CI
CINF
Latest · Mar 31, 2026
Quarter ended Mar 31, 2026 · FY2026 Q1

Cincinnati Financial Corporation stock research

Cincinnati Financial (CINF) Free Cash Flow — Quarter Ended Mar 31, 2026

Free cash flow improved sharply compared with both the prior quarter and the same quarter last year, driven by a higher operating cash flow. The free cash flow margin strengthened significantly from the year-ago period.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Free cash flow improved sharply compared with both the prior quarter and the same quarter last year, driven by a higher operating cash flow. The free cash flow margin strengthened significantly from the year-ago period.

  • Revenue was lower than the prior quarter but higher than a year ago. Operating cash flow rose substantially year over year, while capital expenditure remained minimal, resulting in a free cash flow margin that was higher than both comparison periods.
  • Compared with the immediately preceding quarter, revenue and operating cash flow were lower, yet free cash flow margin weakened. Versus the same quarter one year earlier, all metrics improved: revenue, operating cash flow, free cash flow, and margin were all higher.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$3.4B

Trailing twelve-month free cash flow.

Quarter free cash flow

$654.0M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$656.0M

Cash generated by operations before capital spending.

CapEx

$2.0M

Capital spending and related asset purchases.

FCF margin

22.8%

The share of revenue converted into free cash flow.

TTM FCF yield

12.3%

TTM FCF divided by market capitalization.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2025-06-30$3.2B$741.0M$4.0M$737.0M22.7%
2025-09-30$3.7B$1.1B$5.0M$1.1B29.8%
2025-12-31$3.1B$947.0M$8.0M$939.0M30.4%
2026-03-31$2.9B$656.0M$2.0M$654.0M22.8%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income238.7%Shows whether accounting earnings convert into cash.
CapEx / revenue0.1%Lower capital intensity usually supports FCF margin.
Net cash$419.0MCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Supportive

Operating Cash Flow Strength

Operating cash flow was the strongest observable driver, rising sharply from the year-ago quarter and supporting a higher free cash flow despite a modest decline in revenue from the prior quarter.

The increase in operating cash flow directly lifted free cash flow and the free cash flow margin compared with the prior year.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Revenue was lower than the prior quarter but higher than a year ago. Operating cash flow rose substantially year over year, while capital expenditure remained minimal, resulting in a free cash flow margin that was higher than both comparison periods.

Compared with the immediately preceding quarter, revenue and operating cash flow were lower, yet free cash flow margin weakened. Versus the same quarter one year earlier, all metrics improved: revenue, operating cash flow, free cash flow, and margin were all higher.

Monitor whether operating cash flow can sustain its elevated level relative to revenue in future quarters.

Valuation context

A cash-flow page should show how much investors are paying for the cash stream, without turning into a full DCF.

Market capitalization$27.8BUsed as the denominator for FCF yield.
TTM FCF yield12.3%TTM free cash flow divided by market capitalization.
EV / TTM FCF8.0xA quick valuation bridge, not a full DCF.

Peer context

Free cash flow quality is easier to read against related public companies.

CI
CINF

Cincinnati Financial Corporation

FCF margin

22.8%

FCF yield

12.3%