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Side-by-side financial comparison of Cincinnati Financial (CINF) and Toast, Inc. (TOST). Click either name above to swap in a different company.
Cincinnati Financial is the larger business by last-quarter revenue ($2.8B vs $1.6B, roughly 1.7× Toast, Inc.). Cincinnati Financial runs the higher net margin — 9.6% vs 6.2%, a 3.4% gap on every dollar of revenue. On growth, Toast, Inc. posted the faster year-over-year revenue change (22.0% vs -1.7%). Over the past eight quarters, Toast, Inc.'s revenue compounded faster (23.3% 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.
Toast, Inc. is an American cloud-based restaurant management software company based in Boston, Massachusetts. The company provides an all-in-one point of sale (POS) system built on the Android operating system.
CINF vs TOST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.8B | $1.6B |
| Net Profit | $274.0M | $101.0M |
| Gross Margin | — | 25.9% |
| Operating Margin | — | 5.2% |
| Net Margin | 9.6% | 6.2% |
| Revenue YoY | -1.7% | 22.0% |
| Net Profit YoY | — | 215.6% |
| EPS (diluted) | — | $0.18 |
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 | $1.6B | ||
| Q3 25 | $3.7B | $1.6B | ||
| Q2 25 | $3.2B | $1.6B | ||
| Q1 25 | $2.6B | $1.3B | ||
| Q4 24 | $2.5B | $1.3B | ||
| Q3 24 | $3.3B | $1.3B | ||
| Q2 24 | $2.5B | $1.2B |
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $101.0M | ||
| Q3 25 | $1.1B | $105.0M | ||
| Q2 25 | $685.0M | $80.0M | ||
| Q1 25 | $-90.0M | $56.0M | ||
| Q4 24 | $405.0M | $32.0M | ||
| Q3 24 | $820.0M | $56.0M | ||
| Q2 24 | $312.0M | $14.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 25.9% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 25.3% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 24.9% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 23.0% |
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 5.2% | ||
| Q3 25 | 37.9% | 5.1% | ||
| Q2 25 | 26.3% | 5.2% | ||
| Q1 25 | -5.0% | 3.2% | ||
| Q4 24 | 18.9% | 2.5% | ||
| Q3 24 | 31.3% | 2.6% | ||
| Q2 24 | 15.2% | 0.4% |
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | 6.2% | ||
| Q3 25 | 30.1% | 6.4% | ||
| Q2 25 | 21.1% | 5.2% | ||
| Q1 25 | -3.5% | 4.2% | ||
| Q4 24 | 16.0% | 2.4% | ||
| Q3 24 | 24.7% | 4.3% | ||
| Q2 24 | 12.3% | 1.1% |
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $0.18 | ||
| Q3 25 | $7.11 | $0.16 | ||
| Q2 25 | $4.34 | $0.13 | ||
| Q1 25 | $-0.57 | $0.09 | ||
| Q4 24 | $2.57 | $0.09 | ||
| Q3 24 | $5.20 | $0.07 | ||
| Q2 24 | $1.98 | $0.02 |
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 | $1.4B |
| Total DebtLower is stronger | $816.0M | — |
| Stockholders' EquityBook value | $15.7B | $2.1B |
| Total Assets | $41.2B | $3.1B |
| Debt / EquityLower = less leverage | 0.05× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $1.4B | ||
| Q3 25 | $1.6B | $1.4B | ||
| Q2 25 | $1.1B | $1.2B | ||
| Q1 25 | $1.1B | $1.0B | ||
| Q4 24 | $1.3B | $903.0M | ||
| Q3 24 | $1.8B | $761.0M | ||
| Q2 24 | $771.0M | $691.0M |
| Q1 26 | $816.0M | — | ||
| Q4 25 | $861.0M | — | ||
| Q3 25 | $858.0M | — | ||
| Q2 25 | $859.0M | — | ||
| Q1 25 | $853.0M | — | ||
| Q4 24 | $850.0M | — | ||
| Q3 24 | $849.0M | — | ||
| Q2 24 | $849.0M | — |
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $2.1B | ||
| Q3 25 | $15.4B | $2.0B | ||
| Q2 25 | $14.3B | $1.8B | ||
| Q1 25 | $13.7B | $1.7B | ||
| Q4 24 | $13.9B | $1.5B | ||
| Q3 24 | $13.8B | $1.4B | ||
| Q2 24 | $12.8B | $1.3B |
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $3.1B | ||
| Q3 25 | $40.6B | $3.0B | ||
| Q2 25 | $38.8B | $2.8B | ||
| Q1 25 | $37.3B | $2.6B | ||
| Q4 24 | $36.5B | $2.4B | ||
| Q3 24 | $37.0B | $2.2B | ||
| Q2 24 | $34.8B | $2.2B |
| Q1 26 | 0.05× | — | ||
| Q4 25 | 0.05× | — | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.06× | — | ||
| Q1 25 | 0.06× | — | ||
| Q4 24 | 0.06× | — | ||
| Q3 24 | 0.06× | — | ||
| Q2 24 | 0.07× | — |
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 | — | $194.0M |
| Free Cash FlowOCF − Capex | — | $178.0M |
| FCF MarginFCF / Revenue | — | 10.9% |
| Capex IntensityCapex / Revenue | — | 1.0% |
| Cash ConversionOCF / Net Profit | — | 1.92× |
| TTM Free Cash FlowTrailing 4 quarters | — | $608.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $194.0M | ||
| Q3 25 | $1.1B | $165.0M | ||
| Q2 25 | $741.0M | $223.0M | ||
| Q1 25 | $310.0M | $79.0M | ||
| Q4 24 | $642.0M | $147.0M | ||
| Q3 24 | $912.0M | $109.0M | ||
| Q2 24 | $742.0M | $124.0M |
| Q1 26 | — | — | ||
| Q4 25 | $939.0M | $178.0M | ||
| Q3 25 | $1.1B | $153.0M | ||
| Q2 25 | $737.0M | $208.0M | ||
| Q1 25 | $307.0M | $69.0M | ||
| Q4 24 | $638.0M | $134.0M | ||
| Q3 24 | $906.0M | $97.0M | ||
| Q2 24 | $737.0M | $108.0M |
| Q1 26 | — | — | ||
| Q4 25 | 30.4% | 10.9% | ||
| Q3 25 | 29.8% | 9.4% | ||
| Q2 25 | 22.7% | 13.4% | ||
| Q1 25 | 12.0% | 5.2% | ||
| Q4 24 | 25.1% | 10.0% | ||
| Q3 24 | 27.3% | 7.4% | ||
| Q2 24 | 29.0% | 8.7% |
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 1.0% | ||
| Q3 25 | 0.1% | 0.7% | ||
| Q2 25 | 0.1% | 1.0% | ||
| Q1 25 | 0.1% | 0.7% | ||
| Q4 24 | 0.2% | 1.0% | ||
| Q3 24 | 0.2% | 0.9% | ||
| Q2 24 | 0.2% | 1.3% |
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | 1.92× | ||
| Q3 25 | 0.99× | 1.57× | ||
| Q2 25 | 1.08× | 2.79× | ||
| Q1 25 | — | 1.41× | ||
| Q4 24 | 1.59× | 4.59× | ||
| Q3 24 | 1.11× | 1.95× | ||
| Q2 24 | 2.38× | 8.86× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CINF
Segment breakdown not available.
TOST
| Technology Service | $1.3B | 82% |
| License | $256.0M | 16% |
| Product And Professional Services | $43.0M | 3% |
