CINCINNATI FINANCIAL CORP
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CINF Q1 2026 request
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| Metric | Q1 2026 | Q1 2025 | YoY |
|---|---|---|---|
| Premiums Earned Net | 2,604 | 2,344 | +11.1% |
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| Commercial Insurance · Operating Segments | 1,241 | 1,179 | +5.3% |
| Consolidated Property And Casualty Insurance | 2,519 | 2,264 | +11.3% |
| Excess and Surplus Lines Insurance · Operating Segments | 180 | 162 | +11.1% |
| Life Insurance Segment | 85 | 80 | +6.2% |
| Life Insurance Segment · Operating Segments | 85 | 80 | +6.2% |
| Personal Insurance · Operating Segments | 873 | 698 | +25.1% |
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| Corporate Non Segment | 225 | 225 | 0.0% |
| Net Investment Income | 318 | 280 | +13.6% |
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| Investment Segment · Operating Segments | 318 | 280 | +13.6% |
| Gain Loss On Investments | -70 | -67 | -4.5% |
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| Investment Segment · Operating Segments | -70 | -67 | -4.5% |
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| Equity Securities | -71 | -72 | +1.4% |
| Insurance Commissions And Fees | 5 | 5 | 0.0% |
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| Commercial Insurance · Operating Segments | 1 | 2 | -50.0% |
| Excess and Surplus Lines Insurance · Operating Segments | 1 | 1 | 0.0% |
| Life Insurance Segment · Operating Segments | 1 | 1 | 0.0% |
| Personal Insurance · Operating Segments | 2 | 1 | +100.0% |
| Other Income | 6 | 4 | +50.0% |
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| Corporate Non Segment | 6 | 4 | +50.0% |
| Revenue | 2,863 | 2,566 | +11.6% |
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| Commercial Insurance · Operating Segments | 1,242 | 1,181 | +5.2% |
| Excess and Surplus Lines Insurance · Operating Segments | 181 | 163 | +11.0% |
| Investment Segment · Operating Segments | 248 | 213 | +16.4% |
| Life Insurance Segment · Operating Segments | 86 | 81 | +6.2% |
| Personal Insurance · Operating Segments | 875 | 699 | +25.2% |
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| Operating Segments | 2,632 | 2,337 | +12.6% |
| Policyholder Benefits And Claims Incurred Net | 1,751 | 1,968 | -11.0% |
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| Commercial Insurance · Operating Segments | 847 | 735 | +15.2% |
| Consolidated Property And Casualty Insurance | 1,667 | 1,887 | -11.7% |
| Excess and Surplus Lines Insurance · Operating Segments | 110 | 99 | +11.1% |
| Life Insurance Segment | 84 | 81 | +3.7% |
| Life Insurance Segment · Operating Segments | 84 | 81 | +3.7% |
| Personal Insurance · Operating Segments | 607 | 846 | -28.3% |
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| Corporate Non Segment | 103 | 207 | -50.2% |
| Underwriting Acquisition And Insurance Expenses | 764 | 702 | +8.8% |
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| Commercial Insurance · Operating Segments | 377 | 349 | +8.0% |
| Excess and Surplus Lines Insurance · Operating Segments | 50 | 44 | +13.6% |
| Life Insurance Segment · Operating Segments | 23 | 23 | 0.0% |
| Personal Insurance · Operating Segments | 238 | 210 | +13.3% |
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| Corporate Non Segment | 76 | 76 | 0.0% |
| Interest Expense | 13 | 13 | 0.0% |
| Other Cost And Expense Operating | 9 | 11 | -18.2% |
| Benefits Losses And Expenses | 2,537 | 2,694 | -5.8% |
