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Side-by-side financial comparison of Cincinnati Financial (CINF) and Texas Roadhouse, Inc. (TXRH). 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× Texas Roadhouse, Inc.). Cincinnati Financial runs the higher net margin — 9.6% vs 5.8%, a 3.7% gap on every dollar of revenue. On growth, Texas Roadhouse, Inc. posted the faster year-over-year revenue change (3.1% vs -1.7%). Over the past eight quarters, Texas Roadhouse, Inc.'s revenue compounded faster (12.8% 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.
Texas Roadhouse is an American steakhouse chain that specializes in steaks in a Texan and Southwestern cuisine style. It is a subsidiary of Texas Roadhouse Inc, which has two other concepts and is headquartered in Louisville, Kentucky. As of August 2025, the chain operates about 800 locations in 49 U.S. states and 70 international locations in 11 countries.
CINF vs TXRH — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.8B | $1.5B |
| Net Profit | $274.0M | $86.7M |
| Gross Margin | — | — |
| Operating Margin | — | 6.5% |
| Net Margin | 9.6% | 5.8% |
| Revenue YoY | -1.7% | 3.1% |
| Net Profit YoY | 404.4% | -26.9% |
| EPS (diluted) | — | $1.29 |
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 | — | ||
| Q4 24 | $2.5B | $1.4B | ||
| Q3 24 | $3.3B | $1.3B | ||
| Q2 24 | $2.5B | $1.3B |
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $86.7M | ||
| Q3 25 | $1.1B | $84.9M | ||
| Q2 25 | $685.0M | $116.1M | ||
| Q1 25 | $-90.0M | — | ||
| Q4 24 | $405.0M | $118.5M | ||
| Q3 24 | $820.0M | $86.8M | ||
| Q2 24 | $312.0M | $123.1M |
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 6.5% | ||
| Q3 25 | 37.9% | 6.7% | ||
| Q2 25 | 26.3% | 9.3% | ||
| Q1 25 | -5.0% | — | ||
| Q4 24 | 18.9% | 9.6% | ||
| Q3 24 | 31.3% | 8.0% | ||
| Q2 24 | 15.2% | 10.6% |
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | 5.8% | ||
| Q3 25 | 30.1% | 5.9% | ||
| Q2 25 | 21.1% | 8.0% | ||
| Q1 25 | -3.5% | — | ||
| Q4 24 | 16.0% | 8.2% | ||
| Q3 24 | 24.7% | 6.8% | ||
| Q2 24 | 12.3% | 9.2% |
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $1.29 | ||
| Q3 25 | $7.11 | $1.25 | ||
| Q2 25 | $4.34 | $1.70 | ||
| Q1 25 | $-0.57 | — | ||
| Q4 24 | $2.57 | $1.73 | ||
| Q3 24 | $5.20 | $1.26 | ||
| Q2 24 | $1.98 | $1.79 |
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 | $134.7M |
| Total DebtLower is stronger | $816.0M | — |
| Stockholders' EquityBook value | $15.7B | $1.5B |
| Total Assets | $41.2B | $3.5B |
| Debt / EquityLower = less leverage | 0.05× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $134.7M | ||
| Q3 25 | $1.6B | $108.2M | ||
| Q2 25 | $1.1B | $221.1M | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.3B | $245.2M | ||
| Q3 24 | $1.8B | $189.2M | ||
| Q2 24 | $771.0M | $197.5M |
| 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 | $1.5B | ||
| Q3 25 | $15.4B | $1.5B | ||
| Q2 25 | $14.3B | $1.4B | ||
| Q1 25 | $13.7B | — | ||
| Q4 24 | $13.9B | $1.4B | ||
| Q3 24 | $13.8B | $1.3B | ||
| Q2 24 | $12.8B | $1.3B |
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $3.5B | ||
| Q3 25 | $40.6B | $3.3B | ||
| Q2 25 | $38.8B | $3.2B | ||
| Q1 25 | $37.3B | — | ||
| Q4 24 | $36.5B | $3.2B | ||
| Q3 24 | $37.0B | $2.9B | ||
| Q2 24 | $34.8B | $2.9B |
| 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× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CINF
| Property casualty | $2.6B | 93% |
| Life | $105.0M | 4% |
| Other | $92.0M | 3% |
| Fee revenues | $1.0M | 0% |
TXRH
| Food And Beverage | $1.5B | 99% |
| Texas Roadhouse Segment | $21.2M | 1% |
| Franchise | $8.2M | 1% |
| Franchise Royalty | $7.4M | 0% |
| Bubba S33Segment | $2.3M | 0% |
