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Cincinnati Financial CINF Whole Life Insurance — Interest accrual

Other product segments

Term Life Insurance
$32M0.0%

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$197M-1.5%

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:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitInterestExpense.

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 accrual?
Cincinnati Financial (CINF) reported whole life insurance — interest accrual of $8M in Q1 2026.
How has Cincinnati Financial's whole life insurance — interest accrual changed year-over-year?
Cincinnati Financial's whole life insurance — interest accrual decreased by 11.1% year-over-year, from $9M to $8M.
What is the long-term trend for Cincinnati Financial's whole life insurance — interest accrual?
Over 4 years (2021 to 2025), Cincinnati Financial's whole life insurance — interest accrual has grown at a 3.3% compound annual growth rate (CAGR), from $29M to $33M.
What does whole life insurance — interest accrual mean?
Reflects the interest accrued on the liability for future policy benefits over the reporting period. This represents the 'unwinding' of the discount on the long-term insurance liabilities as they approach maturity. It is a non-cash expense that reflects the time value of money in insurance accounting.