8-K Announcements
6Apr 27, 2026·SEC
Feb 9, 2026·SEC
Jan 30, 2026·SEC
Cincinnati Financial Corporation (CINF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Cincinnati Financial Corporation (CINF) stock price & volume — 10-year historical chart
Cincinnati Financial Corporation (CINF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Cincinnati Financial Corporation (CINF) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $2.10vs $1.93+8.8% | $2.6Bvs $2.6B-0.1% |
| Q1 2026 | Feb 9, 2026 | $3.37vs $2.90+16.2% | $2.6Bvs $2.6B+1.5% |
| Q4 2025 | Oct 27, 2025 | $2.85vs $2.14+33.2% | $3.7Bvs $2.6B+46.0% |
| Q3 2025 | Jul 28, 2025 | $1.97vs $1.41+39.7% | $3.2Bvs $2.5B+28.5% |
Cincinnati Financial Corporation (CINF) competitors in Commercial lines and surety insurers — business model, growth, and fundamentals comparison
Cincinnati Financial Corporation (CINF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Cincinnati Financial Corporation (CINF) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 5.73B | 5.41B | 7.92B | 7.54B | 9.63B | 6.56B | 10.01B | 11.34B | 12.63B | 12.92B |
Revenue Growth % | 5.19% | -5.67% | 46.55% | -4.9% | 27.73% | -31.82% | 52.57% | 13.22% | 11.41% | 17.82% |
Medical Costs & Claims | 3.39B | 3.49B | 3.64B | 4.13B | 3.91B | 5.02B | 5.27B | 5.74B | 6.3B | 6.42B |
Medical Cost Ratio % | 59.14% | 64.55% | 45.91% | 54.86% | 40.61% | 76.47% | 52.67% | 50.6% | 49.88% | 49.71% |
Gross Profit | 2.34B▲ 0% | 1.92B▼ 18.1% | 4.29B▲ 123.6% | 3.4B▼ 20.6% | 5.72B▲ 68.0% | 1.54B▼ 73.0% | 4.74B▲ 206.9% | 5.6B▲ 18.2% | 6.33B▲ 13.1% | 6.5B▲ 0% |
Gross Margin % | 40.86% | 35.45% | 54.09% | 45.14% | 59.39% | 23.53% | 47.33% | 49.4% | 50.12% | 50.29% |
Gross Profit Growth % | 0% | -18.15% | 123.58% | -20.63% | 68.05% | -72.99% | 206.93% | 18.17% | 13.05% | - |
Operating Expenses | 1.61B | 1.67B | 1.81B | 1.9B | 2.02B | 2.24B | 2.46B | 2.74B | 3.37B | 3.05B |
OpEx / Revenue % | 28.12% | 30.81% | 22.89% | 25.25% | 20.97% | 34.1% | 24.6% | 24.19% | 26.64% | 23.62% |
Depreciation & Amortization | 55M | 63M | 72M | 109M | 118M | 127M | 112M | 130M | 168M | 161M |
Combined Ratio % | 87.26% | 95.36% | 68.8% | 80.11% | 61.58% | 110.57% | 77.27% | 74.79% | 76.52% | 73.32% |
Operating Income | 730M▲ 0% | 251M▼ 65.6% | 2.47B▲ 884.9% | 1.5B▼ 39.4% | 3.7B▲ 146.7% | -694M▼ 118.8% | 2.28B▲ 428.0% | 2.86B▲ 25.6% | 2.98B▲ 4.3% | 3.45B▲ 0% |
Operating Margin % | 12.74% | 4.64% | 31.2% | 19.89% | 38.42% | -10.57% | 22.73% | 25.21% | 23.59% | 26.68% |
Operating Income Growth % | -10.1% | -65.62% | 884.86% | -39.36% | 146.7% | -118.77% | 427.95% | 25.57% | 4.27% | - |
EBITDA | 785M | 314M | 2.54B | 1.61B | 3.82B | -567M | 2.39B | 2.99B | 3.15B | 3.61B |
EBITDA Margin % | 13.7% | 5.81% | 32.1% | 21.34% | 39.64% | -8.64% | 23.85% | 26.36% | 24.92% | 27.92% |
Interest Expense | 53M | 53M | 53M | 54M | 53M | 53M | 54M | 53M | 5.3M | 74.7M |
Non-Operating Income | -53M | -53M | -53M | -54M | -53M | -53M | -54M | -53M | -53M | -40M |
Pretax Income | 730M▲ 0% | 251M▼ 65.6% | 2.47B▲ 884.9% | 1.5B▼ 39.4% | 3.7B▲ 146.7% | -694M▼ 118.8% | 2.28B▲ 428.0% | 2.86B▲ 25.6% | 2.98B▲ 4.3% | 3.43B▲ 0% |
