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Cincinnati Financial (CINF) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 26, 2026 · Cincinnati Financial (CINF) Q3 2026 earnings results →
Q3 2026 Revenue down 18% year over year to $3.0B · 15¢ of every $1 of revenue kept as net profit · operating margin 18.1%
Cincinnati Financial made $3.0B in Q3 2026 (-18% Y/Y). Operating margin 18.1%, net earnings $459M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 26, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $3.0B in Q3 2026, down 18% year over year and down 29% from the previous quarter.
Operating profit was $0.55B, a 18.1% margin (down 19.8 points year over year). Total costs grew 8% against a revenue fall of 18%. Net earnings were $0.46B, down 59% year over year. The effective tax rate was 17.0%.
Operating cash flow was $0.79B (down 29% year over year), 172% of net earnings. Working capital and other items added $0.33B. Capital expenditures of $4.0M left free cash flow of $0.79B.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 26, 2026 | $3.0B | -18% | 18.1% | $459M | $791M |
| Q2 2026 | 10-Q | Jul 27, 2026 | $4.3B | +32% | 36.9% | $1.3B | $700M |
| Q1 2026 | 10-Q | Apr 27, 2026 | $2.9B | +12% | 11.4% | $274M | $656M |
| Q4 2025 | 10-K | Feb 23, 2026 | $3.1B | +22% | 27.2% | $676M | $947M |
| Q3 2025 | 10-Q | Oct 27, 2025 | $3.7B | +12% | 37.9% | $1.1B | $1.1B |
| Q2 2025 | 10-Q | Jul 28, 2025 | $3.2B | +28% | 26.3% | $685M | $741M |
| Q1 2025 | 10-Q | Apr 28, 2025 | $2.6B | -13% | -5.0% | −$90.0M | $310M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Cincinnati Financial
Cincinnati Financial Corporation offers primarily business, home and auto insurance through The Cincinnati Insurance Company and its two standard market property casualty companies. The same local independent insurance agencies that market those policies may offer products of our other subsidiaries, including life insurance, fixed annuities and surplus lines property and casualty insurance. For additional information about the company, please visit cinfin.com .
In its own words, from its 8-K, filed Jul 27, 2026.
Cincinnati Financial against its Fire, Marine & Casualty Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -18% against the peers' median +2%. Operating margin: 18.1% against the peers' median 15.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CINF Cincinnati Financial | Q3 2026 | $3.0B | -18% | 18.1% |
| BRK-B Berkshire Hathaway | Q2 2026 | $101.8B | +10% | 15.5% |
| PGR Progressive | Q3 2026 | $23.2B | +3% | 14.0% |
| ALL Allstate | Q3 2026 | $17.3B | +0.5% | 15.1% |
| CB Chubb | Q3 2026 | $16.2B | +0.3% | 21.0% |
| TRV Travelers Companies | Q3 2026 | $12.4B | -0.5% | 19.1% |
| AIG American International Group | Q3 2026 | $7.4B | +17% | 15.0% |
| HIG Hartford Insurance Group | Q3 2026 | $7.2B | +4% | 21.9% |
| L Loews | Q3 2026 | $4.8B | +2% | 8.5% |
Source: Cincinnati Financial 10-Q on SEC EDGAR · CIK 20286 · Fire, Marine & Casualty Insurance
13F: who owns CINF and who is buying
More on CINF
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results