Filing Flows › Cincinnati Financial (CINF) › Q3 2026 › vs Q3 2025
Cincinnati Financial (CINF) Q3 2026 vs Q3 2025 (year over year)
Cincinnati Financial's revenue fell $679M (-18%) from $3.7B in Q3 2025 to $3.0B in Q3 2026. Operating margin 18.1% against 37.9% (-19.8 pts).
Cincinnati Financial, Q3 2026: revenue $3.0B (-18% year over year), operating margin 18.1%, net earnings $459M, operating cash flow $791M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 18.1% | 37.9% | -19.8 pts |
| Net margin | 15.1% | 30.1% | -15.0 pts |
| Free cash flow margin | 25.8% | 29.8% | -3.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $3.0B | $3.7B | −$679M | -18% |
| Operating profit | $553M | $1.4B | −$860M | -61% |
| Costs & expenses | $2.5B | $2.3B | $181M | +8% |
| Pre-tax earnings | $553M | $1.4B | −$860M | -61% |
| Net earnings | $459M | $1.1B | −$663M | -59% |
| Income tax | $94.0M | $291M | −$197M | -68% |
| Working capital & other | $332M | −$8.0M | $340M | — |
| Operating cash flow | $791M | $1.1B | −$323M | -29% |
| Free cash flow (OCF − capex) | $787M | $1.1B | −$322M | -29% |
| Capital expenditures | $4.0M | $5.0M | −$1.0M | -20% |
Questions
How much did Cincinnati Financial's revenue grow year over year in Q3 2026?
Cincinnati Financial's revenue fell $679M (-18%) from $3.7B in Q3 2025 to $3.0B in Q3 2026. Operating margin 18.1% against 37.9% (-19.8 pts).