Cincinnati FinancialCINFEarnings & Financial Report
Cincinnati Financial Corporation offers property and casualty insurance, its main business, through The Cincinnati Insurance Company, The Cincinnati Indemnity Company and The Cincinnati Casualty Company. The company has 1.01% of the domestic property and casualty insurance premiums, which ranks it as the 20th largest insurance company by market share in the U.S.
Revenue
$2.5B
Gross Profit
N/A
Operating Profit
$479.0M
Net Profit
$405.0M
Gross Margin
N/A
Operating Margin
18.9%
Net Margin
16.0%
YoY Growth
-24.4%
EPS
$2.57
Cincinnati Financial Q4 FY2024 Financial Summary
Cincinnati Financial reported revenue of $2.5B (down 24.4% YoY) for Q4 FY2024, with a net profit of $405.0M (down 65.8% YoY) (16.0% margin).
Key Financial Metrics
| Total Revenue | $2.5B |
|---|---|
| Net Profit | $405.0M |
| Gross Margin | N/A |
| Operating Margin | 18.9% |
| Report Period | Q4 FY2024 |
Revenue Breakdown
Cincinnati Financial Q4 FY2024 revenue of $2.5B breaks down across 6 segments, led by Commercial Lines Insurance at $1.2B (45.7% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Commercial Lines Insurance | $1.2B | 45.7% |
| Personal Lines Insurance | $727.0M | 28.6% |
| Other | $235.0M | 9.3% |
| Excessand Surplus Lines Insurance | $169.0M | 6.7% |
| Investment Segment Of CINF | $164.0M | 6.5% |
| Life Insurance | $82.0M | 3.2% |
Cincinnati Financial Revenue by Segment — Quarterly Trend
Cincinnati Financial revenue by segment across the last 4 reported quarters, showing how each business line (such as Commercial Lines Insurance and Personal Lines Insurance) has evolved quarter over quarter.
| Segment | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 |
|---|---|---|---|---|
| Commercial Lines Insurance | — | $1.2B | $1.2B | $1.2B |
| Personal Lines Insurance | — | $860.0M | $839.0M | $806.0M |
| Other | — | $224.0M | $249.0M | $212.0M |
| Excessand Surplus Lines Insurance | — | $189.0M | $175.0M | $175.0M |
| Investment Segment Of CINF | — | $488.0M | $1.1B | $758.0M |
Cincinnati Financial Annual Revenue by Year
Cincinnati Financial annual revenue history includes year-by-year totals (for example, 2025 revenue was $12.6B).
| Year | Annual Revenue |
|---|---|
| 2025 | $12.6B |
| 2024 | $11.3B |
| 2023 | $10.0B |
| 2022 | $6.6B |
Cincinnati Financial Quarterly Revenue & Net Profit History
Cincinnati Financial results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 FY2026 | $2.8B | -1.7% | $274.0M | 9.6% |
| Q4 FY2025 | $3.1B | +21.8% | $676.0M | 21.9% |
| Q3 FY2025 | $3.7B | +12.2% | $1.1B | 30.1% |
| Q2 FY2025 | $3.2B | +27.7% | $685.0M | 21.1% |
| Q1 FY2025 | $2.6B | -12.6% | $-90.0M | -3.5% |
| Q4 FY2024 | $2.5B | -24.4% | $405.0M | 16.0% |
| Q3 FY2024 | $3.3B | +83.3% | $820.0M | 24.7% |
| Q2 FY2024 | $2.5B | -2.3% | $312.0M | 12.3% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.54B | $3.32B | $2.54B | $2.57B | $3.25B | $3.73B | $3.09B | $2.81B |
| YoY Growth | -2.3% | 83.3% | -24.4% | -12.6% | 27.7% | 12.2% | 21.8% | -1.7% |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $34.80B | $37.01B | $36.50B | $37.28B | $38.84B | $40.57B | $41.00B | $41.21B |
| Liabilities | $22.02B | $23.20B | $22.57B | $23.56B | $24.54B | $25.16B | $25.09B | $25.50B |
| Equity | $12.78B | $13.80B | $13.94B | $13.72B | $14.30B | $15.41B | $15.91B | $15.71B |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|
| Operating CF | $742.0M | $912.0M | $642.0M | $310.0M | $741.0M | $1.11B | $947.0M |