Cincinnati Financial (CINF) Q1 2025 Earnings Call April 29, 2025 03:58 PM ET Speaker0 Good morning, ladies and gentlemen. Thank you for standing by for the Cincinnati Financial Corporation First Quarter twenty twenty five Earnings Conference Call. Please stay connected. This conference will begin in the next two minutes. Ladies and gentlemen, thank you for standing by for the Cincinnati Financial Corporation conference call. The conference is expected to begin at 11:02. Thank you. Good day, and welcome to t ...

Cincinnati Financial Corporation (CINF) reported first-quarter 2025 operating loss of 24 cents per share, narrower than the Zacks Consensus Estimate of a loss of 61 cents. CINF had reported an operating income of $1.72 per share in the prior-year quarter. The year-over-year decrease of $309 million was primarily due to a $356 million increase in after-tax catastrophe losses. Total operating revenues in the quarter under review were $2.6 billion, which missed the Zacks Consensus Estimate by 2.5%. The top lin ...

Cincinnati Financial (CINF) came out with a quarterly loss of $0.24 per share versus the Zacks Consensus Estimate of a loss of $0.61. This compares to earnings of $1.72 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 60.66%. A quarter ago, it was expected that this insurer would post earnings of $1.90 per share when it actually produced earnings of $3.14, delivering a surprise of 65.26%.Over the last four quarters, the company ...

Table of Contents ☐ 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 (State or other jurisdiction of incorporation or organization) 6200 S. Gilmore Road, Fairfield, Ohio 45014-5141 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM ...

Cincinnati Financial Corporation Supplemental Financial Data for the period ending March 31, 2025 6200 South Gilmore Road Fairfield, Ohio 45014-5141 cinfin.com Investor Contact: Media Contact: Shareholder Contact: Dennis E. McDaniel Betsy E. Ertel Brandon McIntosh 513-870-2768 513-603-5323 513-870-2696 | | A.M. Best | Fitch | Moody's | S&P Global | | --- | --- | --- | --- | --- | | | Company | Ratings | Investor Service | Ratings | | Cincinnati Financial Corporation | | | | | | Corporate Debt | a | A- | A3 ...

CINCINNATI, April 28, 2025 /PRNewswire/ -- Cincinnati Financial Corporation (Nasdaq: CINF) today reported: First-quarter 2025 net loss of $90 million, or $0.57 per share, compared with net income of $755 million, or $4.78 per share, in the first quarter of 2024, after recognizing a $56 million first-quarter 2025 after-tax reduction in the fair value of equity securities still held. First-quarter 2025 non-GAAP operating loss* of $37 million, or $0.24 per share, compared with operating income of $272 million, ...

文章核心观点 - 辛辛那提金融公司（CINF）2025年第一季度营收预计增长，但净利润预计下降 [1] 业绩预期 - 第一季度营收预计达27亿美元，同比增长16.3% [1] - 净利润预计每股亏损29美分，过去七天盈利预期下调8美分，同比下降116.9% [2] 盈利预测模型 - 公司此次盈利超预期可能性不大，因其盈利ESP为 -86.48%，虽Zacks排名为3，但未满足盈利超预期条件 [2][3] 影响第一季度业绩的因素 收入增长因素 - 保费受益于多因素，预计达24亿美元，同比增长16.6% [4] - 个人险业务受益于多种因素，收入预计达7.63亿美元，同比增长29.5% [5] - 超额和剩余业务保费因代理续约和新业务增长，收入预计达1.63亿美元，同比增长16.4% [6] - 净投资收入受益于现金流和债券收益率，预计达2.784亿美元，同比增长12.2% [7] 支出增长因素 - 总福利和费用预计增长40.2%至28亿美元，主要因保险损失等费用增加 [7] 承保盈利影响因素 - 承保盈利能力受加州野火造成的巨灾损失影响，预计损失在4.5亿 - 5.25亿美元之间 [8] - 个人险业务承担73%损失，辛辛那提再保险和辛辛那提全球分别承担24%和3% [8] - 综合比率Zacks共识预期为114，公司估计为115 [8] 可考虑的保险股 - 阿彻资本集团（ACGL）盈利ESP为 +2.28%，Zacks排名3，一季度盈利预计同比降44.1%，过去四个季度均超预期 [9] - 帕洛玛控股（PLMR）盈利ESP为 +1.57%，Zacks排名2，一季度盈利预计同比增45.9%，过去四个季度均超预期 [10] - ROOT盈利ESP为 +25.84%，Zacks排名1，一季度盈利预计同比增207.1%，过去四个季度均超预期 [10][11]