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| Operating Segments | 2,336 | 2,387 | -2.1% |
| Income Before Taxes | 326 | -128 | +354.7% |
| Current Income Tax Expense Benefit | 134 | -42 | +419.0% |
| Deferred Income Taxes | -82 | 4 | -2150.0% |
| Income Tax Expense (Benefit) | 52 | -38 | +236.8% |
| Net Income | 274 | -90 | +404.4% |
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| Retained Earnings | 274 | -90 | +404.4% |
| EPS (Basic) | 1.77 | -0.57 | +410.5% |
| EPS (Diluted) | 1.75 | -0.57 | +407.0% |
| Interest Income | 235 | 210 | +11.9% |
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| Investment Segment · Operating Segments | 32 | 32 | 0.0% |
| Life Insurance Segment · Operating Segments | -32 | -32 | 0.0% |
| Comprehensive Income | 123 | -52 | +336.5% |
| Other Comprehensive Income (Q) | — | — | — |
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| Accumulated Defined Benefit Plans Adjustment | -1 | -1 | 0.0% |
| Accumulated Net Unrealized Investment Gain Loss | -174 | 53 | -428.3% |
| AOCI on Life Policy Reserves, Reinsurance Recoverable And Other | 24 | -14 | +271.4% |
| Wtd Avg Shares (Basic) | 155.3 | 156.4 | -0.7% |
| Wtd Avg Shares (Diluted) | 157 | 156.4 | +0.4% |
| Liability For Unpaid Claims And Claims Adjustment Expense Incurred Claims1 (Q) | — | — | — |
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| Property Liability And Casualty Insurance Segment | 1,667 | 1,887 | -11.7% |
| Other Expenses (Q) | — | — | — |
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| Corporate Non Segment | 22 | 24 | -8.3% |
| Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments (Q) | — | — | — |
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| Commercial Insurance · Operating Segments | 18 | 97 | -81.4% |
| Excess and Surplus Lines Insurance · Operating Segments | 21 | 20 | +5.0% |
| Investment Segment · Operating Segments | 216 | 181 | +19.3% |
| Life Insurance Segment · Operating Segments | 11 | 9 | +22.2% |
| Personal Insurance · Operating Segments | 30 | -357 | +108.4% |
Balance Sheet
| Metric | Q1 2026 | Q1 2025 | YoY |
|---|---|---|---|
| Current Assets | |||
| Short-Term Investments | 49 | 100 | -51.0% |
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| Fair Value Inputs Level1 | 49 | 100 | -51.0% |
| Cash & Cash Equivalents | 1,210 | 1,010 | +19.8% |
| Non-Current Assets | |||
| Equity Securities Fv Ni Current And Noncurrent | 12,569 | 11,118 | +13.1% |
| Property, Plant & Equipment | 214 | 216 | -0.9% |
| Total Assets | 41,211 | 37,276 | +10.6% |
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| Investment Segment · Operating Segments | 31,410 | 27,967 | +12.3% |
| Life Insurance Segment · Operating Segments | 1,715 | 1,684 | +1.8% |
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| Corporate Non Segment | 1,478 | 1,144 | +29.2% |
| Operating Segments | 6,608 | 6,481 | +2.0% |
| Other Assets | |||
| Other Investments | 838 | 740 | +13.2% |
| Investments | 32,001 | 28,481 | +12.4% |
| Accrued Investment Income Receivable | 247 | 224 | +10.3% |
| Notes Receivable Net | 142 | 122 | +16.4% |
| Premiums Receivable At Carrying Value | 3,321 | 3,163 | +5.0% |
| Reinsurance Recoverable | 627 | 808 | -22.4% |
| Prepaid Reinsurance Premiums | 95 | 93 | +2.2% |
| Deferred Policy Acquisition Costs | 1,384 | 1,297 | +6.7% |
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| Deferred Fixed Annuity | 8 | 8 | 0.0% |
| Term Life Insurance | 260 | 248 | +4.8% |
| Universal Life | 49 | 51 | -3.9% |
| Whole Life Insurance | 56 | 53 | +5.7% |
