The earnings call highlighted strong financial performance with significant growth in net income, investment income, and premium growth across various segments. Despite challenges from catastrophe losses and reserve adjustments, the company demonstrated robust operational results and strategic reinsurance management.

Company Guidance -

Q3 2025

During the Cincinnati Financial Corporation's second quarter 2025 earnings conference call, the company reported robust financial performance with key metrics indicating significant growth. The commercial lines and excess and surplus lines insurance segments achieved combined ratios below 93% and 91.1%, respectively, while Cincinnati Re and Cincinnati Global reported combined ratios below 85%. The personal lines segment experienced a combined ratio of 102%, despite a 23.8 percentage point impact from spring and summer storms. Net income for the quarter was $685 million, more than doubling from the previous year, driven by a $380 million increase in the fair value of equity securities. Non-GAAP operating income rose 52% to $311 million. The property casualty combined ratio improved by 3.6 percentage points to 94.9%, despite a 1-point increase in catastrophe losses. Net written premiums grew 11%, with 16% growth in agency renewal premiums, while the investment income increased by 18% due to strategic rebalancing of the investment portfolio. The company also expanded its property catastrophe reinsurance program with an additional $300 million layer, while maintaining a debt-to-total capital ratio under 10%, showcasing strong financial stability and growth potential.

Strong Operating Performance

Reported strong operating performance with commercial and excess and surplus lines segments producing combined ratios below 93% and Cincinnati Re and Cincinnati Global each with combined ratios below 85%.

Significant Net Income Growth

Net income of $685 million more than doubled from a year ago, including a $380 million after-tax recognition for the increase in fair value of equity securities.

Investment Income Growth

Reported 18% growth in investment income reflecting efforts to rebalance the investment portfolio.

Premium Growth

Consolidated property casualty net written premiums grew 11% for the quarter, with commercial lines growing 9% and personal lines growing 20%.

Life Insurance Segment Performance

Life insurance subsidiary reported 8% net income growth with term life insurance earned premiums up 3%.

Cincinnati Financial (CINF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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CINF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	1.73 / -	1.42	―	―	―
Jul 28, 2025	2025 (Q2)	1.41 / 1.97	1.29	52.71% (+0.68)	―
Apr 28, 2025	2025 (Q1)	-0.62 / -0.24	1.72	-113.95% (-1.96)	―
Feb 10, 2025	2024 (Q4)	1.90 / 3.14	2.28	37.72% (+0.86)	―
Oct 24, 2024	2024 (Q3)	1.46 / 1.42	1.66	-14.46% (-0.24)	―
Jul 25, 2024	2024 (Q2)	0.96 / 1.29	1.21	6.61% (+0.08)	―
Apr 25, 2024	2024 (Q1)	1.69 / 1.72	0.89	93.26% (+0.83)	―
Feb 06, 2024	2023 (Q4)	1.95 / 2.28	1.27	79.53% (+1.01)	―
Oct 26, 2023	2023 (Q3)	1.15 / 1.66	0.73	127.40% (+0.93)	―
Jul 27, 2023	2023 (Q2)	0.74 / 1.21	0.65	86.15% (+0.56)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CINF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 28, 2025	$147.10	$152.42	+3.62%
Apr 28, 2025	$135.06	$139.01	+2.92%
Feb 10, 2025	$134.00	$137.77	+2.81%
Oct 24, 2024	$135.82	$138.78	+2.18%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Cincinnati Financial (CINF) report earnings?

Cincinnati Financial (CINF) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is Cincinnati Financial (CINF) earnings time?

Cincinnati Financial (CINF) earnings time is at Oct 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CINF EPS forecast?

CINF EPS forecast for the fiscal quarter 2025 (Q3) is 1.73.

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