Filing Flows › Cincinnati Financial (CINF) › Q3 2025
Cincinnati Financial (CINF) Q3 2025 earnings results (third quarter 2025)
10-Q filed Oct 27, 2025
Cincinnati Financial (CINF) reported revenue of $3.7B for the third quarter 2025 (Q3 2025), +12% from a year earlier and +15% from the quarter before. Operating margin was 37.9%, net earnings $1.1B (30.1% of revenue).
Cincinnati Financial, Q3 2025: revenue $3.7B (+12% year over year), operating margin 37.9%, net earnings $1.1B, operating cash flow $1.1B. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.7B | +15% | +12% |
| Operating profit | $1.4B | +65% | +36% |
| Net earnings | $1.1B | +64% | +37% |
| Operating cash flow | $1.1B | +50% | +22% |
| Free cash flow | $1.1B | +50% | +22% |
What changed
Revenue was $3.7B in Q3 2025, up 12% year over year and up 15% from the previous quarter.
Operating profit was $1.4B, a 37.9% margin (up 6.6 points year over year). Of the extra revenue versus a year earlier, 92% reached operating profit, above the 31% margin then. Total costs grew 1% against revenue growth of 12%. Net earnings were $1.1B, up 37% year over year. The effective tax rate was 20.6%.
Operating cash flow was $1.1B (up 22% year over year), 99% of net earnings. Capital expenditures of $0.01B left free cash flow of $1.1B.
Questions
What was Cincinnati Financial's revenue in the third quarter 2025?
Cincinnati Financial (CINF) reported revenue of $3.7B for the third quarter 2025 (Q3 2025), +12% from a year earlier and +15% from the quarter before.
Was Cincinnati Financial profitable in the third quarter 2025?
Operating profit was $1.4B (37.9% of revenue) and net earnings $1.1B.