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Cincinnati Financial CINF Whole Life Insurance — Current discount rate

Other product segments

Term Life Insurance
5.1%+3.0%

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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:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

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 whole life insurance — current discount rate?
Cincinnati Financial (CINF) reported whole life insurance — current discount rate of 5.8% in Q1 2026.
How has Cincinnati Financial's whole life insurance — current discount rate changed year-over-year?
Cincinnati Financial's whole life insurance — current discount rate increased by 2.6% year-over-year, from 5.7% to 5.8%.
What is the long-term trend for Cincinnati Financial's whole life insurance — current discount rate?
Over 3 years (2022 to 2025), Cincinnati Financial's whole life insurance — current discount rate has grown at a 5.1% compound annual growth rate (CAGR), from 19.4% to 22.5%.
What does whole life insurance — current discount rate mean?
This represents the current market-based or company-determined interest rate used to discount future cash flows to their present value. It is used to value both assets and liabilities within the life insurance segment. This rate is highly sensitive to macroeconomic conditions and central bank policies.