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Cincinnati Financial CINF Q2 2025 earnings

Reported July 28, 2025 · After market close

Revenue$3.2BBeat by $719.6MDiluted EPS$1.97Beat by $0.56
Revenue estimate$2.5B
EPS estimate$1.41

Next report

Jul 27, 2026 (In 2 weeks)
Revenue estimate$2.7B
EPS estimate$1.73

Financials

Q2 2025

Income statement

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Revenue$3.2B+27.7%
Net income$685.0M+120%
EPS (diluted)$4.34+119%

Balance sheet

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Cash & equivalents$995.0M+29.1%
Total debt$790.0M0.0%
Total equity$14.3B+11.9%
Total assets$38.8B+11.6%

Cash flow

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Operating cash flow$741.0M-0.1%
CapEx$4.0M-20.0%
Free cash flow$737.0M0.0%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$22.93B+24.0%
Enterprise value$22.72B+22.8%
P/E12.6×+4.0×
P/S2×+0.2×

Profitability

See full
Net margin15.6%-4.6pp
FCF margin22.2%+0.6pp

Returns & leverage

See full
Return on equity13.4%-4.6pp
Debt / equity0.1×0.0×

Segments

By segment

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Commercial Insurance$1.2B+9.4%
Personal Insurance$806.0M+27.5%
Investment Segment$758.0M+100%
Excess and Surplus Lines Insurance$175.0M+15.1%
Life Insurance Segment$85.0M+2.4%

Versus estimates

Revenue

Q1 2026$2.6BMiss by $3.3MQ4 2025$2.6BBeat by $39.4MQ3 2025$3.7BBeat by $1.2B
Q2 2025$3.2BBeat by $719.6M
Q1 2025$2.6BBeat by $162.2MQ4 2024$2.5BBeat by $210.7M

Diluted EPS

Q1 2026$2.10Beat by $0.17Q4 2025$3.37Beat by $0.47Q3 2025$2.85Beat by $0.71
Q2 2025$1.97Beat by $0.56
Q1 2025-$0.24Beat by $0.38Q4 2024$3.14Beat by $1.24

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Questions, answered.

When did Cincinnati Financial report Q2 2025 earnings?
Cincinnati Financial (CINF) reported Q2 2025 earnings on July 28, 2025 after market close.
What were Cincinnati Financial's Q2 2025 revenue and EPS?
Cincinnati Financial reported revenue of $3.2B and diluted EPS of $1.97 for Q2 2025.
Did Cincinnati Financial beat estimates in Q2 2025?
Revenue beat the consensus estimate of $2.5B by $719.6M. EPS beat the consensus estimate of $1.41 by $0.56.
How did Cincinnati Financial's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 27.7% from $2.5B a year earlier and diluted EPS grew 52.7% from $1.29.
Where can I find Cincinnati Financial's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0000020286-25-000045) directly on SEC EDGAR. The filing index links above go to sec.gov.