Filing Flows › Cincinnati Financial (CINF) › Q4 2025
Cincinnati Financial (CINF) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 23, 2026
Cincinnati Financial (CINF) reported revenue of $3.1B for the fourth quarter 2025 (Q4 2025), +22% from a year earlier and -17% from the quarter before. Operating margin was 27.2%, net earnings $676M (21.9% of revenue).
Cincinnati Financial, Q4 2025: revenue $3.1B (+22% year over year), operating margin 27.2%, net earnings $676M, operating cash flow $947M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.1B | -17% | +22% |
| Operating profit | $840M | -41% | +75% |
| Net earnings | $676M | -40% | +67% |
| Operating cash flow | $947M | -15% | +48% |
| Free cash flow | $939M | -15% | +47% |
What changed
Revenue was $3.1B in Q4 2025, up 22% year over year and down 17% from the previous quarter.
Operating profit was $0.84B, a 27.2% margin (up 8.3 points year over year). Of the extra revenue versus a year earlier, 65% reached operating profit, above the 19% margin then. Total costs grew 9% against revenue growth of 22%. Net earnings were $0.68B, up 67% year over year. The effective tax rate was 19.5%.
Operating cash flow was $0.95B (up 48% year over year), 140% of net earnings. Working capital and other items added $0.27B. Capital expenditures of $0.01B left free cash flow of $0.94B.
Questions
What was Cincinnati Financial's revenue in the fourth quarter 2025?
Cincinnati Financial (CINF) reported revenue of $3.1B for the fourth quarter 2025 (Q4 2025), +22% from a year earlier and -17% from the quarter before.
Was Cincinnati Financial profitable in the fourth quarter 2025?
Operating profit was $840M (27.2% of revenue) and net earnings $676M.