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Side-by-side financial comparison of Cincinnati Financial (CINF) and Vistra Corp. (VST). Click either name above to swap in a different company.
Vistra Corp. is the larger business by last-quarter revenue ($4.8B vs $2.8B, roughly 1.7× Cincinnati Financial). Cincinnati Financial runs the higher net margin — 9.6% vs 4.8%, a 4.7% gap on every dollar of revenue. On growth, Vistra Corp. posted the faster year-over-year revenue change (31.2% vs -1.7%). Over the past eight quarters, Vistra Corp.'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.
Vistra may refer to either of two companies:Vistra, a corporate services company based in Hong Kong Vistra Corp, an energy company based in Texas
CINF vs VST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.8B | $4.8B |
| Net Profit | $274.0M | $233.0M |
| Gross Margin | — | — |
| Operating Margin | — | 9.9% |
| Net Margin | 9.6% | 4.8% |
| Revenue YoY | -1.7% | 31.2% |
| Net Profit YoY | 404.4% | -47.2% |
| EPS (diluted) | — | $0.55 |
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 | $4.8B | ||
| Q3 25 | $3.7B | $4.8B | ||
| Q2 25 | $3.2B | $3.8B | ||
| Q1 25 | $2.6B | $4.3B | ||
| Q4 24 | $2.5B | $3.7B | ||
| Q3 24 | $3.3B | $4.3B | ||
| Q2 24 | $2.5B | $3.6B |
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $233.0M | ||
| Q3 25 | $1.1B | $652.0M | ||
| Q2 25 | $685.0M | $327.0M | ||
| Q1 25 | $-90.0M | $-268.0M | ||
| Q4 24 | $405.0M | $441.0M | ||
| Q3 24 | $820.0M | $1.9B | ||
| Q2 24 | $312.0M | $365.0M |
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 9.9% | ||
| Q3 25 | 37.9% | 21.7% | ||
| Q2 25 | 26.3% | 13.7% | ||
| Q1 25 | -5.0% | -2.8% | ||
| Q4 24 | 18.9% | 16.4% | ||
| Q3 24 | 31.3% | 59.6% | ||
| Q2 24 | 15.2% | 22.5% |
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | 4.8% | ||
| Q3 25 | 30.1% | 13.6% | ||
| Q2 25 | 21.1% | 8.7% | ||
| Q1 25 | -3.5% | -6.3% | ||
| Q4 24 | 16.0% | 12.0% | ||
| Q3 24 | 24.7% | 43.5% | ||
| Q2 24 | 12.3% | 10.1% |
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $0.55 | ||
| Q3 25 | $7.11 | $1.75 | ||
| Q2 25 | $4.34 | $0.81 | ||
| Q1 25 | $-0.57 | $-0.93 | ||
| Q4 24 | $2.57 | $1.09 | ||
| Q3 24 | $5.20 | $5.25 | ||
| Q2 24 | $1.98 | $0.90 |
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 | $785.0M |
| Total DebtLower is stronger | $816.0M | $15.8B |
| Stockholders' EquityBook value | $15.7B | $5.1B |
| Total Assets | $41.2B | $41.5B |
| Debt / EquityLower = less leverage | 0.05× | 3.11× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $785.0M | ||
| Q3 25 | $1.6B | $602.0M | ||
| Q2 25 | $1.1B | $458.0M | ||
| Q1 25 | $1.1B | $561.0M | ||
| Q4 24 | $1.3B | $1.2B | ||
| Q3 24 | $1.8B | $905.0M | ||
| Q2 24 | $771.0M | $1.6B |
| Q1 26 | $816.0M | — | ||
| Q4 25 | $861.0M | $15.8B | ||