Pretax Margin % | 12.74% | 4.64% | 31.2% | 19.89% | 38.42% | -10.57% | 22.73% | 25.21% | 23.59% | 26.57% |
Income Tax | -315M | -36M | 475M | 283M | 730M | -207M | 433M | 566M | 587M | 677M |
Effective Tax Rate % | -43.15% | -14.34% | 19.22% | 18.88% | 19.74% | 29.83% | 19.02% | 19.8% | 19.7% | 19.71% |
Net Income | 1.04B▲ 0% | 287M▼ 72.5% | 2B▲ 595.8% | 1.22B▼ 39.1% | 2.97B▲ 144.1% | -487M▼ 116.4% | 1.84B▲ 478.4% | 2.29B▲ 24.4% | 2.39B▲ 4.4% | 2.76B▲ 0% |
Net Margin % | 18.23% | 5.31% | 25.2% | 16.14% | 30.83% | -7.42% | 18.41% | 20.22% | 18.95% | 21.34% |
Net Income Growth % | 76.82% | -72.54% | 595.82% | -39.11% | 144.08% | -116.41% | 478.44% | 24.36% | 4.41% | 90.53% |
EPS (Diluted) | 6.29▲ 0% | 1.74▼ 72.3% | 12.10▲ 595.4% | 7.49▼ 38.1% | 18.10▲ 141.7% | -3.06▼ 116.9% | 11.66▲ 481.0% | 14.53▲ 24.6% | 15.17▲ 4.4% | 17.61▲ 0% |
EPS Growth % | 77.18% | -72.34% | 595.4% | -38.1% | 141.66% | -116.91% | 481.05% | 24.61% | 4.4% | 90.84% |
EPS (Basic) | 6.36 | 1.76 | 12.24 | 7.54 | 18.30 | -3.06 | 11.74 | 14.65 | 15.17 | - |
Diluted Shares Outstanding | 166M | 164.5M | 165.1M | 162.4M | 162.7M | 158.8M | 158.1M | 157.8M | 157.75M | 156.57M |
Cincinnati Financial Corporation (CINF) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Total Assets | 21.84B | 21.93B | 25.41B | 27.54B | 31.39B | 29.73B | 32.77B | 36.5B | 41B | 41.21B |
Asset Growth % | 7.15% | 0.42% | 15.83% | 8.4% | 13.96% | -5.27% | 10.21% | 11.39% | 12.33% | 44.11% |
Total Investment Assets | 16.95B | 16.61B | 19.75B | 21.54B | 24.67B | 22.43B | 25.36B | 28.38B | 31.78B | 4M |
Long-Term Investments | 16.95B | 16.61B | 19.45B | 21.19B | 11.64B | 10.29B | 11.57B | 11.9B | 13.51B | 103.95B |
Short-Term Investments | 0 | 0 | 11.7B | 12.34B | 13.02B | 12.13B | 13.79B | 16.48B | 18.27B | 49M |
Total Current Assets | 0 | 0 | 0 | 0 | 17.1B | 16.69B | 18.3B | 21.37B | 23.95B | 5.45B |
Cash & Equivalents | 657M | 784M | 767M | 900M | 1.14B | 1.26B | 907M | 983M | 1.43B | 1.21B |
Receivables | 2.22B | 2.33B | 2.6B | 2.63B | 2.87B | 3.24B | 3.54B | 3.83B | 4.18B | 16.52B |
Other Current Assets | -13.61B | -13.85B | -15.12B | -15.93B | 0 | 0 | 0 | 0 | 0 | 627M |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 905M | 1.01B | 1.09B | 1.24B | 1.34B | 5.46B |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 905M | 1.01B | 1.09B | 1.24B | 1.34B | 1.38B |
PP&E (Net) | 185M | 195M | 207M | 213M | 205M | 202M | 208M | 214M | 219M | 214M |
Other Assets | -17.13B | -16.8B | -19.66B | -21.41B | 1.53B | 1.54B | 1.61B | 1.78B | 1.98B | 1.87B |
Total Liabilities | 13.6B | 14.1B | 15.54B | 16.75B | 18.28B | 19.17B | 20.67B | 22.57B | 25.09B | 25.5B |
Total Debt | 851M | 866M | 884M | 899M | 897M | 891M | 874M | 875M | 886M | 884M |
Net Debt | 194M | 82M | 117M | -1M | -242M | -373M | -33M | -108M | -545M | -326M |
Long-Term Debt | 787M | 788M | 788M | 788M | 789M | 789M | 790M | 790M | 790M | 859M |
Short-Term Debt | 24M | 32M | 39M | 54M | 54M | 50M | 25M | 25M | 25M | 25M |
Total Current Liabilities | 0 | 0 | 0 | 0 | 12.37B | 13.19B | 14.52B | 16.32B | 18.62B | 18.57B |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Deferred Revenue | 0 | 0 | 0 | 0 | 3.27B | 3.69B | 4.12B | 4.81B | 5.25B | 5.42B |
