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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Mike Zaremski | BMO Capital Markets | 15 | 7% |
| Mike Phillips | Oppenheimer | 11 | 27% |
| Josh Shanker | Bank of America | 9 | 11% |
| Greg Peters | Raymond James | 7 | 0% |
| Meyer Shields | KBW | 5 | 0% |
| Jon Newsome | Piper Sandler | 4 | 25% |
| Paul Newsome | Piper Sandler | 3 | 0% |
| Dean Crecydielo | KBW | 2 | 0% |
| Jing Li | KBW | 2 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| BMO Capital Markets | 1 | 15 | 7% |
| Oppenheimer | 1 | 11 | 27% |
| Bank of America | 1 | 9 | 11% |
| KBW | 3 |
| 9 |
| 0% |
| Piper Sandler | 2 | 7 | 14% |
| Raymond James | 1 | 7 | 0% |
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 |
| 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% | |
| 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% |