Filing Flows › Cincinnati Financial (CINF) › Q3 2026
Cincinnati Financial (CINF) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 26, 2026
Cincinnati Financial (CINF) reported revenue of $3.0B for the third quarter 2026 (Q3 2026), -18% from a year earlier and -29% from the quarter before. Operating margin was 18.1%, net earnings $459M (15.1% of revenue).
Cincinnati Financial, Q3 2026: revenue $3.0B (-18% year over year), operating margin 18.1%, net earnings $459M, operating cash flow $791M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.0B | -29% | -18% |
| Operating profit | $553M | -65% | -61% |
| Net earnings | $459M | -63% | -59% |
| Operating cash flow | $791M | +13% | -29% |
| Free cash flow | $787M | +13% | -29% |
What changed
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.
Questions
What was Cincinnati Financial's revenue in the third quarter 2026?
Cincinnati Financial (CINF) reported revenue of $3.0B for the third quarter 2026 (Q3 2026), -18% from a year earlier and -29% from the quarter before.
Was Cincinnati Financial profitable in the third quarter 2026?
Operating profit was $553M (18.1% of revenue) and net earnings $459M.