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Side-by-side financial comparison of Cincinnati Financial (CINF) and CVR ENERGY INC (CVI). Click either name above to swap in a different company.
Cincinnati Financial is the larger business by last-quarter revenue ($2.8B vs $2.0B, roughly 1.4× CVR ENERGY INC). Cincinnati Financial runs the higher net margin — 9.6% vs -8.1%, a 17.7% gap on every dollar of revenue. On growth, CVR ENERGY INC posted the faster year-over-year revenue change (20.3% vs -1.7%). Over the past eight quarters, Cincinnati Financial's revenue compounded faster (5.2% CAGR vs 0.3%).
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.
CVR Energy Inc is a United States-based energy holding company operating two core segments: petroleum refining and nitrogen fertilizer manufacturing. It produces a wide range of products including gasoline, diesel, jet fuel, and agricultural fertilizers, primarily serving commercial, industrial and agricultural customers across North America.
CINF vs CVI — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $2.8B | $2.0B |
| Net Profit | $274.0M | $-160.0M |
| Gross Margin | — | -5.2% |
| Operating Margin | — | — |
| Net Margin | 9.6% | -8.1% |
| Revenue YoY | -1.7% | 20.3% |
| Net Profit YoY | — | -56.1% |
| EPS (diluted) | — | $-1.91 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $2.8B | $2.0B | ||
| Q4 25 | $3.1B | $1.8B | ||
| Q3 25 | $3.7B | $1.9B | ||
| Q2 25 | $3.2B | $1.8B | ||
| Q1 25 | $2.6B | $1.6B | ||
| Q4 24 | $2.5B | $1.9B | ||
| Q3 24 | $3.3B | $1.8B | ||
| Q2 24 | $2.5B | $2.0B |
| Q1 26 | $274.0M | $-160.0M | ||
| Q4 25 | $676.0M | $-110.0M | ||
| Q3 25 | $1.1B | $374.0M | ||
| Q2 25 | $685.0M | $-114.0M | ||
| Q1 25 | $-90.0M | $-123.0M | ||
| Q4 24 | $405.0M | $28.0M | ||
| Q3 24 | $820.0M | $-124.0M | ||
| Q2 24 | $312.0M | $21.0M |
| Q1 26 | — | -5.2% | ||
| Q4 25 | — | -3.1% | ||
| Q3 25 | — | 28.8% | ||
| Q2 25 | — | -3.7% | ||
| Q1 25 | — | -5.5% | ||
| Q4 24 | — | 3.0% | ||
| Q3 24 | — | -3.9% | ||
| Q2 24 | — | 2.9% |
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | -5.3% | ||
| Q3 25 | 37.9% | 26.3% | ||
| Q2 25 | 26.3% | -5.8% | ||
| Q1 25 | -5.0% | -8.0% | ||
| Q4 24 | 18.9% | 1.1% | ||
| Q3 24 | 31.3% | -6.2% | ||
| Q2 24 | 15.2% | 1.4% |
| Q1 26 | 9.6% | -8.1% | ||
| Q4 25 | 21.9% | -6.1% | ||
| Q3 25 | 30.1% | 19.2% | ||
| Q2 25 | 21.1% | -6.5% | ||
| Q1 25 | -3.5% | -7.5% | ||
| Q4 24 | 16.0% | 1.4% | ||
| Q3 24 | 24.7% | -6.8% | ||
| Q2 24 | 12.3% | 1.1% |
| Q1 26 | — | $-1.91 | ||
| Q4 25 | $4.29 | $-1.09 | ||
| Q3 25 | $7.11 | $3.72 | ||
| Q2 25 | $4.34 | $-1.14 | ||
| Q1 25 | $-0.57 | $-1.22 | ||
| Q4 24 | $2.57 | $0.28 | ||
| Q3 24 | $5.20 | $-1.24 | ||
| Q2 24 | $1.98 | $0.21 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.2B | $512.0M |