| Q3 25 | $858.0M | $15.8B | ||
| Q2 25 | $859.0M | $15.5B | ||
| Q1 25 | $853.0M | $15.4B | ||
| Q4 24 | $850.0M | $15.4B | ||
| Q3 24 | $849.0M | $13.9B | ||
| Q2 24 | $849.0M | $13.9B |
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $5.1B | ||
| Q3 25 | $15.4B | $5.2B | ||
| Q2 25 | $14.3B | $4.8B | ||
| Q1 25 | $13.7B | $4.8B | ||
| Q4 24 | $13.9B | $5.6B | ||
| Q3 24 | $13.8B | $5.4B | ||
| Q2 24 | $12.8B | $5.6B |
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $41.5B | ||
| Q3 25 | $40.6B | $38.0B | ||
| Q2 25 | $38.8B | $38.1B | ||
| Q1 25 | $37.3B | $38.2B | ||
| Q4 24 | $36.5B | $37.8B | ||
| Q3 24 | $37.0B | $37.9B | ||
| Q2 24 | $34.8B | $39.1B |
| Q1 26 | 0.05× | — | ||
| Q4 25 | 0.05× | 3.11× | ||
| Q3 25 | 0.06× | 3.02× | ||
| Q2 25 | 0.06× | 3.22× | ||
| Q1 25 | 0.06× | 3.20× | ||
| Q4 24 | 0.06× | 2.77× | ||
| Q3 24 | 0.06× | 2.56× | ||
| Q2 24 | 0.07× | 2.49× |
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 | — | $1.4B |
| Free Cash FlowOCF − Capex | — | $596.0M |
| FCF MarginFCF / Revenue | — | 12.4% |
| Capex IntensityCapex / Revenue | — | 17.4% |
| Cash ConversionOCF / Net Profit | — | 6.15× |
| TTM Free Cash FlowTrailing 4 quarters | — | $1.3B |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $1.4B | ||
| Q3 25 | $1.1B | $1.5B | ||
| Q2 25 | $741.0M | $572.0M | ||
| Q1 25 | $310.0M | $599.0M | ||
| Q4 24 | $642.0M | $1.4B | ||
| Q3 24 | $912.0M | $1.7B | ||
| Q2 24 | $742.0M | $1.2B |
| Q1 26 | — | — | ||
| Q4 25 | $939.0M | $596.0M | ||
| Q3 25 | $1.1B | $1.0B | ||
| Q2 25 | $737.0M | $-118.0M | ||
| Q1 25 | $307.0M | $-169.0M | ||
| Q4 24 | $638.0M | $923.0M | ||
| Q3 24 | $906.0M | $1.0B | ||
| Q2 24 | $737.0M | $698.0M |
| Q1 26 | — | — | ||
| Q4 25 | 30.4% | 12.4% | ||
| Q3 25 | 29.8% | 21.1% | ||
| Q2 25 | 22.7% | -3.1% | ||
| Q1 25 | 12.0% | -4.0% | ||
| Q4 24 | 25.1% | 25.2% | ||
| Q3 24 | 27.3% | 23.4% | ||
| Q2 24 | 29.0% | 19.4% |
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 17.4% | ||
| Q3 25 | 0.1% | 9.6% | ||
| Q2 25 | 0.1% | 18.4% | ||
| Q1 25 | 0.1% | 18.1% | ||
| Q4 24 | 0.2% | 11.7% | ||
| Q3 24 | 0.2% | 15.8% | ||
| Q2 24 | 0.2% | 13.8% |
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | 6.15× | ||
| Q3 25 | 0.99× | 2.25× | ||
| Q2 25 | 1.08× | 1.75× | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.59× | 3.07× | ||
| Q3 24 | 1.11× | 0.90× | ||
| Q2 24 | 2.38× | 3.28× |
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% |
VST
| Retail Energy Charge In ERCOT | $2.1B | 43% |
| Retail Energy Charge In Northeast Midwest | $1.2B | 24% |
| East Segment | $1.1B | 24% |
| Hedging Revenue Realized | $170.0M | 4% |
| Revenue From Other Wholesale Contracts | $116.0M | 2% |
| Transferable Production Tax Credit Revenues | $78.0M | 2% |
| West Segment | $77.0M | 2% |
| Intersegment Sales | $25.0M | 1% |
