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Cincinnati Financial Earnings Calls
| Release date | Apr 27, 2026 |
| EPS estimate | $1.93 |
| EPS actual | $2.10 |
| EPS Surprise | 8.81% |
| Revenue estimate | 2.607B |
| Revenue actual | 2.604B |
| Revenue Surprise | -0.126% |
| Release date | Feb 09, 2026 |
| EPS estimate | $2.90 |
| EPS actual | $3.37 |
| EPS Surprise | 16.21% |
| Revenue estimate | 2.553B |
| Revenue actual | 2.592B |
| Revenue Surprise | 1.54% |
| Release date | Oct 27, 2025 |
| EPS estimate | $2.14 |
| EPS actual | $2.85 |
| EPS Surprise | 33.18% |
| Revenue estimate | 2.551B |
| Revenue actual | 3.726B |
| Revenue Surprise | 46.04% |
| Release date | Jul 28, 2025 |
| EPS estimate | $1.41 |
| EPS actual | $1.97 |
| EPS Surprise | 39.72% |
| Revenue estimate | 2.528B |
| Revenue actual | 3.248B |
| Revenue Surprise | 28.46% |
Last 4 Quarters for Cincinnati Financial
Below you can see how CINF performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 28, 2025 |
| Price on release | $147.10 |
| EPS estimate | $1.41 |
| EPS actual | $1.97 |
| EPS surprise | 39.72% |
| Date | Price |
|---|---|
| Jul 22, 2025 | $151.00 |
| Jul 23, 2025 | $150.92 |
| Jul 24, 2025 | $147.87 |
| Jul 25, 2025 | $149.40 |
| Jul 28, 2025 | $147.10 |
| Jul 29, 2025 | $152.42 |
| Jul 30, 2025 | $149.51 |
| Jul 31, 2025 | $147.51 |
| Aug 01, 2025 | $146.19 |
| 4 days before | -2.58% |
| 4 days after | -0.619% |
| On release day | 3.62% |
| Change in period | -3.19% |
| Release date | Oct 27, 2025 |
| Price on release | $157.64 |
| EPS estimate | $2.14 |
| EPS actual | $2.85 |
| EPS surprise | 33.18% |
| Date | Price |
|---|---|
| Oct 21, 2025 | $156.29 |
| Oct 22, 2025 | $155.47 |
| Oct 23, 2025 | $155.72 |
| Oct 24, 2025 | $156.67 |
| Oct 27, 2025 | $157.64 |
| Oct 28, 2025 | $151.75 |
| Oct 29, 2025 | $151.83 |
| Oct 30, 2025 | $154.36 |
| Oct 31, 2025 | $154.59 |
| 4 days before | 0.86% |
| 4 days after | -1.93% |
| On release day | -3.74% |
| Change in period | -1.09% |
| Release date | Feb 09, 2026 |
| Price on release | $168.70 |
| EPS estimate | $2.90 |
| EPS actual | $3.37 |
| EPS surprise | 16.21% |
| Date | Price |
|---|---|
| Feb 03, 2026 | $163.84 |
| Feb 04, 2026 | $168.95 |
| Feb 05, 2026 | $171.50 |
| Feb 06, 2026 | $172.65 |
| Feb 09, 2026 | $168.70 |
| Feb 10, 2026 | $163.09 |
| Feb 11, 2026 | $163.46 |
| Feb 12, 2026 | $165.11 |
| Feb 13, 2026 | $162.77 |
| 4 days before | 2.97% |
| 4 days after | -3.52% |
| On release day | -3.33% |
| Change in period | -0.653% |
| Release date | Apr 27, 2026 |
| Price on release | $165.64 |
| EPS estimate | $1.93 |
| EPS actual | $2.10 |
| EPS surprise | 8.81% |
| Date | Price |
|---|---|
| Apr 21, 2026 | $166.46 |
| Apr 22, 2026 | $166.27 |
| Apr 23, 2026 | $168.18 |
| Apr 24, 2026 | $164.48 |
| Apr 27, 2026 | $165.64 |
| Apr 28, 2026 | $164.96 |
| Apr 29, 2026 | $163.22 |
| Apr 30, 2026 | $163.60 |
| May 01, 2026 | $162.05 |
| 4 days before | -0.493% |
| 4 days after | -2.17% |
| On release day | -0.411% |
| Change in period | -2.65% |
Cincinnati Financial Earnings Call Transcript Summary of Q1 2026
Cincinnati Financial delivered a strong first quarter 2026: net income of $274 million and non-GAAP operating income of $330 million. Property & casualty combined ratio improved materially to 95.6% (17.7 points better YoY), driven by a 14.2-point reduction in catastrophe losses and an 87.5% accident-year combined ratio before catastrophes. Consolidated P&C net written premiums grew 7% (personal lines +15%, commercial +3%, excess & surplus +8%), with continued emphasis on policy-by-policy pricing and segmentation. Investment income rose 14% (bond interest +12%), but quarter-to-date valuation changes produced aggregate unrealized losses (equity and bond valuation losses before tax were reported). Cash flow from operations doubled to $656 million. Loss reserve additions totaled $466 million with $81 million of favorable prior-year development (mostly 2025). Capital: $133 million in dividends, ~1.1 million shares repurchased ($165 avg), parent cash & marketable securities of $5.6 billion, debt-to-capital <10%, book value $101.60/share. AM Best affirmed A+ rating. Management highlighted ongoing prudence around social inflation/legal system risk, selective growth given competitive pressures, and continued focus on agent relationships and underwriting discipline.