| Total DebtLower is stronger | $816.0M | — |
| Stockholders' EquityBook value | $15.7B | — |
| Total Assets | $41.2B | $3.9B |
| Debt / EquityLower = less leverage | 0.05× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $1.2B | $512.0M | ||
| Q4 25 | $148.0M | $511.0M | ||
| Q3 25 | $1.6B | $670.0M | ||
| Q2 25 | $1.1B | $596.0M | ||
| Q1 25 | $1.1B | $695.0M | ||
| Q4 24 | $1.3B | $987.0M | ||
| Q3 24 | $1.8B | $534.0M | ||
| Q2 24 | $771.0M | $586.0M |
| Q1 26 | $816.0M | — | ||
| Q4 25 | $861.0M | $1.8B | ||
| Q3 25 | $858.0M | $1.8B | ||
| Q2 25 | $859.0M | $1.8B | ||
| Q1 25 | $853.0M | $1.9B | ||
| Q4 24 | $850.0M | $1.9B | ||
| Q3 24 | $849.0M | $1.6B | ||
| Q2 24 | $849.0M | $1.6B |
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $730.0M | ||
| Q3 25 | $15.4B | $840.0M | ||
| Q2 25 | $14.3B | $466.0M | ||
| Q1 25 | $13.7B | $580.0M | ||
| Q4 24 | $13.9B | $703.0M | ||
| Q3 24 | $13.8B | $675.0M | ||
| Q2 24 | $12.8B | $849.0M |
| Q1 26 | $41.2B | $3.9B | ||
| Q4 25 | $41.0B | $3.7B | ||
| Q3 25 | $40.6B | $4.0B | ||
| Q2 25 | $38.8B | $4.0B | ||
| Q1 25 | $37.3B | $4.3B | ||
| Q4 24 | $36.5B | $4.3B | ||
| Q3 24 | $37.0B | $3.9B | ||
| Q2 24 | $34.8B | $4.0B |
| Q1 26 | 0.05× | — | ||
| Q4 25 | 0.05× | 2.40× | ||
| Q3 25 | 0.06× | 2.17× | ||
| Q2 25 | 0.06× | 3.97× | ||
| Q1 25 | 0.06× | 3.29× | ||
| Q4 24 | 0.06× | 2.71× | ||
| Q3 24 | 0.06× | 2.33× | ||
| Q2 24 | 0.07× | 1.86× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | — |
| Free Cash FlowOCF − Capex | — | $21.0M |
| FCF MarginFCF / Revenue | — | 1.1% |
| Capex IntensityCapex / Revenue | — | 1.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $0 | ||
| Q3 25 | $1.1B | $163.0M | ||
| Q2 25 | $741.0M | $176.0M | ||
| Q1 25 | $310.0M | $-195.0M | ||
| Q4 24 | $642.0M | $98.0M | ||
| Q3 24 | $912.0M | $48.0M | ||
| Q2 24 | $742.0M | $81.0M |
| Q1 26 | — | $21.0M | ||
| Q4 25 | $939.0M | — | ||
| Q3 25 | $1.1B | $125.0M | ||
| Q2 25 | $737.0M | $135.0M | ||
| Q1 25 | $307.0M | $-246.0M | ||
| Q4 24 | $638.0M | $43.0M | ||
| Q3 24 | $906.0M | $14.0M | ||
| Q2 24 | $737.0M | $38.0M |
| Q1 26 | — | 1.1% | ||
| Q4 25 | 30.4% | — | ||
| Q3 25 | 29.8% | 6.4% | ||
| Q2 25 | 22.7% | 7.7% | ||
| Q1 25 | 12.0% | -14.9% | ||
| Q4 24 | 25.1% | 2.2% | ||
| Q3 24 | 27.3% | 0.8% | ||
| Q2 24 | 29.0% | 1.9% |
| Q1 26 | — | 1.5% | ||
| Q4 25 | 0.3% | 3.0% | ||
| Q3 25 | 0.1% | 2.0% | ||
| Q2 25 | 0.1% | 2.3% | ||
| Q1 25 | 0.1% | 3.1% | ||
| Q4 24 | 0.2% | 2.8% | ||
| Q3 24 | 0.2% | 1.9% | ||
| Q2 24 | 0.2% | 2.2% |
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | — | ||
| Q3 25 | 0.99× | 0.44× | ||
| Q2 25 | 1.08× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.59× | 3.50× | ||
| Q3 24 | 1.11× | — | ||
| Q2 24 | 2.38× | 3.86× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
