiums		—			3			3			4			5			9			8			3			9			2			7				7
Paid losses and loss expenses
Losses paid		$	514		$	543		$	533		$	481		$	497		$	493		$	403		$	1,075		$	897		$	1,589		$	1,393			$	1,876
Loss expenses paid		127			104			105			104			102			110			109			209			218			336			321				426
Loss and loss expenses paid		$	641		$	647		$	638		$	585		$	599		$	603		$	512		$	1,284		$	1,115		$	1,925		$	1,714			$	2,302
Incurred losses and loss expenses
Loss and loss expense incurred		$	782		$	910		$	847		$	721		$	747		$	767		$	735		$	1,757		$	1,502		$	2,539		$	2,249			$	2,970
Loss and loss expenses paid as a % of incurred		82.0		%	71.1		%	75.3		%	81.1		%	80.2		%	78.6		%	69.7		%	73.1		%	74.2		%	75.8		%	76.2		%		77.5		%
Statutory combined ratio
Loss ratio		48.5		%	61.5		%	55.8		%	43.4		%	49.5		%	50.7		%	49.7		%	58.6		%	50.2		%	55.2		%	50.0		%		48.2		%
Loss adjustment expense ratio		13.0			11.3			12.5			14.5			11.3			12.7			12.6			11.9			12.6			12.3			12.2				12.8
Net underwriting expense ratio		31.9			29.2			27.7			31.4			30.9			28.3			26.9			28.5			27.6			29.5			28.6				29.3
Statutory combined ratio		93.4		%	102.0		%	96.0		%	89.3		%	91.7		%	91.7		%	89.2		%	99.0		%	90.4		%	97.0		%	90.8		%		90.3		%
Contribution from catastrophe losses		6.9			11.9			9.6			0.6			2.6			7.0			3.6			10.7			5.4			9.5			4.4				3.5
Statutory combined ratio excl. catastrophe losses		86.5		%	90.1		%	86.4		%	88.7		%	89.1		%	84.7		%	85.6		%	88.3		%	85.0		%	87.5		%	86.4		%		86.8		%
GAAP combined ratio
GAAP combined ratio		92.8		%	104.1		%	98.6		%	88.4		%	91.1		%	92.9		%	91.9		%	101.3		%	92.4		%	98.5		%	92.0		%		91.1		%
Contribution from catastrophe losses		6.9			11.9			9.6			0.6			2.6			7.0			3.6			10.7			5.4			9.5			4.4				3.5
GAAP combined ratio excl. catastrophe losses		85.9		%	92.2		%	89.0		%	87.8		%	88.5		%	85.9		%	88.3		%	90.6		%	87.0		%	89.0		%	87.6		%		87.6		%
Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently. nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

