Cincinnati Financial Corporation (CINF) Earnings History
Annual and quarterly earnings data from 1989 to 2025
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CINF EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CINF Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 50.1% | 23.6% | 18.9% |
| 2024 | 49.4% | 25.2% | 20.2% |
| 2023 | 47.3% | 22.7% | 18.4% |
| 2022 | 23.5% | -10.6% | -7.4% |
| 2021 | 59.4% | 38.4% | 30.8% |
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Cincinnati Financial Corporation (CINF) Earnings Overview
As of May 8, 2026, Cincinnati Financial Corporation (CINF) reported trailing twelve-month net income of $2.76B, reflecting +4.4% year-over-year growth. The company earned $17.61 per diluted share over the past four quarters, with a net profit margin of 18.9%.
Looking at the long-term picture, CINF's 5-year EPS compound annual growth rate (CAGR) stands at +15.2%, indicating exceptional earnings growth. The company achieved its highest annual net income of $2.97B in fiscal 2021.
Cincinnati Financial Corporation maintains industry-leading profitability with a gross margin of 50.1%, operating margin of 23.6%, and net margin of 18.9%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CB ($10.31B net income, 17.2% margin), TRV ($6.29B net income, 12.9% margin), HIG ($4.06B net income, 13.6% margin), CINF has outperformed on profitability metrics. Compare CINF vs CB →
CINF Earnings vs Peers
Earnings metrics vs comparable public companies
CINF Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $2.39B | +4.4% | $2.98B | $15.17 | 18.9% | 23.6% |
| 2024 | $2.29B | +24.4% | $2.86B | $14.53 | 20.2% | 25.2% |
| 2023 | $1.84B | +478.4% | $2.28B | $11.66 | 18.4% | 22.7% |
| 2022 | -$487M | -116.4% | -$694M | $-3.06 | -7.4% | -10.6% |
| 2021 | $2.97B | +144.1% | $3.70B | $18.10 | 30.8% | 38.4% |
| 2020 | $1.22B | -39.1% | $1.50B | $7.49 | 16.1% | 19.9% |
| 2019 | $2.00B | +595.8% | $2.47B | $12.10 | 25.2% | 31.2% |
| 2018 | $287M | -72.5% | $251M | $1.74 | 5.3% | 4.6% |
| 2017 | $1.04B | +76.8% | $730M | $6.29 | 18.2% | 12.7% |
| 2016 | $591M | -6.8% | $812M | $3.55 | 10.8% | 14.9% |
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Start ComparisonCINF — Frequently Asked Questions
Quick answers to the most common questions about buying CINF stock.
Is CINF growing earnings?
CINF EPS of $17.61 reflects slowing growth at +4.4%, below the 5-year CAGR of +15.2%. TTM net income is $2.8B. Expansion rate has moderated.
What are CINF's profit margins?
Cincinnati Financial Corporation net margin is +18.9%, with operating margin at +23.6%. Above-average margins indicate pricing power.
How consistent are CINF's earnings?
CINF earnings data spans 1989-2025. The current earnings trend is +4.4% YoY. Historical data enables comparison across business cycles.