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Side-by-side financial comparison of Cincinnati Financial (CINF) and SONIC AUTOMOTIVE INC (SAH). Click either name above to swap in a different company.
SONIC AUTOMOTIVE INC is the larger business by last-quarter revenue ($3.7B vs $2.8B, roughly 1.3× Cincinnati Financial). Cincinnati Financial runs the higher net margin — 9.6% vs 1.6%, a 7.9% gap on every dollar of revenue. On growth, SONIC AUTOMOTIVE INC posted the faster year-over-year revenue change (1.0% vs -1.7%). Over the past eight quarters, Cincinnati Financial's revenue compounded faster (5.2% CAGR vs 3.4%).
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.
Sonic Automotive is a Fortune 500 company based in Charlotte, North Carolina, and is the fifth largest automotive retailer in the United States as measured by total revenues. The company was founded by O Bruton Smith and completed its initial public offering on the NYSE in 1997.
CINF vs SAH — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $2.8B | $3.7B |
| Net Profit | $274.0M | $60.8M |
| Gross Margin | — | 16.2% |
| Operating Margin | — | 3.1% |
| Net Margin | 9.6% | 1.6% |
| Revenue YoY | -1.7% | 1.0% |
| Net Profit YoY | — | — |
| EPS (diluted) | — | $1.79 |
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 | $3.7B | ||
| Q4 25 | $3.1B | $3.9B | ||
| Q3 25 | $3.7B | $4.0B | ||
| Q2 25 | $3.2B | $3.7B | ||
| Q1 25 | $2.6B | $3.7B | ||
| Q4 24 | $2.5B | $3.9B | ||
| Q3 24 | $3.3B | $3.5B | ||
| Q2 24 | $2.5B | $3.5B |
| Q1 26 | $274.0M | $60.8M | ||
| Q4 25 | $676.0M | $46.9M | ||
| Q3 25 | $1.1B | $46.8M | ||
| Q2 25 | $685.0M | $-45.6M | ||
| Q1 25 | $-90.0M | $70.6M | ||
| Q4 24 | $405.0M | $58.6M | ||
| Q3 24 | $820.0M | $74.2M | ||
| Q2 24 | $312.0M | $41.2M |
| Q1 26 | — | 16.2% | ||
| Q4 25 | — | 15.5% | ||
| Q3 25 | — | 15.5% | ||
| Q2 25 | — | 16.5% | ||
| Q1 25 | — | 15.5% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 15.6% | ||
| Q2 24 | — | 15.6% |
| Q1 26 | — | 3.1% | ||
| Q4 25 | 27.2% | 3.2% | ||
| Q3 25 | 37.9% | 3.1% | ||
| Q2 25 | 26.3% | -0.6% | ||
| Q1 25 | -5.0% | 4.0% | ||
| Q4 24 | 18.9% | 3.4% | ||
| Q3 24 | 31.3% | 3.3% | ||
| Q2 24 | 15.2% | 3.1% |
| Q1 26 | 9.6% | 1.6% | ||
| Q4 25 | 21.9% | 1.2% | ||
| Q3 25 | 30.1% | 1.2% | ||
| Q2 25 | 21.1% | -1.2% | ||
| Q1 25 | -3.5% | 1.9% | ||
| Q4 24 | 16.0% | 1.5% | ||
| Q3 24 | 24.7% | 2.1% | ||
| Q2 24 | 12.3% | 1.2% |
| Q1 26 | — | $1.79 | ||
| Q4 25 | $4.29 | $1.39 | ||
| Q3 25 | $7.11 | $1.33 | ||
| Q2 25 | $4.34 | $-1.34 | ||
| Q1 25 | $-0.57 | $2.04 | ||
| Q4 24 | $2.57 | $1.67 | ||
| Q3 24 | $5.20 | $2.13 | ||
| Q2 24 | $1.98 | $1.18 |
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 | — |
| Total DebtLower is stronger | $816.0M | — |
| Stockholders' EquityBook value | $15.7B | — |
| Total Assets | $41.2B | — |
| Debt / EquityLower = less leverage | 0.05× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $6.3M | ||
| Q3 25 | $1.6B | $89.4M | ||
| Q2 25 | $1.1B | $110.4M | ||
| Q1 25 | $1.1B | $64.6M | ||
| Q4 24 | $1.3B | $44.0M | ||
| Q3 24 | $1.8B | $17.6M | ||
| Q2 24 | $771.0M | $67.2M |
| Q1 26 | $816.0M | — | ||
| Q4 25 | $861.0M | $1.6B | ||
| Q3 25 | $858.0M | $1.5B | ||
| Q2 25 | $859.0M | $1.5B | ||
| Q1 25 | $853.0M | $1.6B | ||
| Q4 24 | $850.0M | $1.6B | ||
| Q3 24 | $849.0M | $1.7B | ||
| Q2 24 | $849.0M | $1.7B |
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $1.1B | ||
| Q3 25 | $15.4B | $1.1B | ||
| Q2 25 | $14.3B | $1.0B | ||
| Q1 25 | $13.7B | $1.1B | ||
| Q4 24 | $13.9B | $1.1B | ||
| Q3 24 | $13.8B | $1.0B | ||
| Q2 24 | $12.8B | $944.7M |
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $6.0B | ||
| Q3 25 | $40.6B | $6.0B | ||
| Q2 25 | $38.8B | $5.9B | ||
| Q1 25 | $37.3B | $5.9B | ||
| Q4 24 | $36.5B | $5.9B | ||
| Q3 24 | $37.0B | $5.8B | ||
| Q2 24 | $34.8B | $5.8B |
| Q1 26 | 0.05× | — | ||
| Q4 25 | 0.05× | 1.51× | ||
| Q3 25 | 0.06× | 1.39× | ||
| Q2 25 | 0.06× | 1.48× | ||
| Q1 25 | 0.06× | 1.44× | ||
| Q4 24 | 0.06× | 1.49× | ||
| Q3 24 | 0.06× | 1.67× | ||
| Q2 24 | 0.07× | 1.81× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CINF
Segment breakdown not available.
SAH
| Retail new vehicles | $1.6B | 44% |
| Used vehicles | $1.3B | 34% |
| Parts, service and collision repair | $516.6M | 14% |
| Finance, insurance and other, net | $202.4M | 5% |
| Wholesale vehicles | $71.8M | 2% |
| Fleet new vehicles | $20.7M | 1% |
