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Cincinnati Financial CINF Whole Life Insurance — Interest accretion

Other product segments

Term Life Insurance
$13M0.0%

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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 whole life insurance — interest accretion?
Cincinnati Financial (CINF) reported whole life insurance — interest accretion of $6M in Q1 2026.
How has Cincinnati Financial's whole life insurance — interest accretion changed year-over-year?
Cincinnati Financial's whole life insurance — interest accretion decreased by 0.0% year-over-year, from $6M to $6M.
What is the long-term trend for Cincinnati Financial's whole life insurance — interest accretion?
Over 4 years (2021 to 2025), Cincinnati Financial's whole life insurance — interest accretion has grown at a 2.3% compound annual growth rate (CAGR), from $21M to $23M.
What does whole life insurance — interest accretion mean?
This metric measures the increase in the carrying value of insurance liabilities due to the passage of time, reflecting the interest component of the reserve calculation. It represents the 'unwinding' of the discount applied to future liabilities. It is a key component of the insurance segment's periodic expense profile.