Cincinnati Financial Corporation (CINF) Financials
PeriodQ3 FY2026
Published
Cincinnati Financial Corporation reported net income of $459 million, or $2.96 per diluted share, for Q3 FY2026, the quarter ended September 30, 2026, down from $1.12 billion, or $7.11, a year earlier. The decline came mostly from net investment gains, which fell to $20 million from $853 million, pulling total revenues to $3.05 billion, down 18.2%, even as earned premiums rose to $2.69 billion, up 4.8%, and investment income rose to $325 million, up 10.2%. Heavier catastrophe losses lifted the property casualty combined ratio to 90.9% from 88.2%, though the property casualty operations still earned an underwriting profit.
| Metric | Amount | vs. year ago |
|---|---|---|
| Total revenues | $3,047,000,000 | down 18.2% |
| Net income | $459,000,000 | down 59.1% |
| Diluted EPS | $2.96 | down 58.4% |
| Earned premiums | $2,690,000,000 | up 4.8% |
| Investment income | $325,000,000 | up 10.2% |
| Investment gains | $20,000,000 | down 97.7% |
| Combined ratio | 90.9% | up 2.7 points |
Company details
| Name | Cincinnati Financial Corp |
|---|---|
| Ticker | CINF |
| CIK | 0000020286 |
| Exchange | Nasdaq |
| State | Ohio |
| Incorporation | Ohio |
| SIC | 6331 |
| Office | Finance |
| Industry | Fire, Marine & Casualty Insurance |
| Latest period covered | Q3 FY2026, ended 2026-09-30, 10-Q, accession 0000020286-26-000060 |
| Fiscal year end | 12/31 (MM/DD) |
| Next expected filing | 10-K around 2027-02-22 (predicted) |
Data files
- Financial statementsPage Annual financial statements plus the latest quarter: income statement, balance sheet, cash flow. Actual dollars, actual shares. Sourcing notes and uncertainties included, plus a figure_sources block linking each figure the filing tags to the line that prints it.
- 10-K and 10-Q summaryPage Qualitative synthesis of the latest 10-K + 10-Q: business, risk factors (quarter-over-quarter changes flagged), MD&A, legal proceedings, subsequent events.
- 8-K filings and eventsPage Digest of material 8-K filings: earnings headlines, management changes, capital-return and financing actions, governance. SEC accession numbers cited throughout.
FAQ · Cincinnati Financial Q3 FY2026
How much did Cincinnati Financial earn in Q3 FY2026?
Cincinnati Financial Corporation reported net income of $459 million, or $2.96 per diluted share, for Q3 FY2026, the quarter ended September 30, 2026. That compares with $1.12 billion, or $7.11 per diluted share, in the same quarter a year earlier.
Why did Cincinnati Financial's net income fall in Q3 FY2026?
Cincinnati Financial Corporation's net income fell to $459 million in Q3 FY2026 from $1.12 billion a year earlier, mostly because net investment gains, which include changes in the fair value of equity securities it still holds, dropped to $20 million from $853 million. Heavier catastrophe losses also raised its property casualty combined ratio to 90.9% from 88.2%.
What was Cincinnati Financial's revenue in Q3 FY2026?
Both of Cincinnati Financial Corporation's main sources of revenue grew in Q3 FY2026, the quarter ended September 30, 2026: earned premiums rose to $2.69 billion, up 4.8% from a year earlier, and investment income rose to $325 million, up 10.2%. Its GAAP total revenues were $3.05 billion, down 18.2% from $3.73 billion, pulled down by net investment gains, which fell to $20 million from $853 million.
What was Cincinnati Financial's combined ratio in Q3 FY2026?
Cincinnati Financial Corporation's property casualty combined ratio was 90.9% in Q3 FY2026, the quarter ended September 30, 2026, compared with 88.2% in the same quarter a year earlier. Its property casualty operations still earned an underwriting profit in the quarter.
Where can I get Cincinnati Financial Corporation (CINF) financial data in machine-readable form?
Ticker Scout publishes Cincinnati Financial Corporation's financial statements as JSON at https://tickerscout.ai/cinf/financials.json, free, with no API key and no signup. The 10-K and 10-Q narrative and the 8-K events digest are published as Markdown at https://tickerscout.ai/cinf/narrative.md and https://tickerscout.ai/cinf/events.md. Cincinnati Financial Corporation's SEC CIK is 0000020286. Every figure cites the SEC accession number it came from, so it can be checked against sec.gov.
When does Cincinnati Financial Corporation (CINF) next file with the SEC?
Cincinnati Financial Corporation (CINF) is expected to file its next Form 10-K with the SEC on or around February 22, 2027. That date is a projection rather than a company-announced date: it is derived from Cincinnati Financial Corporation's own filing history with the SEC, by taking the date the company filed the same fiscal period a year earlier and adding 52 weeks. The most recent periodic report on file is the 10-Q for Q3 FY2026, the period ended 2026-09-30, SEC accession 0000020286-26-000060.
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How this page was built
This page was built from Cincinnati Financial Corporation's own filings with the SEC, read one at a time, and nothing on it is taken from a pre-tagged dataset, a data vendor or another website. The figures are on the company's own fiscal calendar and in actual dollars, as the filings report them. Where the filings do not support a figure, the record says so instead of reporting a zero; this period names two such gaps.
A single company files thousands of pages with the SEC in a year, and no two companies file them the same way, so the reading and the assembly here are done by AI rather than by rules that break on the differences. Every pass is then audited back against the filings it came from before the page is published, and anything the filings do not support is left out and named rather than filled in. AI can still make mistakes. That is why the accession numbers are printed: the filing is the authority, and this page is a route to it.
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Data extracted from SEC filings (accession numbers cited in each file). The undated URLs hold the latest period and are replaced in place each quarter; every period also stays published at its own dated URL, which never changes. Free to cite with attribution: Ticker Scout (tickerscout.ai). Not investment advice, see the Disclaimer.