Here are the 10-Q quarterly reports from Cincinnati Financial Corp (CINF) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CINF and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CINF filings page.
Cincinnati Financial Corporation (CINF) reported third-quarter 2026 revenue of $3.047 billion, down from $3.726 billion a year earlier, and net income of $459 million, compared with $1.122 billion. Net investment gains and losses were $20 million, versus $853 million. The company said lower investment gains reduced revenue, partly offset by higher earned premiums and investment income. Catastrophe losses, mostly weather-related, were $146 million higher after taxes and contributed unfavorably to net income and property-casualty underwriting profit.
For the first nine months, revenue was $10.184 billion versus $9.540 billion, and net income was $1.988 billion versus $1.717 billion. Property-casualty underwriting profit was $337 million, compared with $123 million; the GAAP combined ratio was 95.8%, versus 98.4%. In January 2026, the board increased the regular quarterly dividend to $0.94 per share; dividends declared for the nine-month period increased 8% year over year.
Cincinnati Financial Corporation reported strong results for the quarter and six months ended June 30, 2026. Total revenues rose to $4,274 million for the quarter and $7,137 million year-to-date, increases of 32% and 23%, driven by higher earned premiums, investment income and net investment gains.
Net income grew to $1,255 million for the quarter (up 83%) and $1,529 million for the first six months (up 157%). Diluted EPS reached $8.05 for the quarter and $9.78 year-to-date. Property‑casualty underwriting produced a small quarterly loss with a combined ratio of 100.8%, but a year‑to‑date underwriting profit and combined ratio of 98.2%, helped by lower catastrophe losses versus 2025. Investment results were very strong, with net investment gains of $1,308 million in the quarter and $1,238 million year‑to‑date, and pretax investment income up 13% for the first half.
Book value per share increased to $108.64 from $102.35 at year‑end 2025, and the value creation ratio reached 8.0% for the first six months. The company generated $1,356 million of operating cash flow, maintained a low debt‑to‑total‑capital ratio of 4.6%, increased the dividend 8%, and continued share repurchases.
Cincinnati Financial Corporation reported a sharp turnaround for the first quarter of 2026. Earned premiums rose to $2.604 billion from $2.344 billion and total revenues reached $2.863 billion. Net income swung to a profit of $274 million, or $1.75 diluted EPS, compared with a $90 million loss, helped by higher investment income of $318 million and much lower catastrophe losses.
The consolidated property casualty combined ratio improved to 95.6% from 113.3%, as catastrophe losses fell to $272 million from $567 million and underlying loss trends benefited from pricing actions. Book value per share slipped slightly to $101.60, but the value creation ratio improved to 0.2% from negative 0.5%. The quarterly dividend increased to $0.94 per share, up 8% year over year.
Cincinnati Financial (CINF) filed its Q3 2025 10‑Q, reporting stronger results. Total revenues were $3,726 million versus $3,320 million a year ago. Net income rose to $1,122 million from $820 million, with diluted EPS of $7.11 versus $5.20. Growth was supported by earned premiums of $2,567 million (from $2,297 million), higher net investment income of $295 million (from $258 million), and net investment gains of $853 million (from $758 million).
Insurance losses and contract holders’ benefits were $1,540 million (from $1,578 million), and underwriting, acquisition and insurance expenses were $754 million (from $683 million). The company recorded favorable prior‑year reserve development of $22 million in the quarter and $176 million year‑to‑date. Investments totaled $31.099 billion and shareholders’ equity was $15.406 billion at September 30, 2025. Year‑to‑date operating cash flow was $2,165 million. The quarterly dividend declared was $0.87 per share. Shares outstanding were 156,018,513 as of October 22, 2025.