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Cincinnati Financial CINF Term Life Insurance — Interest accretion

Other product segments

Whole Life Insurance
$6M0.0%

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Other financials

Income statement

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Revenue$2.9B+11.6%
Net income$274.0M+404%
EPS (diluted)$1.75+407%

Balance sheet

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Cash & equivalents$1.2B+19.8%
Total debt$791.0M+0.1%
Total equity$15.7B+14.6%
Total assets$41.2B+10.6%

Cash flow

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Operating cash flow$656.0M+112%
CapEx$2.0M-33.3%
Free cash flow$654.0M+113%

Valuation

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Market cap$28.64B+30.4%
Enterprise value$28.22B+29.7%
P/E10.4×-1.7×
P/S2.2×+0.3×

Profitability

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Net margin21.3%+8.1pp
FCF margin26.6%+3.0pp

Returns & leverage

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Return on equity18.7%+7.8pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Cincinnati Financial in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitInterestExpense.

The official record: Cincinnati Financial’s 10-Q, filed April 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Cincinnati Financial's term life insurance — interest accretion?
Cincinnati Financial (CINF) reported term life insurance — interest accretion of $13M in Q1 2026.
How has Cincinnati Financial's term life insurance — interest accretion changed year-over-year?
Cincinnati Financial's term life insurance — interest accretion decreased by 0.0% year-over-year, from $13M to $13M.
What is the long-term trend for Cincinnati Financial's term life insurance — interest accretion?
Over 4 years (2021 to 2025), Cincinnati Financial's term life insurance — interest accretion has grown at a 2.6% compound annual growth rate (CAGR), from $47M to $52M.
What does term life insurance — interest accretion mean?
Interest accretion represents the increase in the carrying value of insurance liabilities over time due to the passage of time, as the expected payment date approaches. It is a non-cash expense that reflects the unwinding of the discount on long-term liabilities. This metric is crucial for understanding the impact of time on the company's balance sheet liabilities.