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| Consolidated Property And Casualty Insurance | 1,011 | 937 | +7.9% |
| Life Insurance Segment | 373 | 360 | +3.6% |
| Other Assets | 982 | 903 | +8.7% |
| Separate Account Assets | 988 | 959 | +3.0% |
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| Fair Value Inputs Level1 · Taxable Fixed Maturities [Member] | 64 | — | — |
| Fair Value Inputs Level2 · Taxable Fixed Maturities [Member] | 890 | 895 | -0.6% |
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| Taxable Fixed Maturities [Member] | 954 | 895 | +6.6% |
| Non-Current Liabilities | |||
| Total Liabilities | 25,497 | 23,558 | +8.2% |
| Long-Term Debt | 791 | 790 | +0.1% |
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| Senior Debentures 6.900% Due 2028 | 27 | 27 | 0.0% |
| Senior Debentures 6.920% Due 2028 | 391 | 391 | 0.0% |
| Senior Notes 6.125% Due 2034 | 373 | 372 | +0.3% |
| Other Liabilities | |||
| Available For Sale Securities Debt Securities | 18,545 | 16,523 | +12.2% |
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| Fair Value Inputs Level1 | 331 | 216 | +53.2% |
| Fair Value Inputs Level1 · US Government Agencies Debt Securities | 331 | 216 | +53.2% |
| Fair Value Inputs Level2 | 18,214 | 16,307 | +11.7% |
| Fair Value Inputs Level2 · Commercial Mortgage Backed Securities | 766 | 645 | +18.8% |
| Fair Value Inputs Level2 · Corporate Bond Securities | 10,035 | 8,633 | +16.2% |
| Fair Value Inputs Level2 · Foreign Government Debt Securities | 28 | 27 | +3.7% |
| Fair Value Inputs Level2 · US Government Sponsored Enterprises Debt Securities | 2,511 | 2,310 | +8.7% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 4,874 | 4,692 | +3.9% |
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| Commercial Mortgage Backed Securities | 766 | 645 | +18.8% |
| Corporate Bond Securities | 10,035 | 8,633 | +16.2% |
| Foreign Government Debt Securities | 28 | 27 | +3.7% |
| US Government Agencies Debt Securities | 331 | 216 | +53.2% |
| US Government Sponsored Enterprises Debt Securities | 2,511 | 2,310 | +8.7% |
| US States And Political Subdivisions | 4,874 | 4,692 | +3.9% |
| Liability For Claims And Claims Adjustment Expense | 11,959 | 10,780 | +10.9% |
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| Property Liability And Casualty Insurance Segment | 11,884 | 10,707 | +11.0% |
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| Life Insurance Segment | 75 | 73 | +2.7% |
| Liability For Future Policy Benefits | 2,965 | 2,968 | -0.1% |
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| Deferred Fixed Annuity · Investment contract reserves: | 546 | 582 | -6.2% |
| Other Longduration Insurance Product Line · Investment contract reserves: | 109 | 108 | +0.9% |
| Other Longduration Insurance Product Line · Life policy reserves: | 102 | 99 | +3.0% |
| Structured Settlement Annuity · Investment contract reserves: | 110 | 116 | -5.2% |
| Term Life Insurance · Life policy reserves: | 1,088 | 1,064 | +2.3% |
| Universal Life · Investment contract reserves: | 590 | 587 | +0.5% |
| Whole Life Insurance · Life policy reserves: | 420 | 412 | +1.9% |
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| Investment contract reserves: | 1,355 | 1,393 | -2.7% |
| Life policy reserves: | 1,610 | 1,575 | +2.2% |
| Unearned Premiums | 5,424 | 5,068 | +7.0% |
| Other Liabilities | 1,567 | 1,416 | +10.7% |
| Deferred Income Tax Liabilities | 1,710 | 1,489 | +14.8% |
| Notes Payable | 25 | 25 | 0.0% |
| Long Term Debt And Capital Lease Obligations | 859 | 853 | +0.7% |
