For the quarter ended March 2025, Cincinnati Financial (CINF) reported revenue of $2.63 billion, up 13.3% over the same period last year. EPS came in at -$0.24, compared to $1.72 in the year-ago quarter.
The reported revenue represents a surprise of -2.57% over the Zacks Consensus Estimate of $2.7 billion. With the consensus EPS estimate being -$0.61, the EPS surprise was +60.66%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Cincinnati Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Commercial Lines Insurance - Combined ratio: 91.9% versus 97.7% estimated by five analysts on average.
- Excess and surplus lines insurance - Combined ratio: 88.3% versus 97.9% estimated by five analysts on average.
- Personal Lines Insurance - Combined ratio: 151.3% versus 142.7% estimated by five analysts on average.
- Commercial Lines Insurance - Loss and loss expenses: 62.3% compared to the 67.1% average estimate based on five analysts.
- Revenues- Earned premiums- Total: $2.34 billion versus $2.40 billion estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +13.2% change.
- Investment income, net of expenses- Total: $280 million versus the six-analyst average estimate of $279.15 million. The reported number represents a year-over-year change of +14.3%.
- Revenues- Property Casualty Insurance- Earned premiums: $2.26 billion versus $2.33 billion estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +13.7% change.
- Revenues- Personal Lines Insurance- Earned premiums: $698 million versus the five-analyst average estimate of $762.01 million. The reported number represents a year-over-year change of +18.7%.
- Revenues- Life Insurance Subsidiary- Earned premiums: $80 million compared to the $81.49 million average estimate based on five analysts. The reported number represents a change of +1.3% year over year.
- Revenues- Commercial Lines Insurance- Earned premiums: $1.18 billion compared to the $1.19 billion average estimate based on five analysts. The reported number represents a change of +9% year over year.
- Revenues- Commercial lines insurance- Fee revenues: $2 million versus the five-analyst average estimate of $1 million. The reported number represents a year-over-year change of +100%.
- Total revenues- Commercial lines insurance: $1.18 billion versus the five-analyst average estimate of $1.19 billion. The reported number represents a year-over-year change of +9.1%.
View all Key Company Metrics for Cincinnati Financial here>>>
Shares of Cincinnati Financial have returned -8.2% over the past month versus the Zacks S&P 500 composite's -4.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Cincinnati Financial Corporation (CINF): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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