Cincinnati Financial

CINF Financials Market cap $27.9B as of Oct 30, 2026 15:40 ET S&P 500

Q3 FY26 Jul 1 – Sep 30, 2026 reported Oct 26, 2026

Revenue$3.05B −18% year over year

Operating profit$0.55B 18% margin

Net profit$0.46B 15% margin

The numbers behind the diagram

All figures in billions of U.S. dollars, for Q3 FY26 (period ends Sep 30, 2026).
Item	Value	Share of revenue	Year over year
Revenue	3.05	100%	−18%
Operating expenses	−2.49	82%
Claims & benefits	−1.68	55%	+14pp
Policy acquisition	−0.50	17%	+4pp
Interest	−0.01	0%	+0pp
Underwriting	−0.01	0%	+0pp
Other	−0.30	10%
Operating profit	0.55	18% margin	−20pp
Tax	−0.09
Net profit	0.46	15% margin	−15pp

Figures are rounded to the precision shown, so a column can differ slightly from its own total.

Filing on EDGAR This quarter on its own page

All figures in billions of U.S. dollars, for Q2 FY26 (period ends Jun 30, 2026).
Item	Value	Share of revenue	Year over year
Revenue	4.27	100%	+32%
Investment	1.63	38%	+115%
Commercial insurance	1.25	29%	+3%
Personal insurance	0.88	21%	+9%
Other revenue	0.24	6%
Excess	0.19	4%	+9%
Life insurance	0.09	2%	+5%
Operating expenses	−2.70	63%
Claims & benefits	−1.89	44%	−7pp
Policy acquisition	−0.49	12%	−3pp
Interest	−0.01	0%	+0pp
Underwriting	−0.01	0%	+0pp
Other	−0.30	7%	+0pp
Operating profit	1.58	37% margin	+11pp
Tax	−0.32
Net profit	1.26	29% margin	+8pp

Figures are rounded to the precision shown, so a column can differ slightly from its own total.

Filing on EDGAR This quarter on its own page

All figures in billions of U.S. dollars, for Q1 FY26 (period ends Mar 31, 2026).
Item	Value	Share of revenue	Year over year
Revenue	2.86	100%	+12%
Commercial insurance earned	1.24	43%
Personal insurance	0.88	31%
Other revenue	0.22	8%
Excess	0.18	6%
Earned premiums	0.18	6%
Life insurance	0.09	3%
Segment earned premiums	0.09	3%
Operating expenses	−2.54	89%
Claims & benefits	−1.75	61%	−16pp
Policy acquisition	−0.48	17%	+0pp
Interest	−0.01	1%	+0pp
Underwriting	−0.01	0%	+0pp
Other	−0.28	10%	+0pp
Operating profit	0.33	11% margin	+16pp
Tax	−0.05
Net profit	0.27	10% margin	+13pp

Figures are rounded to the precision shown, so a column can differ slightly from its own total.

Filing on EDGAR This quarter on its own page

All figures in billions of U.S. dollars, for Q4 FY25 (period ends Dec 31, 2025).
Item	Value	Share of revenue	Year over year
Revenue	3.09	100%	+22%
Investments	2.61	84%	+8%
Life insurance	0.34	11%	+3%
Other revenue	0.15	5%
Operating expenses	−2.25	73%
Claims & benefits	−1.47	48%	−5pp
Policy acquisition	−0.48	16%	−2pp
Interest	−0.01	0%	+0pp
Underwriting	−0.01	0%	+0pp
Other	−0.28	9%	+0pp
Operating profit	0.84	27% margin	+8pp
Tax	−0.16
Net profit	0.68	22% margin	+6pp

Figures are rounded to the precision shown, so a column can differ slightly from its own total.

Filing on EDGAR This quarter on its own page

All figures in billions of U.S. dollars, for Q3 FY25 (period ends Sep 30, 2025).
Item	Value	Share of revenue	Year over year
Revenue	3.73	100%	+12%
Operating expenses	−2.31	62%
Claims & benefits	−1.54	41%	−6pp
Policy acquisition	−0.48	13%	+0pp
Interest	−0.01	0%	+0pp
Underwriting	−0.01	0%	+0pp
Other	−0.28	8%	+0pp
Operating profit	1.41	38% margin	+7pp
Tax	−0.29
Net profit	1.12	30% margin	+5pp

Figures are rounded to the precision shown, so a column can differ slightly from its own total.