Other Current Liabilities | -24M | -32M | -39M | -54M | 9.05B | 9.45B | 10.37B | 11.48B | 13.34B | 13.12B |
Deferred Taxes | 0 | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 6.92B |
Other Liabilities | -1.57B | -1.46B | -1.92B | -2.14B | 3.32B | 4.08B | 3.98B | 3.92B | 3.78B | 4.36B |
Total Equity | 8.24B▲ 0% | 7.83B▼ 5.0% | 9.86B▲ 25.9% | 10.79B▲ 9.4% | 13.11B▲ 21.5% | 10.56B▼ 19.4% | 12.1B▲ 14.5% | 13.94B▲ 15.2% | 15.91B▲ 14.2% | 15.71B▲ 0% |
Equity Growth % | 16.76% | -4.97% | 25.93% | 9.38% | 21.47% | -19.4% | 14.54% | 15.18% | 14.18% | 52.26% |
Shareholders Equity | 8.24B | 7.83B | 9.86B | 10.79B | 13.11B | 10.56B | 12.1B | 13.94B | 15.91B | 15.71B |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 5.18B | 7.63B | 9.26B | 10.09B | 12.63B | 11.71B | 13.08B | 14.87B | 16.72B | 16.85B |
Common Stock | 397M | 397M | 397M | 397M | 397M | 397M | 397M | 397M | 397M | 397M |
Accumulated OCI | 2.79B | 22M | 448M | 769M | 648M | -614M | -435M | -309M | -34M | -185M |
Return on Equity (ROE) | 13.66% | 3.57% | 22.57% | 11.78% | 24.84% | -4.12% | 16.27% | 17.61% | 16.04% | 17.98% |
Return on Assets (ROA) | 4.95% | 1.31% | 8.44% | 4.59% | 10.07% | -1.59% | 5.9% | 6.62% | 6.18% | 6.82% |
Equity / Assets | 37.74% | 35.71% | 38.82% | 39.17% | 41.75% | 35.52% | 36.92% | 38.18% | 38.81% | 38.13% |
Debt / Equity | 0.10x | 0.11x | 0.09x | 0.08x | 0.07x | 0.08x | 0.07x | 0.06x | 0.06x | 0.06x |
Book Value per Share | 49.66 | 47.62 | 59.75 | 66.43 | 80.55 | 66.51 | 76.52 | 88.31 | 100.86 | 100.36 |
Tangible BV per Share | 49.66 | 47.62 | 59.75 | 66.43 | 74.98 | 60.13 | 69.61 | 80.44 | 92.34 | 91.52 |
Cincinnati Financial Corporation (CINF) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 1.05B | 1.18B | 1.21B | 1.49B | 1.98B | 2.05B | 2.05B | 2.65B | 3.11B | 3.46B |
Operating CF Growth % | -4.62% | 12.26% | 2.29% | 23.43% | 32.86% | 3.58% | 0% | 29.09% | 17.48% | 181.13% |
Operating CF / Revenue % | 18.35% | 21.84% | 15.24% | 19.79% | 20.58% | 31.27% | 20.49% | 23.37% | 24.64% | 26.76% |
Net Income | 1.04B | 287M | 2B | 1.22B | 2.95B | -487M | 1.84B | 2.29B | 2.39B | 2.76B |
Depreciation & Amortization | 55M | 63M | 72M | 81M | 93M | 127M | 112M | 130M | 168M | 161M |
Stock-Based Compensation | 26M | 28M | 30M | 31M | 33M | 36M | 0 | 0 | 0 | 51M |
Deferred Taxes | -444M | -47M | 343M | 136M | 477M | -355M | 223M | 117M | 283M | 197M |
Other Non-Cash Items | -100M | 455M | -1.6B | -811M | -2.31B | 1.5B | -1.06B | -1.32B | -1.36B | 308M |
Working Capital Changes | 470M | 395M | 362M | 838M | 740M | 1.23B | 937M | 1.43B | 1.63B | -16M |
Cash from Investing | -558M | -451M | -679M | -560M | -1.06B | -933M | -1.61B | -1.7B | -1.69B | -2.13B |
Capital Expenditures | -16M | -20M | -24M | -20M | -15M | -15M | -18M | -22M | -20M | -6M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Purchase of Investments | -2.25B | -1.99B | -2.2B | -2.13B | -2.7B | -2.47B | -2.92B | -6.46B | -5.91B | -4.51B |
Sale/Maturity of Investments | 1.72B | 1.57B | 1.55B | 1.61B | 1.66B | 1.54B | 1.34B | 4.8B | 4.27B | 2.33B |
Other Investing | -9M | -8M | -5M | -15M | -2M | 7M | -15M | -15M | -30M | 60M |
