Key Takeaways Cincinnati Financial's Q3 operating income surged 100.7%, topping estimates by 41.8%.Operating revenues rose 12.1% on higher earned premiums and stronger investment income.Underwriting income jumped fivefold as the combined ratio improved 920 basis points to 88.2.Cincinnati Financial Corporation (CINF) reported third-quarter 2025 operating income of $2.85 per share, which surpassed the Zacks Consensus Estimate by 41.8%. The bottom line increased 100.7% year over year.The quarterly results of ...

Cincinnati Financial (NasdaqGS:CINF) Q3 2025 Earnings Call October 28, 2025 11:00 AM ET Company ParticipantsDennis McDaniel - Investor Relations OfficerSteve Seloria - Chief Investment OfficerSteve Spray - President and CEOMike Sewell - EVP and CFOMeyer Shields - Managing Director of ResearchConference Call ParticipantsGregory Peters - AnalystJosh Schenker - Research AnalystPaul Newsome - MD and Senior Research AnalystMichael Zaremski - Senior Equity Research AnalystMichael Phillips - MD and Senior AnalystO ...

Cincinnati Financial (NasdaqGS:CINF) Q3 2025 Earnings Call October 28, 2025 11:00 AM ET Company ParticipantsDennis McDaniel - Investor Relations OfficerSteve Seloria - Chief Investment OfficerSteve Spray - President and CEOMike Sewell - EVP and CFOMeyer Shields - Managing Director of ResearchConference Call ParticipantsGregory Peters - AnalystJosh Schenker - Research AnalystPaul Newsome - MD and Senior Research AnalystMichael Zaremski - Senior Equity Research AnalystMichael Phillips - MD and Senior AnalystO ...

Cincinnati Financial (NasdaqGS:CINF) Q3 2025 Earnings Call October 28, 2025 11:00 AM ET Speaker3Today, and welcome to the Cincinnati Financial Corporation 2025 third quarter earnings conference call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your touch-tone phone. To withdr ...

Shares of Cincinnati Financial (NASDAQ: CINF ) have been a solid performer over the past year, gaining about 9%, as the company has delivered underwriting improvement and benefited from rising equity valuations in its investment portfolio. I lastOver fifteen years of experience making contrarian bets based on my macro view and stock-specific turnaround stories to garner outsized returns with a favorable risk/reward profile. If you want me to cover a specific stock or have a question for an article, just let ...

公司股价表现 - 辛辛那提金融公司股价在过去一年表现稳健，上涨约9% [1] 公司业绩驱动因素 - 公司业绩改善得益于承保业务的改善 [1] - 公司投资组合中股权估值的上升带来了收益 [1]

核心财务表现 - 2025年第三季度营收为28.7亿美元，同比增长12.1%，超出市场一致预期28.5亿美元，超出幅度为0.79% [1] - 季度每股收益为2.85美元，较去年同期的1.42美元增长超过一倍，并大幅超出市场一致预期2.01美元，超出幅度达41.79% [1] - 公司股票在过去一个月下跌0.2%，表现逊于同期上涨2.5%的标普500指数，但目前Zacks评级为2级（买入）[3] 分业务线承保表现 - 商业保险综合成本率为91.1%，显著优于分析师平均预估的94.8% [4] - 个人保险综合成本率为88.2%，远优于分析师平均预估的101.3% [4] - 超额剩余保险综合成本率为89.8%，优于分析师平均预估的91.7% [4] - 商业保险的损失和损失费用率为60.8%，优于分析师平均预估的64.5% [4] 分业务线保费收入 - 总已赚保费为25.7亿美元，同比增长11.8%，超出分析师平均预估的25.5亿美元 [4] - 财产意外保险已赚保费为24.8亿美元，同比增长12%，超出分析师平均预估的24.7亿美元 [4] - 个人保险已赚保费为8.38亿美元，同比大幅增长23.6%，超出分析师平均预估的8.1542亿美元 [4] - 商业保险已赚保费为12.3亿美元，同比增长8.1%，略低于分析师平均预估的12.4亿美元 [4] - 超额剩余保险已赚保费为1.74亿美元，同比增长10.8%，略低于分析师平均预估的1.7585亿美元 [4] - 人寿保险子公司已赚保费为8300万美元，同比增长3.8%，超出分析师平均预估的8250万美元 [4] 其他收入指标 - 超额剩余保险总收入为1.75亿美元，同比增长11.5%，略低于分析师平均预估的1.7645亿美元 [4] - 财产意外保险费用收入为400万美元，同比大幅增长33.3%，超出分析师平均预估的280万美元 [4]

季度业绩表现 - 公司季度每股收益为2.85美元，远超市场预期的2.01美元，同比大幅增长100.7% [1] - 本季度收益超出预期41.79%，上一季度收益为1.97美元，亦超出预期41.73% [1] - 公司在过去四个季度中，四次超过每股收益预期 [2] 收入与财务数据 - 季度营业收入达28.7亿美元，超出市场预期0.79%，同比增长12.1% [2] - 公司在过去四个季度中，两次超过收入预期 [2] - 对下一季度的市场普遍预期为每股收益2.69美元，收入29.2亿美元 [7] 股价表现与市场比较 - 公司股价年初至今上涨约9%，同期标普500指数上涨15.5%，表现不及大盘 [3] - 公司当前获得Zacks第二级（买入）评级，预计近期表现将优于市场 [6] - 财产和意外伤害保险行业在Zacks行业排名中位列前14% [8] 行业前景与同业比较 - 财产和意外伤害保险行业排名前50%的行业表现优于后50%，优势超过2比1 [8] - 同业公司Heritage Insurance预计季度每股收益为0.53美元，同比大幅增长96.3% [9] - Heritage Insurance预计季度收入为2.1012亿美元，同比下降0.8% [10]

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Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark one) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from _____________________ to _____________________. Commission file number 0-4604 CINCINNATI FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Ohio 31-0746871 (Stat ...