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Cincinnati Financial CINF Q2 2026 earnings

Reported July 27, 2026 · After market close

Revenue$4.3BBeat by $1.6B
EPS$1.43Miss by $0.41
Revenue estimate$2.7B
EPS estimate$1.84
“Investment income increased nicely, producing our main source of profits in the second quarter and bringing our total non-GAAP operating income to $554 million for the first half of the year.”
Stephen M. Spray

Next report

Oct 26, 2026 (in 2 months)
Revenue estimate$2.6B
EPS estimate$1.89

Financials

Q2 2026

Income statement

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Revenue$4.3B+31.6%
Net income$1.3B+83.2%
EPS (diluted)$8.05+85.5%

Balance sheet

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Cash & equivalents$1.8B+75.9%
Total debt$791.0M+0.1%
Total equity$16.7B+16.6%
Total assets$43.2B+11.3%

Cash flow

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Operating cash flow$700.0M-5.5%
CapEx$2.0M-50.0%
Free cash flow$698.0M-5.3%

Valuation & ratios

Valuation

as of 08/27/26
See full
Market cap$26.46B+9.9%
Enterprise value$25.5B+6.8%
P/E8×-5.3×
P/S1.9×-0.2×

Profitability

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Net margin23.8%+8.2pp
FCF margin24.4%+2.2pp

Returns & leverage

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Return on equity21.5%+8.0pp
Debt / equity0×0.0×

Segments

By segment

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Investment Segment$1.6B+115%
Commercial Insurance$1.3B+3.3%
Personal Insurance$881.0M+9.3%
Excess and Surplus Lines Insurance$190.0M+8.6%
Life Insurance Segment$89.0M+4.7%

FAQ

When did Cincinnati Financial report Q2 2026 earnings?
Cincinnati Financial (CINF) reported Q2 2026 earnings on July 27, 2026 after market close.
What were Cincinnati Financial's Q2 2026 revenue and EPS?
Cincinnati Financial reported revenue of $4.3B and eps of $1.43 for Q2 2026.
Did Cincinnati Financial beat estimates in Q2 2026?
Revenue beat the consensus estimate of $2.7B by $1.6B. EPS missed the consensus estimate of $1.84 by $0.41.
How did Cincinnati Financial's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 31.6% from $3.2B a year earlier and eps declined 27.4% from $1.97.
Where can I find Cincinnati Financial's Q2 2026 SEC filings?
You can read the 8-K earnings release (0000020286-26-000043) and the 10-Q periodic report (0000020286-26-000045) directly on SEC EDGAR. The filing index links above go to sec.gov.