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Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Mike Zaremski | BMO Capital Markets | 18 questions · 11% challenging |
| Mike Phillips | Oppenheimer | 13 questions · 23% challenging |
| Josh Shanker | Bank of America | 12 questions · 8% challenging |
| Greg Peters | Raymond James | 9 questions · 0% challenging |
| Meyer Shields | KBW | 7 questions · 0% challenging |
| John Barnidge | Piper Sandler | 4 questions · 25% challenging |
| Paul Newsome | Piper Sandler | 3 questions · 0% challenging |
| Jing Li | KBW | 2 questions · 0% challenging |
| Dean Criscitiello | Wolfe Research | 2 questions · 0% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| BMO Capital Markets | 1 analyst | 18 questions · 11% challenging |
| Oppenheimer | 1 analyst | 13 questions · 23% challenging |
| Bank of America | 1 analyst | 12 questions · 8% challenging |
| KBW | 2 analysts | 9 questions · 0% challenging |
| Raymond James | 1 analyst | 9 questions · 0% challenging |
| Piper Sandler | 2 analysts | 7 questions · 14% challenging |
| Wolfe Research | 1 analyst | 2 questions · 0% challenging |
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Cincinnati Financial surged back from last year's Q1 wildfire loss with non-GAAP operating income of $330 million versus a $37 million operating loss a year ago, as the combined ratio improved 17.7 points to 95.6% with an impressive 87.5% accident year ex-cat ratio. Consolidated NWP grew 7%, including a favorable 2% effect from net reinstatement premiums recorded in the prior year, with continued segment diversification. Investment income grew 14% on strong operating cash flow deployment, though commercial pricing softening and social inflation remained ongoing headwinds.
Competitive Dynamics | Pricing | Cost Pressure | Margin | Revenue Growth | Capital Allocation | Regulation Policy | Geographic Expansion | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 3 | 4 | 5 | 3 | 2 | 1 | ||
| 2025Q1 | 6 | 3 | 5 | 2 | 2 | 1 | ||
| 2025Q2 | 3 | 2 | 3 | 5 | 2 | 2 | 2 | 2 |
| 2025Q3 | 1 | 2 | 2 | 2 | 2 | 2 | 1 | |
| 2025Q4 | 1 | 4 | 2 | 1 | 1 | |||
| 2026Q1 | 6 | 4 | 3 | 2 | 6 | 1 | 1 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Competitive Dynamics | 3 | 6 | 3 | 1 | 1 | 6 |
| Pricing | 4 | 3 | 2 | 2 | 4 | 4 |
| Cost Pressure | 5 | 5 | 3 | 3 | ||
| Margin | 3 | 5 | 2 | 2 | 2 | |
| Revenue Growth | 2 | 2 | 2 | 6 | ||
| Capital Allocation | 2 | 2 | 2 | 2 | 1 | 1 |
| Regulation Policy | 1 | 2 | 2 | 1 | 1 | |
| Geographic Expansion | 1 | 2 | 1 | 1 |
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Net margin |
|---|---|---|---|---|---|
| FY2024 Q4 | $2.54B | -24.4% | $2.57 | -65.7% | 16.0% |
| FY2025 Q1 | $2.57B | -12.6% | $-0.58 | -112.1% | -3.5% |
| FY2025 Q2 | $3.25B | +27.7% | $4.34 | +119.2% | 21.1% |
| FY2025 Q3 | $3.73B | +12.2% | $7.11 | +36.7% | 30.1% |
| FY2025 Q4 | $3.09B | +21.8% | $4.30 | +67.3% | 21.9% |
| FY2026 Q1Selected | $2.86B | +11.6% | $1.75 | +401.7% | 9.6% |
| FY2026 Q2 | $4.27B | +31.6% | $8.05 | +85.5% | 29.4% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
Calendar quarter Q1 2026Earnings call Apr 28, 2026
FY2026 Q1 in brief
Cincinnati Financial surged back from last year's Q1 wildfire loss with non-GAAP operating income of $330 million versus a $37 million operating loss a year ago, as the combined ratio improved 17.7 points to 95.6% with an impressive 87.5% accident year…
Newest quarter FY2026 Q2 is part of Pro · see what Pro adds →
GAAP revenue YoY +11.6% → base 6. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
Sources. Tellvest earnings-call sentiment score for Cincinnati Financial (CINF), FY2026 Q1: 7/10. Scores: Cincinnati Financial’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: CINF daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
What CINF and other companies said about each other on FY2026 Q1 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“AM Best also expressed their confidence in our plans by affirming our A+ rating, citing our strong balance sheet and operating performance.”
AM Best affirmed Cincinnati Financial's A+ rating, citing its strong balance sheet and operating performance.
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
CINF Cincinnati Financial | 7 | +11.6% | |
| ALL Allstate | 7 | +4.2% | |
| CB Chubb Limited | 7 | +9.5% | |
| ERIE Erie Indemnity | 6 | +2.3% | |
| FACO First Acceptance Corporation | 5 | -5.4% | |
| KMPR Kemper Corporation | 2 | -6.8% | |
| L Loews Corporation | 5 | +2.6% | |
| LMND Lemonade, Inc. | 9 | +55.0% | |
| MCY Mercury General Corporation | 8 | +10.5% | |
| PGR Progressive Corporation | 7 | +8.7% | |
| ROOT Root, Inc. | 8 | +12.6% | |
| TRV The Travelers Companies, Inc. | 5 | +1.0% | |
| WRB W. R. Berkley Corporation | 6 | +4.0% |