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Cincinnati Financial CINF Universal life — Interest credited

Other product segments

Deferred Fixed Annuity
$5M0.0%

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$57M+26.7%
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$437.26K+3.3%
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$70.7M+2.6%
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$17M+6.3%

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:InterestCreditedToPolicyholdersAccountBalances.

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 — interest credited?
Cincinnati Financial (CINF) reported universal life — interest credited of $5M in Q1 2026.
How has Cincinnati Financial's universal life — interest credited changed year-over-year?
Cincinnati Financial's universal life — interest credited decreased by 0.0% year-over-year, from $5M to $5M.
What is the long-term trend for Cincinnati Financial's universal life — interest credited?
Over 4 years (2021 to 2025), Cincinnati Financial's universal life — interest credited has grown at a 1.3% compound annual growth rate (CAGR), from $19M to $20M.
What does universal life — interest credited mean?
This represents the interest added to universal life policyholder account balances based on the company's crediting rate. It is a primary driver of policyholder value and a significant expense for the insurer. Balancing interest credited with investment income is key to maintaining the profitability of the universal life product.