Cincinnati Financial (CINF) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - Cincinnati Financial (CINF) reported a revenue of $2.63 billion for the quarter ended March 2025, reflecting a year-over-year increase of 13.3% but falling short of the Zacks Consensus Estimate by 2.57% [1] - The company's EPS was -$0.24, a significant decline from $1.72 in the same quarter last year, although it exceeded the consensus EPS estimate of -$0.61 by 60.66% [1] Financial Performance Metrics - The combined ratio for Commercial Lines Insurance was 91.9%, better than the estimated 97.7% [4] - The combined ratio for Excess and Surplus Lines Insurance was 88.3%, outperforming the estimated 97.9% [4] - The combined ratio for Personal Lines Insurance was 151.3%, worse than the estimated 142.7% [4] - Loss and loss expenses for Commercial Lines Insurance were 62.3%, compared to the average estimate of 67.1% [4] - Total earned premiums for the company were $2.34 billion, slightly below the estimated $2.40 billion, but representing a year-over-year increase of 13.2% [4] - Net investment income was $280 million, slightly above the average estimate of $279.15 million, with a year-over-year increase of 14.3% [4] - Earned premiums for Property Casualty Insurance were $2.26 billion, below the estimated $2.33 billion, but showing a year-over-year increase of 13.7% [4] - Earned premiums for Personal Lines Insurance were $698 million, below the estimated $762.01 million, with a year-over-year increase of 18.7% [4] - Earned premiums for Life Insurance Subsidiary were $80 million, slightly below the average estimate of $81.49 million, with a year-over-year change of 1.3% [4] - Earned premiums for Commercial Lines Insurance were $1.18 billion, slightly below the estimated $1.19 billion, with a year-over-year increase of 9% [4] - Fee revenues for Commercial Lines Insurance were $2 million, exceeding the estimated $1 million, representing a year-over-year increase of 100% [4] - Total revenues for Commercial Lines Insurance were $1.18 billion, slightly below the estimated $1.19 billion, with a year-over-year increase of 9.1% [4] Stock Performance - Cincinnati Financial's shares have returned -8.2% over the past month, compared to a -4.3% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]