CINF Third-Quarter 2026 Supplemental Financial Data



Quarterly Property Casualty Data - Personal Lines

(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/26	9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26	12/31/25
Premiums
Agency renewal written premiums		$	911		$	943		$	726		$	764		$	864		$	866		$	634		$	1,669		$	1,500		$	2,580		$	2,364			$	3,128
Agency new business written premiums		76			78			76			92			116			141			127			154			268			230			384				476
Other written premiums		(30)			(31)			(27)			(29)			(29)			(27)			(89)			(58)			(116)			(88)			(145)				(174)
Net written premiums		$	957		$	990		$	775		$	827		$	951		$	980		$	672		$	1,765		$	1,652		$	2,722		$	2,603			$	3,430
Unearned premium change		(69)			(110)			98			32			(113)			(176)			26			(12)			(150)			(81)			(263)				(231)
Earned premiums		$	888		$	880		$	873		$	859		$	838		$	804		$	698		$	1,753		$	1,502		$	2,641		$	2,340			$	3,199
Year over year change %
Agency renewal written premiums		5		%	9		%	15		%	22		%	24		%	27		%	28		%	11		%	28		%	9		%	26		%		25		%
Agency new business written premiums		(34)			(45)			(40)			(40)			(30)			(13)			4			(43)			(6)			(40)			(15)				(21)
Other written premiums		(3)			(15)			70			(12)			(4)			(8)			(324)			50			(152)			39			(96)				(74)
Net written premiums		1			1			15			10			14			20			13			7			17			5			16				14
Paid losses and loss expenses
Losses paid		$	474		$	437		$	368		$	346		$	424		$	446		$	609		$	805		$	1,055		$	1,280		$	1,479			$	1,824
Loss expenses paid		52			60			57			58			52			63			64			117			127			169			179				237
Loss and loss expenses paid		$	526		$	497		$	425		$	404		$	476		$	509		$	673		$	922		$	1,182		$	1,449		$	1,658			$	2,061
Incurred losses and loss expenses
Loss and loss expense incurred		$	564		$	638		$	607		$	468		$	507		$	598		$	846		$	1,245		$	1,444		$	1,809		$	1,951			$	2,419
Loss and loss expenses paid as a % of incurred		93.3		%	77.9		%	70.0		%	86.3		%	93.9		%	85.1		%	79.6		%	74.1		%	81.9		%	80.1		%	85.0		%		85.2		%
Statutory combined ratio
Loss ratio		56.6		%	63.4		%	61.3		%	45.1		%	50.9		%	64.8		%	110.1		%	62.3		%	85.9		%	60.4		%	73.4		%		65.8		%
Loss adjustment expense ratio		6.9			9.0			8.2			9.5			9.5			9.6			11.0			8.7			10.3			8.1			10.0				9.9
Net underwriting expense ratio		26.4			26.5			30.2			28.2			25.9			24.7			31.2			28.1			27.3			27.5			26.8				27.1
Statutory combined ratio		89.9		%	98.9		%	99.7		%	82.8		%	86.3		%	99.1		%	152.3		%	99.1		%	123.5		%	96.0		%	110.2		%		102.8		%
Contribution from catastrophe losses		19.2			22.2			16.8			1.3			7.1			23.8			58.7			19.5			40.0			19.4			28.3				21.0
Statutory combined ratio excl. catastrophe losses		70.7		%	76.7		%	82.9		%	81.5		%	79.2		%	75.3		%	93.6		%	79.6		%	83.5		%	76.6		%	81.9		%		81.8		%
GAAP combined ratio
GAAP combined ratio		90.3		%	99.9		%	96.8		%	81.5		%	88.2		%	102.0		%	151.3		%	98.4		%	124.9		%	95.6		%	111.8		%		103.6		%
Contribution from catastrophe losses		19.2			22.2			16.8			1.3			7.1			23.8			58.7			19.5			40.0			19.4			28.3				21.0
GAAP combined ratio excl. catastrophe losses		71.1		%	77.7		%	80.0		%	80.2		%	81.1		%	78.2		%	92.6		%	78.9		%	84.9		%	76.2		%	83.5		%		82.6		%
Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently. nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