| Separate Accounts Liability | 988 | 959 | +3.0% |
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| Universal Life | 988 | 959 | +3.0% |
| Stockholders' Equity | |||
| Common Stock | 397 | 397 | 0.0% |
| Additional Paid In Capital Common Stock | 1,561 | 1,511 | +3.3% |
| Retained Earnings | 16,848 | 14,644 | +15.1% |
| Accumulated Other Comprehensive Income | -185 | -271 | +31.7% |
| Treasury Stock Value | -2,907 | -2,563 | -13.4% |
| Total Stockholders' Equity | 15,714 | 13,718 | +14.6% |
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| Accumulated Defined Benefit Plans Adjustment | 65 | 57 | +14.0% |
| Accumulated Net Unrealized Investment Gain Loss | -315 | -381 | +17.3% |
| Accumulated Other Comprehensive Income | -185 | -271 | +31.7% |
| Additional Paid In Capital | 1,561 | 1,511 | +3.3% |
| AOCI on Life Policy Reserves, Reinsurance Recoverable And Other | 65 | 53 | +22.6% |
| Common Stock | 397 | 397 | 0.0% |
| Retained Earnings | 16,848 | 14,644 | +15.1% |
| Treasury Stock Common | -2,907 | -2,563 | -13.4% |
| Total Liabilities & Equity | 41,211 | 37,276 | +10.6% |
Cash Flow Statement
| Metric | YTD Q1 2026 | YTD Q1 2025 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation Amortization And Other | 40 | 47 | -14.9% |
| Gain Loss On Sale Of Investments | 75 | 74 | +1.4% |
| Interest Credited To Policy Owner Account | 11 | 11 | 0.0% |
| Increase Decreasein Premiumsand Reinsurancereceivable | -175 | -502 | +65.1% |
| Increase Decrease In Deferred Policy Acquisition Costs | -40 | -55 | +27.3% |
| Increase Decrease In Other Operating Assets | -13 | -22 | +40.9% |
| Increase Decrease In Liability For Claims And Claims Adjustment Expense Reserve | 452 | 777 | -41.8% |
| Increase Decrease In Future Policy Benefit Reserves | 18 | 5 | +260.0% |
| Increase Decrease In Unearned Premiums | 170 | 255 | -33.3% |
| Increase Decrease In Other Operating Liabilities | -187 | -135 | -38.5% |
| Increase Decrease In Deferred Income Taxes | 113 | -59 | +291.5% |
| Net Cash from Operations | 656 | 310 | +111.6% |
| Investing Activities | |||
| Proceeds From Sale Of Available For Sale Securities Debt | 1,005 | 497 | +102.2% |
| Proceeds From Sale Of Equity Securities Fv Ni | 454 | 17 | +2570.6% |
| Purchases of Investments | -1,629 | -717 | -127.2% |
| Payments To Acquire Equity Securities Fv Ni | -400 | -22 | -1718.2% |
| Change In Short Term Investments | 101 | 200 | -49.5% |
| Payments To Acquire Proceeds From Sale And Collection Of Finance Receivables | 3 | -3 | +200.0% |
| Capital Expenditures | -2 | -3 | +33.3% |
| Other Investing Activities | -25 | -27 | +7.4% |
| Net Cash from Investing | -493 | -58 | -750.0% |
| Capital Lease Obligations Incurred | 3 | 8 | -62.5% |
| Purchase Of Treasury Shares Non Cash | 27 | 13 | +107.7% |
| Liabilities Assumed1 | 38 | 100 | -62.0% |
| Financing Activities | |||
| Payments Of Dividends Common Stock | -133 | -125 | -6.4% |
| Share Repurchases | -179 | -42 | -326.2% |
| Proceeds From Stock Options Exercised | 5 | 4 | +25.0% |
| Additions To Contract Holders Funds | 16 | 14 | +14.3% |
| Withdrawal From Contract Holders Funds | -39 | -40 | +2.5% |
| Proceeds From Payments For Other Financing Activities | -54 | -36 | -50.0% |
| Net Cash from Financing | -384 | -225 | -70.7% |
| Supplemental | |||
| Income Taxes Paid | 4 | 2 | +100.0% |
| Other Cash Flow | |||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect | -221 | 27 | -918.5% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 1,210 | 1,010 | +19.8% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.