Filing on EDGAR This quarter on its own page

All figures in billions of U.S. dollars, for Q2 FY25 (period ends Jun 30, 2025).
Item	Value	Share of revenue	Year over year
Revenue	3.25	100%	+28%
Commercial insurance	1.21	37%
Personal insurance	0.81	25%
Investment	0.76	23%
Other revenue	0.21	7%
Excess	0.18	5%
Life insurance	0.09	3%
Operating expenses	−2.39	74%
Claims & benefits	−1.66	51%	−7pp
Policy acquisition	−0.45	14%	−2pp
Interest	−0.01	1%	+0pp
Underwriting	−0.01	0%	+0pp
Other	−0.26	8%	+0pp
Operating profit	0.86	26% margin	+11pp
Tax	−0.17
Net profit	0.69	21% margin	+9pp

Figures are rounded to the precision shown, so a column can differ slightly from its own total.

Filing on EDGAR This quarter on its own page

All figures in billions of U.S. dollars, for Q3 FY24 (period ends Sep 30, 2024).
Item	Value	Share of revenue	Year over year
Revenue	3.32	100%	+83%
Commercial insurance	1.14	34%
Investment	1.02	31%
Personal insurance	0.68	21%
Corporate, non-	0.25	7%
Excess	0.16	5%
Life insurance	0.08	2%
Operating expenses	−2.28	69%
Claims & benefits	−1.58	48%	−26pp
Policy acquisition	−0.44	13%	−7pp
Interest	−0.01	0%	+0pp
Underwriting	−0.01	0%	+0pp
Other	−0.25	8%	+0pp
Operating profit	1.04	31% margin	+39pp
Tax	−0.22
Net profit	0.82	25% margin	+30pp

Figures are rounded to the precision shown, so a column can differ slightly from its own total.

Filing on EDGAR This quarter on its own page

Financial health

The balance sheet, the quarter's capital flow, the debt schedule and the capital structure of the quarter shown above.

Every set of results we hold, newest first. Open one on its own page.

Quarter	Period	Reported	Revenue	Year over year	Operating margin	Net profit	Net margin
Q3 FY26 Jul 1 – Sep 30, 2026 reported Oct 26, 2026 Operating margin 18% Net profit $0.46B	Jul 1 – Sep 30, 2026	Oct 26, 2026	$3.0B	−18%	18%	$0.46B	15%
Q2 FY26 Apr 1 – Jun 30, 2026 reported Jul 27, 2026 Operating margin 37% Net profit $1.26B	Apr 1 – Jun 30, 2026	Jul 27, 2026	$4.3B	+32%	37%	$1.26B	29%
Q1 FY26 Jan 1 – Mar 31, 2026 reported Apr 27, 2026 Operating margin 11% Net profit $0.27B	Jan 1 – Mar 31, 2026	Apr 27, 2026	$2.9B	+12%	11%	$0.27B	10%
Q4 FY25 Oct 1 – Dec 31, 2025 reported Feb 23, 2026 Operating margin 27% Net profit $0.68B	Oct 1 – Dec 31, 2025	Feb 23, 2026	$3.1B	+22%	27%	$0.68B	22%
Q3 FY25 Jul 1 – Sep 30, 2025 reported Oct 27, 2025 Operating margin 38% Net profit $1.12B	Jul 1 – Sep 30, 2025	Oct 27, 2025	$3.7B	+12%	38%	$1.12B	30%
Q2 FY25 Apr 1 – Jun 30, 2025 reported Jul 28, 2025 Operating margin 26% Net profit $0.69B	Apr 1 – Jun 30, 2025	Jul 28, 2025	$3.2B	+28%	26%	$0.69B	21%
Q3 FY24 Jul 1 – Sep 30, 2024 reported Oct 24, 2024 Operating margin 31% Net profit $0.82B	Jul 1 – Sep 30, 2024	Oct 24, 2024	$3.3B	+83%	31%	$0.82B	25%