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Cincinnati Financial CINF Universal life — Effect of changes in interest rate assumptions

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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:AdditionalLiabilityLongDurationInsuranceIncreaseDecreaseFromDiscountRateChange.

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 universal life — effect of changes in interest rate assumptions?
Cincinnati Financial (CINF) reported universal life — effect of changes in interest rate assumptions of $1M in Q1 2026.
How has Cincinnati Financial's universal life — effect of changes in interest rate assumptions changed year-over-year?
Cincinnati Financial's universal life — effect of changes in interest rate assumptions decreased by 0.0% year-over-year, from $1M to $1M.
What is the long-term trend for Cincinnati Financial's universal life — effect of changes in interest rate assumptions?
Over 3 years (2021 to 2024), Cincinnati Financial's universal life — effect of changes in interest rate assumptions has grown at a 0.0% compound annual growth rate (CAGR), from $2M to -$2M.
What does universal life — effect of changes in interest rate assumptions mean?
This metric measures the impact on long-duration insurance liabilities resulting from changes in the interest rate assumptions used for discounting future obligations. It captures the sensitivity of the balance sheet to shifts in the interest rate environment.