Cincinnati Financial Corporation (CINF) quarterly income statement — complete revenue, gross profit & net income history
Cincinnati Financial Corporation (CINF) annual income statement — 30-year revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Revenue | 3.05B | 4.27B | 2.86B | 3.09B | 3.73B | 3.25B | 2.57B | 2.54B | 3.32B | 2.54B | 2.94B | 3.36B | 1.81B | 2.6B | 2.24B | 3.11B | 1.41B | 820M | 1.22B | 3.32B |
| Revenue Growth % | -18.22% | 31.59% | 11.57% | 21.79% | 12.23% | 27.67% | -12.57% | -24.37% | 83.32% | -2.34% | 30.97% | 7.77% | 28.44% | 217.68% | 83.99% | -6.29% | -21.01% | -64.27% | -45.31% | 23.35% |
| Medical Costs & Claims | 1.68B | 1.89B | 1.75B | 1.47B | 1.54B | 1.66B | 1.97B | 1.33B | 1.58B | 1.48B | 1.35B | 1.2B | 1.33B | 1.34B | 1.4B | 1.25B | 1.42B | 1.32B | 1.03B | 946M |
| Medical Cost Ratio % | 54.97% | 44.15% | 61.16% | 47.62% | 41.33% | 51.11% | 76.7% | 52.4% | 47.53% | 58.18% | 45.96% | 35.88% | 73.55% | 51.44% | 62.38% | 40.01% | 100.57% | 161.22% | 84.73% | 28.47% |
| Gross Profit | 1.37B | 2.38B | 1.11B | 1.62B | 2.19B | 1.59B | 598M | 1.21B | 1.74B | 1.06B | 1.59B | 2.15B | 479M | 1.26B | 843M | 1.87B | -8M | -502M | 186M | 2.38B |
| Gross Margin % | 45.03% | 55.69% | 38.84% | 52.38% | 58.67% | 48.89% | 23.3% | 47.6% | 52.47% | 41.82% | 54.04% | 64.12% | 26.45% | 48.56% | 37.62% | 59.99% | -0.57% | -61.22% | 15.27% | 71.53% |
| Gross Profit Growth % | -37.24% | 49.87% | 85.95% | 34.02% | 25.49% | 49.25% | -62.3% | -43.87% | 263.67% | -15.89% | 88.14% | 15.2% | 6087.5% | 351.99% | 353.23% | -21.41% | -101.12% | -136.38% | -84.8% | 32.65% |
| Operating Expenses | 807M | 811M | 786M | 779M | 773M | 733M | 726M | 729M | 702M | 678M | 633M | 662M | 627M | 599M | 575M | 581M | 569M | 551M | 537M | 531M |
| OpEx / Revenue % | 26.49% | 18.98% | 27.45% | 25.2% | 20.75% | 22.57% | 28.29% | 28.72% | 21.14% | 26.65% | 21.57% | 19.73% | 34.62% | 22.99% | 25.66% | 18.66% | 40.35% | 67.2% | 44.09% | 15.98% |
| Depreciation & Amortization | 37M | 42M | 40M | 42M | 33M | 46M | 47M | 15M | 39M | 42M | 34M | 24M | 14M | 34M | 40M | 46M | 24M | 41M | 37M | 24M |
| Combined Ratio % | 81.46% | 63.13% | 88.61% | 72.82% | 62.08% | 73.68% | 104.99% | 81.13% | 68.67% | 84.83% | 67.53% | 55.6% | 108.17% | 74.43% | 88.04% | 58.67% | 140.92% | 228.41% | 128.82% | 44.45% |
| Operating Income | 565M | 1.58B | 326M | 840M | 1.41B | 855M | -128M | 479M | 1.04B | 386M | 953M | 1.49B | -148M | 666M | 268M | 1.29B | -577M | -1.05B | -351M | 1.85B |
| Operating Margin % | 18.54% | 36.87% | 11.39% | 27.18% | 37.92% | 26.32% | -4.99% | 18.87% | 31.33% | 15.17% | 32.47% | 44.4% | -8.17% | 25.57% | 11.96% | 41.33% | -40.92% | -128.41% | -28.82% | 55.55% |
| Operating Income Growth % | -60.01% | 84.33% | 354.69% | 75.37% | 35.87% | 121.5% | -113.43% | -67.85% | 802.7% | -42.04% | 255.6% | 15.77% | 74.35% | 163.25% | 176.35% | -30.28% | -413.59% | -220.76% | -145.7% | 40.27% |