CINF Third-Quarter 2026 Supplemental Financial Data



Quarterly Property Casualty Data - Excess & Surplus Lines

(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/26	9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26	12/31/25
Premiums
Agency renewal written premiums		$	134		$	165		$	135		$	136		$	130		$	153		$	126		$	300		$	279		$	434		$	409			$	545
Agency new business written premiums		57			67			58			59			55			63			53			125			116			182			171				230
Other written premiums		(7)			(13)			(11)			(11)			(10)			(14)			(11)			(24)			(25)			(31)			(35)				(46)
Net written premiums		$	184		$	219		$	182		$	184		$	175		$	202		$	168		$	401		$	370		$	585		$	545			$	729
Unearned premium change		3			(30)			(2)			4			(1)			(28)			(6)			(32)			(34)			(29)			(35)				(31)
Earned premiums		$	187		$	189		$	180		$	188		$	174		$	174		$	162		$	369		$	336		$	556		$	510			$	698
Year over year change %
Agency renewal written premiums		3		%	8		%	7		%	2		%	15		%	10		%	12		%	8		%	11		%	6		%	12		%		9		%
Agency new business written premiums		4			6			9			20			2			24			26			8			25			6			16				17
Other written premiums		30			7			—			—			—			(40)			(22)			4			(32)			11			(21)				(15)
Net written premiums		5			8			8			8			11			12			15			8			13			7			13				11
Paid losses and loss expenses
Losses paid		$	45		$	46		$	36		$	43		$	42		$	38		$	40		$	83		$	78		$	128		$	121			$	163
Loss expenses paid		22			18			20			19			19			17			18			38			35			59			53				72
Loss and loss expenses paid		$	67		$	64		$	56		$	62		$	61		$	55		$	58		$	121		$	113		$	187		$	174			$	235
Incurred losses and loss expenses
Loss and loss expense incurred		$	114		$	118		$	110		$	108		$	108		$	110		$	99		$	228		$	209		$	342		$	317			$	425
Loss and loss expenses paid as a % of incurred		58.8		%	54.2		%	50.9		%	57.4		%	56.5		%	50.0		%	58.6		%	53.1		%	54.1		%	54.7		%	54.9		%		55.3		%
Statutory combined ratio
Loss ratio		41.6		%	44.7		%	43.6		%	39.1		%	42.8		%	43.8		%	43.1		%	44.1		%	43.4		%	43.3		%	43.2		%		42.1		%
Loss adjustment expense ratio		19.9			17.7			17.6			18.4			19.2			19.7			17.8			17.7			18.8			18.5			19.0				18.8
Net underwriting expense ratio		22.2			26.3			28.6			27.3			26.6			25.3			25.5			27.4			25.4			25.7			25.8				26.2
Statutory combined ratio		83.7		%	88.7		%	89.8		%	84.8		%	88.6		%	88.8		%	86.4		%	89.2		%	87.6		%	87.5		%	88.0		%		87.1		%
Contribution from catastrophe losses		1.0			0.8			0.7			(0.6)			0.1			1.3			0.3			0.7			0.9			0.8			0.6				0.3
Statutory combined ratio excl. catastrophe losses		82.7		%	87.9		%	89.1		%	85.4		%	88.5		%	87.5		%	86.1		%	88.5		%	86.7		%	86.7		%	87.4		%		86.8		%
GAAP combined ratio
GAAP combined ratio		89.4		%	90.5		%	89.3		%	84.7		%	89.8		%	91.1		%	88.3		%	89.9		%	89.8		%	89.7		%	89.8		%		88.4		%
Contribution from catastrophe losses		1.0			0.8			0.7			(0.6)			0.1			1.3			0.3			0.7			0.9			0.8			0.6				0.3
GAAP combined ratio excl. catastrophe losses		88.4		%	89.7		%	88.6		%	85.3		%	89.7		%	89.8		%	88.0		%	89.2		%	88.9		%	88.9		%	89.2		%		88.1		%
Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently. nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

CINF Third-Quarter 2026 Supplemental Financial Data


Consolidated Cincinnati Insurance Companies
Statutory Statements of Income

	For the Three Months Ended September 30,							For the Nine Months Ended September 30,
(Dollars in millions)	2026		2025		Change		% Change	2026		2025		Change		% Change
Underwriting income
Net premiums written	$	2,457	$	2,411	$	46	2	$	7,754	$	7,466	$	288	4
Unearned premium change	(42)		29		(71)		nm	336		552		(216)		(39)
Earned premiums	$	2,499	$	2,382	$	117	5	$	7,418	$	6,914	$	504	7

Losses incurred	$	1,288	$	1,179	$	109	9	$	4,164	$	4,062	$	102	3
Defense and cost containment expenses incurred	156		126		30		24	415		391		24		6
Adjusting and other expenses incurred	115		133		(18)		(14)	378		396		(18)		(5)
Other underwriting expenses incurred	706		684		22		3	2,201		2,060		141		7
Workers compensation dividend incurred	2		—		2		nm	3		3		—		—
Total underwriting deductions	$	2,267	$	2,122	$	145	7	$	7,161	$	6,912	$	249	4

