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Side-by-side financial comparison of Cincinnati Financial (CINF) and RXO, Inc. (RXO). Click either name above to swap in a different company.
Cincinnati Financial is the larger business by last-quarter revenue ($2.8B vs $1.5B, roughly 1.9× RXO, Inc.). Cincinnati Financial runs the higher net margin — 9.6% vs -3.1%, a 12.7% gap on every dollar of revenue. On growth, Cincinnati Financial posted the faster year-over-year revenue change (-1.7% vs -11.9%). Over the past eight quarters, RXO, Inc.'s revenue compounded faster (26.8% CAGR vs 5.2%).
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.
RXO, Inc. is a leading transportation and logistics solutions provider headquartered in the United States. Its core service portfolio includes freight brokerage, last-mile delivery for heavy and bulky goods, managed transportation services, and end-to-end supply chain optimization support, primarily catering to clients across the North American manufacturing, retail, and e-commerce segments.
CINF vs RXO — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.8B | $1.5B |
| Net Profit | $274.0M | $-46.0M |
| Gross Margin | — | — |
| Operating Margin | — | -2.9% |
| Net Margin | 9.6% | -3.1% |
| Revenue YoY | -1.7% | -11.9% |
| Net Profit YoY | — | -84.0% |
| EPS (diluted) | — | $-0.28 |
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 | — | ||
| Q4 25 | $3.1B | $1.5B | ||
| Q3 25 | $3.7B | $1.4B | ||
| Q2 25 | $3.2B | $1.4B | ||
| Q1 25 | $2.6B | $1.4B | ||
| Q4 24 | $2.5B | $1.7B | ||
| Q3 24 | $3.3B | $1.0B | ||
| Q2 24 | $2.5B | $930.0M |
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $-46.0M | ||
| Q3 25 | $1.1B | $-14.0M | ||
| Q2 25 | $685.0M | $-9.0M | ||
| Q1 25 | $-90.0M | $-31.0M | ||
| Q4 24 | $405.0M | $-25.0M | ||
| Q3 24 | $820.0M | $-243.0M | ||
| Q2 24 | $312.0M | $-7.0M |
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | -2.9% | ||
| Q3 25 | 37.9% | -0.5% | ||
| Q2 25 | 26.3% | — | ||
| Q1 25 | -5.0% | -2.1% | ||
| Q4 24 | 18.9% | -1.4% | ||
| Q3 24 | 31.3% | -1.9% | ||
| Q2 24 | 15.2% | — |
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | -3.1% | ||
| Q3 25 | 30.1% | -1.0% | ||
| Q2 25 | 21.1% | -0.6% | ||
| Q1 25 | -3.5% | -2.2% | ||
| Q4 24 | 16.0% | -1.5% | ||
| Q3 24 | 24.7% | -23.4% | ||
| Q2 24 | 12.3% | -0.8% |
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $-0.28 | ||
| Q3 25 | $7.11 | $-0.08 | ||
| Q2 25 | $4.34 | $-0.05 | ||
| Q1 25 | $-0.57 | $-0.18 | ||
| Q4 24 | $2.57 | $-0.17 | ||
| Q3 24 | $5.20 | $-1.81 | ||
| Q2 24 | $1.98 | $-0.06 |
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 | $17.0M |
| Total DebtLower is stronger | $816.0M | $387.0M |
| Stockholders' EquityBook value | $15.7B | $1.5B |
| Total Assets | $41.2B | $3.3B |
| Debt / EquityLower = less leverage | 0.05× | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $17.0M | ||
| Q3 25 | $1.6B | $25.0M | ||
| Q2 25 | $1.1B | $18.0M | ||
| Q1 25 | $1.1B | $16.0M | ||
| Q4 24 | $1.3B | $35.0M | ||
| Q3 24 | $1.8B | $55.0M | ||
| Q2 24 | $771.0M | $7.0M |
| Q1 26 | $816.0M | — | ||
| Q4 25 | $861.0M | $387.0M | ||
| Q3 25 | $858.0M | $387.0M | ||
| Q2 25 | $859.0M | $387.0M | ||
| Q1 25 | $853.0M | $387.0M | ||
| Q4 24 | $850.0M | $351.0M | ||
| Q3 24 | $849.0M | $352.0M | ||
| Q2 24 | $849.0M | $370.0M |
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $1.5B | ||
| Q3 25 | $15.4B | $1.6B | ||
| Q2 25 | $14.3B | $1.6B | ||
| Q1 25 | $13.7B | $1.6B | ||
| Q4 24 | $13.9B | $1.6B | ||
| Q3 24 | $13.8B | $1.7B | ||
| Q2 24 | $12.8B | $579.0M |
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $3.3B | ||
| Q3 25 | $40.6B | $3.2B | ||
| Q2 25 | $38.8B | $3.2B | ||
| Q1 25 | $37.3B | $3.3B | ||
| Q4 24 | $36.5B | $3.4B | ||
| Q3 24 | $37.0B | $3.4B | ||
| Q2 24 | $34.8B | $1.8B |
| Q1 26 | 0.05× | — | ||
| Q4 25 | 0.05× | 0.25× | ||
| Q3 25 | 0.06× | 0.24× | ||
| Q2 25 | 0.06× | 0.24× | ||
| Q1 25 | 0.06× | 0.24× | ||
| Q4 24 | 0.06× | 0.22× | ||
| Q3 24 | 0.06× | 0.21× | ||
| Q2 24 | 0.07× | 0.64× |
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 | — | $7.0M |
| Free Cash FlowOCF − Capex | — | $-9.0M |
| FCF MarginFCF / Revenue | — | -0.6% |
| Capex IntensityCapex / Revenue | — | 1.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-8.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $7.0M | ||
| Q3 25 | $1.1B | $23.0M | ||
| Q2 25 | $741.0M | $23.0M | ||
| Q1 25 | $310.0M | $-2.0M | ||
| Q4 24 | $642.0M | $-7.0M | ||
| Q3 24 | $912.0M | $-7.0M | ||
| Q2 24 | $742.0M | $-5.0M |
| Q1 26 | — | — | ||
| Q4 25 | $939.0M | $-9.0M | ||
| Q3 25 | $1.1B | $9.0M | ||
| Q2 25 | $737.0M | $9.0M | ||
| Q1 25 | $307.0M | $-17.0M | ||
| Q4 24 | $638.0M | $-19.0M | ||
| Q3 24 | $906.0M | $-18.0M | ||
| Q2 24 | $737.0M | $-16.0M |
| Q1 26 | — | — | ||
| Q4 25 | 30.4% | -0.6% | ||
| Q3 25 | 29.8% | 0.6% | ||
| Q2 25 | 22.7% | 0.6% | ||
| Q1 25 | 12.0% | -1.2% | ||
| Q4 24 | 25.1% | -1.1% | ||
| Q3 24 | 27.3% | -1.7% | ||
| Q2 24 | 29.0% | -1.7% |
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 1.1% | ||
| Q3 25 | 0.1% | 1.0% | ||
| Q2 25 | 0.1% | 1.0% | ||
| Q1 25 | 0.1% | 1.0% | ||
| Q4 24 | 0.2% | 0.7% | ||
| Q3 24 | 0.2% | 1.1% | ||
| Q2 24 | 0.2% | 1.2% |
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | — | ||
| Q3 25 | 0.99× | — | ||
| Q2 25 | 1.08× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.59× | — | ||
| Q3 24 | 1.11× | — | ||
| Q2 24 | 2.38× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CINF
Segment breakdown not available.
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