| EBITDA | 602M | 1.62B | 366M | 882M | 1.45B | 901M | -81M | 494M | 1.08B | 428M | 987M | 1.51B | -134M | 700M | 308M | 1.33B | -553M | -1.01B | -314M | 1.87B |
| EBITDA Margin % | 19.76% | 37.86% | 12.78% | 28.53% | 38.81% | 27.74% | -3.16% | 19.46% | 32.5% | 16.82% | 33.63% | 45.11% | -7.4% | 26.87% | 13.74% | 42.81% | -39.22% | -123.41% | -25.78% | 56.27% |
| Interest Expense | 12M | 14M | 13M | 13M | 13M | 14M | 13M | 13M | 13M | 14M | 13M | 14M | 13M | 13M | 14M | 13M | 14M | 13M | 13M | 14M |
| Non-Operating Income | 0 | -14M | -13M | -13M | -13M | -14M | -13M | -13M | -13M | -14M | -13M | -14M | -13M | -13M | -14M | -13M | -14M | -13M | -13M | -14M |
| Pretax Income | 553M | 1.58B | 326M | 840M | 1.41B | 855M | -128M | 479M | 1.04B | 386M | 953M | 1.49B | -148M | 666M | 268M | 1.29B | -577M | -1.05B | -351M | 1.85B |
| Pretax Margin % | 18.15% | 36.87% | 11.39% | 27.18% | 37.92% | 26.32% | -4.99% | 18.87% | 31.33% | 15.17% | 32.47% | 44.4% | -8.17% | 25.57% | 11.96% | 41.33% | -40.92% | -128.41% | -28.82% | 55.55% |
| Income Tax | 94M | 321M | 52M | 164M | 291M | 170M | -38M | 74M | 220M | 74M | 198M | 307M | -49M | 132M | 43M | 274M | -161M | -235M | -85M | 376M |
| Effective Tax Rate % | 17% | 20.37% | 15.95% | 19.52% | 20.59% | 19.88% | 29.69% | 15.45% | 21.15% | 19.17% | 20.78% | 20.6% | 33.11% | 19.82% | 16.04% | 21.29% | 27.9% | 22.32% | 24.22% | 20.37% |
| Net Income | 459M | 1.25B | 274M | 676M | 1.12B | 685M | -90M | 405M | 820M | 312M | 755M | 1.18B | -99M | 534M | 225M | 1.01B | -416M | -818M | -266M | 1.47B |
| Net Margin % | 15.06% | 29.36% | 9.57% | 21.87% | 30.11% | 21.09% | -3.51% | 15.96% | 24.7% | 12.26% | 25.72% | 35.25% | -5.47% | 20.5% | 10.04% | 32.53% | -29.5% | -99.76% | -21.84% | 44.24% |
| Net Income Growth % | -59.09% | 83.21% | 404.44% | 66.91% | 36.83% | 119.55% | -111.92% | -65.77% | 928.28% | -41.57% | 235.56% | 16.78% | 76.2% | 165.28% | 184.59% | -31.09% | -371.9% | -216.36% | -142.9% | 40.13% |
| EPS (Diluted) | 2.96 | 8.05 | 1.75 | 4.30 | 7.11 | 4.34 | -0.58 | 2.57 | 5.20 | 1.98 | 4.78 | 7.50 | -0.63 | 3.38 | 1.42 | 6.40 | -2.63 | -5.13 | -1.70 | 9.04 |
| EPS Growth % | -58.37% | 85.48% | 401.72% | 67.32% | 36.73% | 119.19% | -112.13% | -65.73% | 925.4% | -41.42% | 236.62% | 17.19% | 76.05% | 165.89% | 183.53% | -29.2% | -379.79% | -219.03% | -144.5% | 39.72% |
| EPS (Basic) | 2.99 | 8.14 | 1.77 | 4.19 | 7.18 | 4.38 | -0.58 | 2.59 | 5.25 | 2.00 | 4.82 | 7.54 | -0.63 | 3.40 | 1.43 | 6.45 | -2.63 | -5.13 | -1.70 | 9.14 |
| Diluted Shares Outstanding | 155.1M | 155.9M | 156.57M | 157.75M | 157.8M | 157.8M | 156.4M | 157.7M | 157.7M | 157.5M | 157.9M | 157.8M | 156.9M | 158M | 158.5M | 158.2M | 158M | 159.6M | 160.4M | 162.5M |