文章核心观点 - 华尔街分析师预测辛辛那提金融公司即将公布的季度报告中每股亏损0.61美元，同比下降135.5%，营收预计达27亿美元，同比增长16.3%，还对公司多项关键指标作出预测 [1] 公司业绩预测 - 季度每股亏损预计0.61美元，同比下降135.5% [1] - 季度营收预计达27亿美元，同比增长16.3% [1] - 过去30天该季度每股收益共识预期未变 [1] 关键指标预测 收入类 - “已赚保费总收入”共识预期为24亿美元，同比变化+16.1% [4] - “扣除费用后的投资收入总额”预计达2.7915亿美元，较上年同期变化+13.9% [4] - “财产意外险已赚保费”平均预测为23.3亿美元，同比变化+16.8% [4] - “个人险已赚保费”预计达7.6201亿美元，同比变化+29.6% [5] 综合比率类 - “商业险综合比率”预计达97.7%，去年同期为96.5% [5] - “超额和剩余险综合比率”预计达97.9%，去年同期为91.9% [5] - “个人险综合比率”预计达142.7%，去年同期为93.9% [6] - “财产意外险部门综合比率”预计为114.9%，去年同期为93.6% [7] 损失和费用类 - “商业险损失和损失费用”预计达67.1%，去年同期为66.4% [6] - “超额和剩余险损失和损失费用”预计为70.8%，去年同期为64.5% [7] - “商业险承保费用”预计为30.6%，去年同期为30.1% [8] - “超额和剩余险承保费用”预计为27.1%，去年同期为27.4% [8] 股价表现与评级 - 辛辛那提金融公司过去一个月股价回报率为 -8.8%，同期标准普尔500指数回报率为 -6.6% [8] - 公司Zacks评级为3（持有），预计近期表现与整体市场一致 [8]

文章核心观点 - 华尔街预计辛辛那提金融公司2025年第一季度收益同比下降但收入增长 实际结果与预期的对比或影响短期股价 投资者可关注盈利ESP和Zacks评级以判断公司盈利超预期的可能性 [1][2][15] 辛辛那提金融公司（CINF） 财报预期 - 预计2025年4月28日发布财报 预计季度每股亏损0.61美元 同比变化-135.5% 收入预计为27亿美元 同比增长16.3% [2][3] 预测趋势 - 过去30天季度每股收益共识预期未变 最准确估计低于Zacks共识估计 盈利ESP为-11.69% 表明分析师近期对公司盈利前景看淡 [4][10] 评级情况 - 股票目前Zacks评级为3（持有） 此组合难以确定公司会超预期盈利 [11] 历史表现 - 上一季度预期每股收益1.90美元 实际为3.14美元 盈利惊喜+65.26% 过去四个季度三次超预期 [12][13] 总结建议 - 盈利超预期或未达预期并非股价涨跌唯一因素 公司不太可能盈利超预期 投资者决策前应关注其他因素 [14][16] RLI公司（RLI） 财报预期 - 预计2025年第一季度每股收益0.90美元 同比变化-5.3% 收入预计为4.377亿美元 同比增长11.2% [17] 预测趋势 - 过去30天每股收益共识预期未变 最准确估计较低 盈利ESP为-4.44% [18] 评级情况 - 股票Zacks评级为4（卖出） 难以确定公司会超预期盈利 [18] 历史表现 - 过去四个季度三次超预期 [18]

文章核心观点 公司计划发布2025年第一季度财报并召开电话会议讨论相关结果 [1] 公司信息 - 公司主要通过旗下公司提供商业、家庭和汽车保险等业务，当地独立保险机构可销售其多个子公司产品 [2] 财报发布安排 - 公司计划于2025年4月28日纳斯达克常规交易收盘后发布2025年第一季度财报 [1] 电话会议安排 - 公司将于2025年4月29日上午11点（美国东部时间）召开电话会议讨论第一季度财报结果，可通过investors.cinfin.com观看网络直播，活动结束约两小时后可查看回放 [1]