Cincinnati Financial said Q3 2025 EPS rose to $7.11 per share from $5.20 per share in 3Q24, and non-GAAP operating income more than doubled to $449 million from $224 million in the prior year.

1. 01

   Cincinnati Financial said Q3 2025 EPS rose to $7.11 per share from $5.20 per share in 3Q24, and non-GAAP operating income more than doubled to $449 million from $224 million in the prior year.

2. 02

   Cincinnati Financial said its Q3 combined ratio was 88.2%, 9.2 percentage points lower than 3Q24. The company cited 2.1 points from current accident year results before catastrophes and 9.3 points from lower catastrophe losses as improvement factors, and said less favorable development on prior accident years partially offset these gains.

3. 03

   Cincinnati Financial said net cash flow from operating activities on a year-to-date basis through September 30, 2025 was $2.165 billion, up 8%. Catastrophe losses paid during the same period increased $473 million compared with 2024 January–September, the company said.

4. 04

   The company said Q3 property casualty net written premiums grew 9% and investment income rose 14%. Of the investment income increase, interest income was up 21% and dividend income was up 1%.

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Original filing

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