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Cincinnati Financial CINF Q3 2025 earnings

Reported October 27, 2025 · After market close

Revenue$3.7BBeat by $1.2B
EPS$2.85Beat by $0.71
Revenue estimate$2.6B
EPS estimate$2.14

Next report

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

Financials

Q3 2025

Income statement

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Revenue$3.7B+12.2%
Net income$1.1B+36.8%
EPS (diluted)$7.11+36.7%

Balance sheet

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Cash & equivalents$1.5B-16.7%
Total debt$790.0M0.0%
Total equity$15.4B+11.6%
Total assets$40.6B+9.6%

Cash flow

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Operating cash flow$1.1B+22.1%
CapEx$5.0M-16.7%
Free cash flow$1.1B+22.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$24.72B+16.2%
Enterprise value$24.05B+18.5%
P/E11.7×+4.7×
P/S2×+0.3×

Profitability

See full
Net margin17.6%-7.7pp
FCF margin23.1%+2.1pp

Returns & leverage

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Return on equity14.5%-10.6pp
Debt / equity0.1×0.0×

Segments

By segment

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Commercial Insurance$1.2B+8.2%
Investment Segment$1.1B+13.0%
Personal Insurance$839.0M+23.4%
Excess and Surplus Lines Insurance$175.0M+11.5%
Life Insurance Segment$84.0M+3.7%

FAQ

When did Cincinnati Financial report Q3 2025 earnings?
Cincinnati Financial (CINF) reported Q3 2025 earnings on October 27, 2025 after market close.
What were Cincinnati Financial's Q3 2025 revenue and EPS?
Cincinnati Financial reported revenue of $3.7B and eps of $2.85 for Q3 2025.
Did Cincinnati Financial beat estimates in Q3 2025?
Revenue beat the consensus estimate of $2.6B by $1.2B. EPS beat the consensus estimate of $2.14 by $0.71.
How did Cincinnati Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.2% from $3.3B a year earlier and eps grew 100.7% from $1.42.
Where can I find Cincinnati Financial's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000020286-25-000061) and the 10-Q periodic report (0000020286-25-000062) directly on SEC EDGAR. The filing index links above go to sec.gov.