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Side-by-side financial comparison of Cincinnati Financial (CINF) and Workday, Inc. (WDAY). Click either name above to swap in a different company.
Cincinnati Financial is the larger business by last-quarter revenue ($2.8B vs $2.4B, roughly 1.2× Workday, Inc.). Workday, Inc. runs the higher net margin — 10.4% vs 9.6%, a 0.8% gap on every dollar of revenue. On growth, Workday, Inc. posted the faster year-over-year revenue change (12.6% vs -1.7%). Over the past eight quarters, Workday, Inc.'s revenue compounded faster (12.5% 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.
Workday, Inc. is a leading global enterprise cloud software provider that develops and distributes human capital management, financial management, and enterprise resource planning solutions. It caters primarily to mid-sized and large organizations across sectors including education, healthcare, finance, and technology, with operations spanning North America, Europe, and Asia Pacific.
CINF vs WDAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $2.8B | $2.4B |
| Net Profit | $274.0M | $252.0M |
| Gross Margin | — | — |
| Operating Margin | — | 10.6% |
| Net Margin | 9.6% | 10.4% |
| Revenue YoY | -1.7% | 12.6% |
| Net Profit YoY | 404.4% | 30.6% |
| EPS (diluted) | — | $0.94 |
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 | $2.4B | ||
| Q3 25 | $3.7B | $2.3B | ||
| Q2 25 | $3.2B | $2.2B | ||
| Q1 25 | $2.6B | $2.2B | ||
| Q4 24 | $2.5B | $2.2B | ||
| Q3 24 | $3.3B | $2.1B | ||
| Q2 24 | $2.5B | $2.0B |
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $252.0M | ||
| Q3 25 | $1.1B | $228.0M | ||
| Q2 25 | $685.0M | $68.0M | ||
| Q1 25 | $-90.0M | $94.0M | ||
| Q4 24 | $405.0M | $193.0M | ||
| Q3 24 | $820.0M | $132.0M | ||
| Q2 24 | $312.0M | $107.0M |
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 10.6% | ||
| Q3 25 | 37.9% | 10.6% | ||
| Q2 25 | 26.3% | 1.7% | ||
| Q1 25 | -5.0% | 3.4% | ||
| Q4 24 | 18.9% | 7.6% | ||
| Q3 24 | 31.3% | 5.3% | ||
| Q2 24 | 15.2% | 3.2% |
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | 10.4% | ||
| Q3 25 | 30.1% | 9.7% | ||
| Q2 25 | 21.1% | 3.0% | ||
| Q1 25 | -3.5% | 4.3% | ||
| Q4 24 | 16.0% | 8.9% | ||
| Q3 24 | 24.7% | 6.3% | ||
| Q2 24 | 12.3% | 5.4% |
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $0.94 | ||
| Q3 25 | $7.11 | $0.84 | ||
| Q2 25 | $4.34 | $0.25 | ||
| Q1 25 | $-0.57 | $0.34 | ||
| Q4 24 | $2.57 | $0.72 | ||
| Q3 24 | $5.20 | $0.49 | ||
| Q2 24 | $1.98 | $0.40 |
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 | $6.8B |
| Total DebtLower is stronger | $816.0M | — |
| Stockholders' EquityBook value | $15.7B | $8.9B |
| Total Assets | $41.2B | $17.8B |
| Debt / EquityLower = less leverage | 0.05× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $6.8B | ||
| Q3 25 | $1.6B | $8.2B | ||
| Q2 25 | $1.1B | $8.0B | ||
| Q1 25 | $1.1B | $8.0B | ||
| Q4 24 | $1.3B | $7.2B | ||
| Q3 24 | $1.8B | $7.4B | ||
| Q2 24 | $771.0M | $7.2B |
| 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 | $3.0B |
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $8.9B | ||
| Q3 25 | $15.4B | $9.2B | ||
| Q2 25 | $14.3B | $8.9B | ||
| Q1 25 | $13.7B | $9.0B | ||
| Q4 24 | $13.9B | $8.6B | ||
| Q3 24 | $13.8B | $8.3B | ||
| Q2 24 | $12.8B | $8.2B |
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $17.8B | ||
| Q3 25 | $40.6B | $18.0B | ||
| Q2 25 | $38.8B | $17.2B | ||
| Q1 25 | $37.3B | $18.0B | ||
| Q4 24 | $36.5B | $16.4B | ||
| Q3 24 | $37.0B | $16.2B | ||
| Q2 24 | $34.8B | $15.9B |
| 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× | 0.37× |
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 | — | $588.0M |
| Free Cash FlowOCF − Capex | — | $550.0M |
| FCF MarginFCF / Revenue | — | 22.6% |
| Capex IntensityCapex / Revenue | — | 1.6% |
| Cash ConversionOCF / Net Profit | — | 2.33× |
| TTM Free Cash FlowTrailing 4 quarters | — | $2.6B |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $588.0M | ||
| Q3 25 | $1.1B | $616.0M | ||
| Q2 25 | $741.0M | $457.0M | ||
| Q1 25 | $310.0M | $1.1B | ||
| Q4 24 | $642.0M | $406.0M | ||
| Q3 24 | $912.0M | $571.0M | ||
| Q2 24 | $742.0M | $372.0M |
| Q1 26 | — | — | ||
| Q4 25 | $939.0M | $550.0M | ||
| Q3 25 | $1.1B | $588.0M | ||
| Q2 25 | $737.0M | $421.0M | ||
| Q1 25 | $307.0M | $1.0B | ||
| Q4 24 | $638.0M | $359.0M | ||
| Q3 24 | $906.0M | $516.0M | ||
| Q2 24 | $737.0M | $291.0M |
| Q1 26 | — | — | ||
| Q4 25 | 30.4% | 22.6% | ||
| Q3 25 | 29.8% | 25.0% | ||
| Q2 25 | 22.7% | 18.8% | ||
| Q1 25 | 12.0% | 46.4% | ||
| Q4 24 | 25.1% | 16.6% | ||
| Q3 24 | 27.3% | 24.7% | ||
| Q2 24 | 29.0% | 14.6% |
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 1.6% | ||
| Q3 25 | 0.1% | 1.2% | ||
| Q2 25 | 0.1% | 1.6% | ||
| Q1 25 | 0.1% | 3.9% | ||
| Q4 24 | 0.2% | 2.2% | ||
| Q3 24 | 0.2% | 2.6% | ||
| Q2 24 | 0.2% | 4.1% |
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | 2.33× | ||
| Q3 25 | 0.99× | 2.70× | ||
| Q2 25 | 1.08× | 6.72× | ||
| Q1 25 | — | 11.83× | ||
| Q4 24 | 1.59× | 2.10× | ||
| Q3 24 | 1.11× | 4.33× | ||
| Q2 24 | 2.38× | 3.48× |
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% |
WDAY
| Subscription Services | $2.2B | 92% |
| Professional Services | $188.0M | 8% |
