)
Edge6 Feb 2026
SharkNinja: Viral by Design
How SharkNinja built a repeatable growth engine, turning overlooked appliance categories into global brands through consumer insight and iteration.
Cincinnati Financial
Cincinnati Financial (CINF) investor relations material
Cincinnati Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary10 Feb, 2026
Executive summary
Net income for 2025 rose 4% to $2.4 billion, with Q4 net income up 67% to $676 million, driven by investment gains and improved underwriting.
Book value per share reached a record $102.35 at year-end, up 15%.
Value creation ratio for 2025 was 18.8%, exceeding the long-term target.
Achieved strong operating performance despite record catastrophe losses and market volatility.
Non-GAAP operating income for Q4 was $531 million, up 7%; full-year non-GAAP operating income was $1.254 billion, up 5%.
Financial highlights
Total revenues for Q4 2025 grew 22% to $3.091 billion; full-year revenues rose 11% to $12.631 billion.
Investment income increased 9% in Q4 and 14% for the year; bond interest income up 10% in Q4.
Net written premiums grew 5% in Q4 and 9% for the year, reflecting disciplined pricing and risk selection.
Cash flow from operating activities reached $3.1 billion for 2025, up 17% year-over-year.
Returned $730 million to shareholders in 2025, including $525 million in dividends and $205 million in share repurchases.
Outlook and guidance
Confident that pricing in all lines except workers' compensation is exceeding loss costs for 2026.
Expect continued solid investment income growth in 2026, with reinvestment yields holding steady.
Will maintain underwriting discipline and focus on risk-adjusted returns, even as market competition increases.
Management targets a value creation ratio of 10% to 13% annually and expects to maintain underwriting profitability.
Emphasis on product innovation and agency expansion to sustain profitable growth.
Impact of reinsurance reinstatement premiums on underlying combined ratio
New business growth strategy given overall slowdown
Investment gains' contribution to value creation ratio
Commercial casualty: strategy for rising loss costs?
Gen AI: expected impact on underwriting efficiency?
Reinsurance program: impact on retained cat risk?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Cincinnati Financial earnings date
Q1 202628 Apr, 2026
Cincinnati Financial
Next Cincinnati Financial earnings date
Q1 202628 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Cincinnati Financial Corporation is a provider of property casualty insurance products in the United States. The company offers personal lines insurance, including homeowners, renters, and condominium associations, as well as auto and general liability insurance. It operates through two segments, Property Insurance and Specialty Insurance. The Property Insurance segment offers homeowners policies; renters policies; condo association policies; and apartment association policies. This segment also provides personal umbrella liability insurance to protect individuals from liabilities that exceed their underlying primary liability coverage. The Specialty Insurance segment offers business owners' policies, commercial auto property and casualty coverages, umbrella coverages for small businesses, construction risk management coverage for contractors, and accident and health coverages. This segment also provides excess liability protection for professional service providers; medical-only group disability coverage; retiree group life insurance through third party administrators; and short-term disability insurance.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage