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Cincinnati Financial CINF Q4 2025 Annual earnings

Reported February 9, 2026 · After market close

Revenue$2.6BBeat by $39.4MDiluted EPS$3.37Beat by $0.47
Revenue estimate$2.6B
EPS estimate$2.90

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$3.1B+21.8%
Net income$676.0M+66.9%
EPS (diluted)$4.29+67.6%

Balance sheet

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Cash & equivalents$1.4B+45.6%
Total debt$790.0M0.0%
Total equity$15.9B+14.2%
Total assets$41.0B+12.3%

Cash flow

See full
Operating cash flow$947.0M+47.5%
CapEx$8.0M+100%
Free cash flow$939.0M+47.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$25.48B+13.4%
Enterprise value$24.84B+11.5%
P/E10.6×+0.8×
P/S2×0.0×

Profitability

See full
Net margin18.9%-1.3pp
FCF margin24.5%+1.3pp

Returns & leverage

See full
Return on equity16%-1.6pp
Debt / equity0×0.0×

Segments

By segment

See full
Commercial Insurance$1.2B+7.1%
Personal Insurance$860.0M+18.3%
Investment Segment$488.0M+198%
Excess and Surplus Lines Insurance$189.0M+11.8%
Life Insurance Segment$86.0M+4.9%

Versus estimates

Revenue

Q1 2026$2.6BMiss by $3.3M
Q4 2025$2.6BBeat by $39.4M
Q3 2025$3.7BBeat by $1.2BQ2 2025$3.2BBeat by $719.6MQ1 2025$2.6BBeat by $162.2MQ4 2024$2.5BBeat by $210.7M

Diluted EPS

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

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Questions, answered.

When did Cincinnati Financial report Q4 2025 earnings?
Cincinnati Financial (CINF) reported Q4 2025 earnings on February 9, 2026 after market close.
What were Cincinnati Financial's Q4 2025 revenue and EPS?
Cincinnati Financial reported revenue of $2.6B and diluted EPS of $3.37 for Q4 2025.
Did Cincinnati Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $2.6B by $39.4M. EPS beat the consensus estimate of $2.90 by $0.47.
How did Cincinnati Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 2.1% from $2.5B a year earlier and diluted EPS grew 7.3% from $3.14.
Where can I find Cincinnati Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000020286-26-000005) and the 10-K periodic report (0000020286-26-000008) directly on SEC EDGAR. The filing index links above go to sec.gov.