CINF
Cincinnati FinancialPrevious close
181.19
Change
−0.68 / −0.37%
P/E (TTM) ?
10.5
Market Cap
$28.0B
1M
+13.69%
S&P 500 −0.91% over same period
Volume / Avg Volume
1.1M / 703K
1.58× average
Latest earnings analysisFY2026 Q3Reported 2026-10-26
Cincinnati Financial Q3 FY2026: EPS beats, net income falls
CINF’s Q3 FY2026 is a mixed beat: GAAP EPS of $2.96 topped the $2.03 consensus by 45.8%, but net income fell to $459 million from $1.122 billion a year earlier as investment gains normalized. Read the quarter through underwriting: the GAAP combined ratio was 90.9%, and revenue was $3.047 billion, below last year’s $3.726 billion. No quantitative guidance was issued.
Read the full analysis →Revenue$3.05B
EPS$2.96Beatest. $2.03
Next-day move+2.31%
Recent Earnings
Click to read the FinDog analysis| Period | Reported | Revenue | Analysis |
|---|---|---|---|
| FY2026 Q3 Quarter ended 2026-09 | 2026-10-26 | $3.0B | Read analysis → |
| FY2026 Q2 Quarter ended 2026-06 | 2026-07-27 | $4.3B | Read analysis → |
| FY2026 Q1 Quarter ended 2026-03 | 2026-04-27 | $2.9B | Pending |
| FY2025 Q4 Quarter ended 2025-12 | 2026-02-09 | $12.6B | Pending |
| FY2025 Q3 Quarter ended 2025-09 | 2025-10-27 | $3.7B | Pending |
| FY2025 Q2 Quarter ended 2025-06 | 2025-07-28 | $3.2B | Pending |
| FY2025 Q1 Quarter ended 2025-03 | 2025-04-28 | $2.6B | Pending |
Decision Panel
Trends · Valuation · Earnings reaction · Guidance credibility — all from company filings and market dataValuation
P/E is at percentile 58 of its 5-year rangeMid-range
5-year range 7.6 – 16.0 · Median 10.2
Last 4 quarters: $499M in buybacks + $551M in dividends, 3.75% of market cap combined
P/E (TTM)
10.5
P/B
1.7
P/S
2.3
Dividend Yield
2.92%
Earnings Reaction
Over the last 7 reports, the stock moved ±2.5% on average on the first trading day after, rising 3 times
Most recent +2.31%
Volatility & Correlation
1-year beta -0.09 · Correlation with S&P 500 -0.06Low beta
Annualized volatility 21% vs. 13% for the S&P 500
Insider Trading
View all →Last 90 days · Open-market buys and sells by officers and directors · Amounts in USD millions
Buy 1 · $0.17MSell 1 · $1.3MNet selling $1.2M
- 08-25Debbink Dirk JDirectorBuy$0.17M1,000 shares · Avg price 171.64
- 08-03Schiff Charles OdellDirectorSell$1.3M7,600 shares · Avg price 175.40
Multi-Quarter Financial Trends
View all quarters →Last 12 quarters · As reported by the company
| Quarter | Revenue ($B) | YoY | Gross Margin | Net Income ($B) | EPS |
|---|---|---|---|---|---|
| FY2026 Q3 | 3.05 | −18.2% | — | 0.46 | 2.96 |
| FY2026 Q2 | 4.27 | +31.6% | — | 1.26 | 8.05 |
| FY2026 Q1 | 2.86 | +11.6% | — | 0.27 | 1.75 |
| FY2025 Q4 | 3.09 | +21.8% | — | 0.68 | 4.29 |
| FY2025 Q3 | 3.73 | +12.2% | — | 1.12 | 7.11 |
| FY2025 Q2 | 3.25 | +27.7% | — | 0.69 | 4.34 |
| FY2025 Q1 | 2.57 | −12.6% | — | -0.09 | -0.57 |
| FY2024 Q4 | 2.54 | −24.4% | — | 0.41 | 2.57 |
| FY2024 Q3 | 3.32 | +83.3% | — | 0.82 | 5.20 |
| FY2024 Q2 | 2.54 | −2.3% | — | 0.31 | 1.98 |
| FY2024 Q1 | 2.94 | +31.0% | — | 0.76 | 4.78 |
| FY2023 Q4 | 3.36 | +7.7% | — | 1.18 | 7.49 |