Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
AI Takeaway
CINF delivered a strong Q1 FY2026 turnaround with revenue rising 11.6% YoY to $2.86B and net income swinging to $274M from a prior-year loss of $90M, driven by robust operating cash flow growth of 111.6%.
Revenue
$2.86B
+11.57% YoY
EPS (Diluted)
$1.75
+407.02% YoY
Source: SEC XBRL
Cincinnati Financial (CINF) reported Q1 FY2026 revenue of $2.86B, up 11.6% year over year. Operating cash flow was $656M, up 111.6% year over year. CINF's fiscal Q1 FY2026 corresponds to calendar Q1 2026.
Last 4 quarters: 3 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 1.43 | 1.88 | Miss -23.9% |
| Mar 2026This filing | 2.10 | 1.99 | Beat +5.7% |
| Dec 2025 | 3.37 | 2.95 | Beat +14.3% |
| Sep 2025 | 2.85 | 2.10 | Beat +35.7% |
Adjusted (non-GAAP) EPS of $2.10 versus the $1.99 analyst consensus — a +5.7% beat for Mar 2026. Analyst consensus is quoted on the adjusted (non-GAAP) basis the street uses. GAAP diluted EPS for this quarter was $1.75.
Compiled by AI from this SEC filing
Total revenue increased 11.6% YoY to $2.863B in Q1 FY2026 from $2.566B in Q1 FY2025, reflecting strong premium growth and investment income contributions typical of a diversified property-casualty insurer.
Source: 10-Q Income Statement
Net income swung from a loss of $90M in Q1 FY2025 to a gain of $274M in Q1 FY2026, a YoY improvement of over $364M, likely driven by favorable underwriting results and investment portfolio gains.
Source: 10-Q Income Statement
Operating cash flow more than doubled, rising 111.6% YoY to $656M from $310M, indicating significantly improved cash generation from core insurance operations.
Source: 10-Q Cash Flow Statement
Total assets grew 10.6% YoY to $41.2B, while stockholders' equity increased 14.6% to $15.7B, reflecting retained earnings growth and unrealized investment gains strengthening the capital base.
Source: 10-Q Balance Sheet
Share buybacks increased 326.2% YoY to $179M in Q1 FY2026 from $42M in Q1 FY2025, signaling management's confidence in the company's financial position and commitment to returning capital.
Source: 10-Q Cash Flow Statement
Compiled by AI from this SEC filing · 2 high, 2 medium, 1 low
CINF holds a large investment portfolio relative to its equity base, and the prior-year net loss of $90M likely reflected unrealized or realized investment losses. A reversal in equity or fixed income markets could again pressure net income significantly, as investment gains/losses flow through the income statement.
Source: 10-Q Income Statement & Balance Sheet
The debt-to-equity ratio stands at approximately 1.62x, indicating meaningful financial leverage. While long-term debt of $791M is relatively stable, the overall liabilities of $25.5B against equity of $15.7B reflects the capital-intensive nature of insurance operations and limits financial flexibility.
Source: 10-Q Balance Sheet
Investing cash flow deteriorated sharply to -$493M from -$58M in the prior year, a 750% increase in outflows. This may reflect large portfolio repositioning or capital expenditures, which could reduce liquidity if not offset by operating cash generation.
Source: 10-Q Cash Flow Statement
As a property-casualty insurer, CINF is inherently exposed to large catastrophe events that can cause sudden and severe claims spikes. A single large catastrophe quarter could reverse the current profitability trend and compress underwriting margins materially.
Source: 10-Q Income Statement
Financing cash outflows increased 70.7% YoY to -$384M, driven in part by the surge in share buybacks. Sustained aggressive capital returns while maintaining dividend obligations could strain liquidity if operating cash flow normalizes downward.
Source: 10-Q Cash Flow Statement
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue $B | 2.86 $B | 2.57 $B | +11.57% |
Net Income $M | 274.00 $M | -90.00 $M | +404.44% |
EPS (Basic) $ | 1.77 $ | -0.57 $ | +410.53% |
EPS (Diluted) $ | 1.75 $ | -0.57 $ | +407.02% |
Answers draw on this SEC filing and the data on this page
Cincinnati Financial Corporation (CINF) reported Q2 FY2026 revenue of $4.274B, up 31.6% year over year, and net income of $1.255B, up 83.2%, primarily driven by substantially higher investment gains despite a property-casualty underwriting loss caused by elevated catastrophe losses. Source: 10-Q Item 2 MD&A, p.36 and p.40.
Cincinnati Financial (CINF) delivered solid FY2025 results with revenue rising 11.4% to $12.63B and net income growing 4.4% to $2.39B, supported by strong operating cash flow of $3.11B and a 14.2% expansion in stockholders' equity.
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