Net underwriting profit	$	232	$	260	$	(28)	(11)	$	257	$	2	$	255	nm

Investment income
Gross investment income earned	$	223	$	208	$	15	7	$	652	$	587	$	65	11
Net investment income earned	220		204		16		8	642		577		65		11
Net realized capital gains and losses, net	17		32		(15)		(47)	453		26		427		nm
Net investment gains (net of tax)	$	237	$	236	$	1	—	$	1,095	$	603	$	492	82

Other income	$	1	$	2	$	(1)	(50)	$	4	$	5	$	(1)	(20)

Net income before federal income taxes	$	470	$	498	$	(28)	(6)	$	1,356	$	610	$	746	122
Federal and foreign income taxes incurred	81		75		6		8	137		61		76		125
Net income (statutory)	$	389	$	423	$	(34)	(8)	$	1,219	$	549	$	670	122

Policyholders' surplus - statutory	$	10,633	$	9,513	$	1,120	12	$	10,633	$	9,513	$	1,120	12

Fixed maturities at amortized cost - statutory	$	15,668	$	13,311	$	2,357	18	$	15,668	$	13,311	$	2,357	18
Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

CINF Third-Quarter 2026 Supplemental Financial Data


The Cincinnati Life Insurance Company
Statutory Statements of Income

	For the Three Months Ended September 30,							For the Nine Months Ended September 30,
(Dollars in millions)	2026		2025		Change		% Change	2026		2025		Change		% Change
Net premiums written	$	91	$	91	$	—	—	$	274	$	263	$	11	4
Net investment income	53		50		3		6	162		150		12		8

Commissions and expense allowances on reinsurance ceded	1		1		—		—	3		3		—		—
Income from fees associated with separate accounts	2		2		—		—	5		5		—		—
Total revenues	$	147	$	144	$	3	2	$	444	$	421	$	23	5

Death benefits and matured endowments	$	52	$	36	$	16	44	$	148	$	132	$	16	12
Annuity benefits	16		22		(6)		(27)	54		65		(11)		(17)
Disability benefits and benefits under accident and health contracts	1		1		—		—	2		2		—		—
Surrender benefits and group conversions	9		8		1		13	33		28		5		18
Interest and adjustments on deposit-type contract funds	2		1		1		100	2		5		(3)		(60)
Increase in aggregate reserves for life and accident and health contracts	10		2		8		400	13		(5)		18		nm
Total benefit expenses	$	90	$	70	$	20	29	$	252	$	227	$	25	11

Commissions	$	13	$	13	$	—	—	$	39	$	37	$	2	5
General insurance expenses and taxes	16		14		2		14	47		45		2		4
Increase in loading on deferred and uncollected premiums	(1)		2		(3)		nm	(2)		4		(6)		nm
Net transfers from separate accounts	(8)		(1)		(7)		700	(15)		(9)		(6)		(67)

Total underwriting expenses	$	20	$	28	$	(8)	(29)	$	69	$	77	$	(8)	(10)

Federal and foreign income taxes incurred	9		11		(2)		(18)	28		28		—		—

Net gain from operations before capital gains and losses	$	28	$	35	$	(7)	(20)	$	95	$	89	$	6	7

Gains and losses net of capital gains tax, net	4		2		2		100	2		(4)		6		nm

Net income (statutory)	$	32	$	37	$	(5)	(14)	$	97	$	85	$	12	14

Policyholders' surplus - statutory	$	686	$	588	$	98	17	$	686	$	588	$	98	17

Fixed maturities at amortized cost - statutory	$	3,911	$	3,921	$	(10)	—	$	3,911	$	3,921	$	(10)	—
Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

