Cincinnati Financial Corporation (CINF) Earnings History
Growth Compounder37 years of earnings data (1989–2025) · Consistent double-digit EPS growth over 5 years
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Cincinnati Financial Corporation (CINF) Earnings Overview
As of June 22, 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
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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% |
| 2015 | $634M | +20.8% | $881M | $3.83 | 12.3% | 17.1% |
| 2014 | $525M | +1.5% | $721M | $3.18 | 10.6% | 14.6% |
| 2013 | $517M | +22.8% | $714M | $3.12 | 11.4% | 15.8% |
| 2012 | $421M | +156.7% | $566M | $2.57 | 10.2% | 13.8% |
| 2011 | $164M | -56.3% | $173M | $1.02 | 4.3% | 4.5% |
| 2010 | $375M | -13.2% | $498M | $2.31 | 9.9% | 13.2% |
| 2009 | $432M | +0.7% | $582M | $2.65 | 11.1% | 14.9% |
| 2008 | $429M | -49.8% | $540M | $2.62 | 11.2% | 14.1% |
| 2007 | $855M | -8.1% | $1.19B | $4.97 | 20.1% | 28.0% |
| 2006 | $930M | +54.5% | $1.33B | $5.30 | 20.4% | 29.2% |
| 2005 | $602M | +3.1% | $823M | $3.40 | 16.0% | 21.8% |
| 2004 | $584M | +56.1% | $800M | $3.28 | 16.2% | 22.1% |
| 2003 | $374M | +57.1% | $480M | $2.10 | 11.8% | 15.1% |
| 2002 | $238M | +23.3% | $279M | $1.32 | 8.4% | 9.8% |
| 2001 | $193M | +63.6% | $221M | $1.08 | 7.5% | 8.6% |
| 2000 | $118M | -53.7% | $109M | $0.66 | 5.1% | 4.7% |
| 1999 | $255M | +5.6% | $322M | $1.38 | 12.0% | 15.1% |
| 1998 | $242M | -19.3% | $307M | $1.28 | 11.8% | 14.9% |
| 1997 | $299M | +33.8% | $395M | $1.61 | 15.4% | 20.3% |
| 1996 | $224M | -1.6% | $282M | $1.19 | 12.4% | 15.6% |
| 1995 | $227M | +13.0% | $295M | $1.21 | 13.7% | 17.8% |
| 1994 | $201M | -6.8% | $249M | $1.07 | 13.3% | 16.5% |
| 1993 | $216M | +26.1% | $267M | $1.15 | 15.0% | 18.5% |
| 1992 | $171M | +17.1% | $209M | $0.93 | 13.1% | 16.0% |
| 1991 | $146M | +13.4% | $861M | $0.81 | 12.6% | 74.2% |
| 1990 | $129M | +12.7% | $868M | $0.72 | 12.3% | 82.7% |
| 1989 | $115M | - | $799M | $0.63 | 11.8% | 82.0% |
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CINF — Frequently Asked Questions
Quick answers to the most common questions about buying CINF stock.
What is CINF earnings per share (EPS)?
CINF trailing twelve-month (TTM) diluted EPS is $17.61, reflecting +4.4% year-over-year growth. The 5-year EPS CAGR is +15.2%. Complete EPS history from 1989 to 2025 is available in the table on this page.
What is Cincinnati Financial Corporation's net income?
Cincinnati Financial Corporation (CINF) trailing twelve-month net income is $2.8B as of 2025. Earnings grew +4.4% year-over-year. Cincinnati Financial Corporation has been profitable for 3 consecutive years.
Is CINF profitable?
Yes, CINF is profitable with a TTM net income of $2.8B and a net profit margin of +18.9%. Cincinnati Financial Corporation has generated profits for 3 consecutive years.
What is CINF's earnings growth rate?
CINF compound annual EPS growth rates (CAGR): 1-Year: +4.4%, 3-Year: N/A, 5-Year: +15.2%, 10-Year: +14.8%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2025.
What are CINF's profit margins?
Cincinnati Financial Corporation net profit margin is +18.9%, operating margin is +23.6%, and gross margin is +50.1%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +16.0%.
Is CINF growing earnings?
CINF earnings growth is slowing. Current YoY EPS growth of +4.4% trails the 5-year CAGR of +15.2%. TTM net income is $2.8B.
What was CINF's best earnings year?
Cincinnati Financial Corporation's highest annual net income on record is $3.0B, achieved in fiscal year 2021. Earnings history on this page spans 1989 to 2025 and includes all annual and quarterly figures.
What were CINF's earnings last quarter?
CINF's most recent reported quarter was Q1 2026. Net income was $274M with diluted EPS of $1.75. For a full breakdown of all quarters, see the quarterly earnings table on this page.