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Cincinnati Financial CINF Q4 2025 Annual earnings

Reported February 9, 2026 · After market close

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

Next report

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

Financials

Q4 2025

Income statement

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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

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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

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

Segments

By segment

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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%

FAQ

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 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 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.