CINF Third-Quarter 2026 Supplemental Financial Data



Quarterly Data - Other

(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/26	9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26	12/31/25
Cincinnati Re:
Net written premiums		$	117		$	191		$	254		$	86		$	87		$	164		$	255		$	445		$	418		$	562		$	505			$	591
Year over year change %- written premium		34		%	16		%	—		%	(13)		%	(2)		%	(21)		%	26		%	6		%	2		%	11		%	1		%		(1)		%
Earned premiums		$	154		$	153		$	152		$	138		$	141		$	142		$	161		$	305		$	303		$	459		$	444			$	582
Current accident year before catastrophe losses		54.3		%	47.8		%	46.7		%	52.7		%	52.9		%	56.2		%	46.6		%	47.3		%	51.1		%	49.6		%	51.7		%		51.9		%
Current accident year catastrophe losses		5.5			6.1			8.1			(0.8)			3.6			(0.6)			66.3			7.1			34.9			6.6			25.0				18.9
Prior accident years before catastrophe losses		(0.3)			3.6			3.2			(5.3)			(0.9)			5.7			(4.5)			3.4			0.3			2.2			(0.1)				(1.3)
Prior accident years catastrophe losses		5.0			1.3			(6.5)			0.4			(2.1)			(1.2)			(2.4)			(2.6)			(1.8)			(0.1)			(1.9)				(1.4)
Total loss and loss expense ratio		64.5		%	58.8		%	51.5		%	47.0		%	53.5		%	60.1		%	106.0		%	55.2		%	84.5		%	58.3		%	74.7		%		68.1		%

Cincinnati Global:
Net written premiums		$	93		$	98		$	98		$	79		$	82		$	97		$	75		$	196		$	173		$	289		$	255			$	334
Year over year change %- written premium		13		%	1		%	31		%	3		%	6		%	45		%	(9)		%	13		%	16		%	13		%	13		%		10		%
Earned premiums		$	106		$	75		$	73		$	80		$	102		$	65		$	64		$	148		$	129		$	254		$	231			$	311
Current accident year before catastrophe losses		39.0		%	69.1		%	42.5		%	35.6		%	35.1		%	41.8		%	39.3		%	56.1		%	40.6		%	48.9		%	38.2		%		37.5		%
Current accident year catastrophe losses		4.3			20.6			2.4			14.3			0.5			3.7			31.4			11.6			17.4			8.6			9.9				11.0
Prior accident years before catastrophe losses		(8.5)			(13.0)			(12.0)			(1.7)			(10.1)			(22.4)			(0.2)			(12.5)			(11.4)			(10.8)			(10.8)				(8.5)
Prior accident years catastrophe losses		(1.6)			(6.8)			0.4			(4.0)			(0.1)			17.3			(13.9)			(3.3)			1.8			(2.6)			0.9				(0.3)
Total loss and loss expense ratio		33.2		%	69.9		%	33.3		%	44.2		%	25.4		%	40.4		%	56.6		%	51.9		%	48.4		%	44.1		%	38.2		%		39.7		%

Noninsurance operations:
Interest and fees on loans and leases		$	3		$	3		$	3		$	3		$	3		$	2		$	3		$	6		$	5		$	9		$	8			$	11
Other revenue		3			4			3			3			3			3			1			7			4			10			7				10
Interest expense		12			14			13			13			13			14			13			27			27			39			40				53
Operating expenses		8			11			9			7			6			10			11			20			21			28			27				34
Total noninsurance operations loss		$	(14)		$	(18)		$	(16)		$	(14)		$	(13)		$	(19)		$	(20)		$	(34)		$	(39)		$	(48)		$	(52)			$	(66)

*Dollar amounts shown are in conformity with GAAP and rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently.
*Noninsurance operations include the noninvestment operations of the parent company and a noninsurance subsidiary, CFC Investment Company.

CINF Third-Quarter 2026 Supplemental Financial Data

Source: View Original Filing on SEC EDGAR

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