Cash from Financing | -614M | -603M | -546M | -798M | -685M | -994M | -801M | -877M | -973M | -1.13B |
Dividends Paid | -400M | -336M | -355M | -375M | -395M | -423M | -454M | -490M | -525M | -533M |
Share Repurchases | -92M | -125M | -67M | -261M | -144M | -410M | -67M | -126M | -205M | -240M |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10M | 3M |
Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 0 | -1000K | -1000K | 0 | 0 | 0 |
Other Financing | -126M | -150M | -131M | -177M | -146M | -157M | -255M | -261M | -253M | -209M |
Net Change in Cash | -120M▲ 0% | 127M▲ 205.8% | -17M▼ 113.4% | 133M▲ 882.4% | 239M▲ 79.7% | 125M▼ 47.7% | -357M▼ 385.6% | 76M▲ 121.3% | 448M▲ 489.5% | 200M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 777M | 657M | 784M | 767M | 900M | 1.14B | 1.26B | 907M | 983M | 1.43B |
Cash at End | 657M | 784M | 767M | 900M | 1.14B | 1.26B | 907M | 983M | 1.43B | 1.21B |
Free Cash Flow | 1.04B▲ 0% | 1.16B▲ 12.1% | 1.18B▲ 2.0% | 1.47B▲ 24.2% | 1.97B▲ 33.7% | 2.04B▲ 3.6% | 2.03B▼ 0.1% | 2.63B▲ 29.2% | 3.09B▲ 17.7% | 3.45B▲ 0% |
FCF Growth % | -4.95% | 12.07% | 1.98% | 24.24% | 33.65% | 3.61% | -0.15% | 29.15% | 17.7% | 33.27% |
FCF Margin % | 18.07% | 21.47% | 14.94% | 19.52% | 20.42% | 31.04% | 20.31% | 23.17% | 24.48% | 26.69% |
FCF per Share | 6.24 | 7.06 | 7.17 | 9.06 | 12.08 | 12.83 | 12.87 | 16.65 | 19.6 | 22.03 |
Cincinnati Financial Corporation (CINF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Combined Ratio | 87.26% | 95.36% | 68.8% | 80.11% | 61.58% | 110.57% | 77.27% | 74.79% | 76.52% | 73.32% |
Medical Cost Ratio | 59.14% | 64.55% | 45.91% | 54.86% | 40.61% | 76.47% | 52.67% | 50.6% | 49.88% | 49.71% |
Return on Equity (ROE) | 13.66% | 3.57% | 22.57% | 11.78% | 24.84% | -4.12% | 16.27% | 17.61% | 16.04% | 17.98% |
Return on Assets (ROA) | 4.95% | 1.31% | 8.44% | 4.59% | 10.07% | -1.59% | 5.9% | 6.62% | 6.18% | 6.82% |
Equity / Assets | 37.74% | 35.71% | 38.82% | 39.17% | 41.75% | 35.52% | 36.92% | 38.18% | 38.81% | 38.13% |
Book Value / Share | 49.66 | 47.62 | 59.75 | 66.43 | 80.55 | 66.51 | 76.52 | 88.31 | 100.86 | 100.36 |
Debt / Equity | 0.10x | 0.11x | 0.09x | 0.08x | 0.07x | 0.08x | 0.07x | 0.06x | 0.06x | 0.06x |
Revenue Growth | 5.19% | -5.67% | 46.55% | -4.9% | 27.73% | -31.82% | 52.57% | 13.22% | 11.41% | 17.82% |
Cincinnati Financial Corporation (CINF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 27, 2026·SEC
Feb 9, 2026·SEC
Jan 30, 2026·SEC
Cincinnati Financial Corporation (CINF) stock FAQ — growth, dividends, profitability & financials explained
Cincinnati Financial Corporation (CINF) grew revenue by 11.4% over the past year. This is steady growth.
Yes, Cincinnati Financial Corporation (CINF) is profitable, generating $2.76B in net income for fiscal year 2025 (18.9% net margin).
Yes, Cincinnati Financial Corporation (CINF) pays a dividend with a yield of 1.96%. This makes it attractive for income-focused investors.
Cincinnati Financial Corporation (CINF) has a return on equity (ROE) of 16.0%. This is reasonable for most industries.
Cincinnati Financial Corporation (CINF) has a combined ratio of 76.5%. A ratio below 100% indicates underwriting profitability.