Last 48 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Cincinnati Financial Corporation's quarterly P/E stands at 22.5x.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.22 | 22.48 | 9.50 | 5.56 | 8.58 | — | 13.98 | 6.54 | 14.91 | 6.49 | 3.45 | — | 7.20 |
| — | — | -32.1% | -15.1% | -42.5% | — | +305.3% | — | +107.2% | -67.1% | -13.8% | — | — | |
| P/S Ratio | 2.10 | 2.15 | 2.09 | 1.67 | 1.81 | 2.25 | 2.23 | 1.62 | 1.83 | 1.67 | 1.22 | 2.22 | 1.48 |
| — | -4.4% | -6.5% | +3.6% | -1.0% | +34.8% | +83.5% | -27.0% | +23.9% | -15.7% | -6.5% | -11.7% | -74.5% | |
| P/B Ratio | 1.69 | 1.57 | 1.62 | 1.62 | 1.64 | 1.68 | 1.63 | 1.56 | 1.46 | 1.55 | 1.35 | 1.51 | 1.39 |
| — | -6.9% | -0.4% | +4.1% | +12.9% | +8.7% | +20.5% | +2.9% | +4.4% | -6.3% | -12.0% | +0.7% | -22.5% | |
| P/FCF | 8.57 | 9.42 | 6.87 | 5.56 | 7.97 | 18.81 | 8.88 | 5.92 | 6.31 | 14.17 | 7.17 | 6.19 | 6.73 |
| — | -49.9% | -22.6% | -6.1% | +26.3% | +32.8% | +23.8% | -4.3% | -6.3% | -21.5% | +11.2% | +15.9% | -21.6% | |
| EV / EBITDA | 8.24 | 16.04 | 7.15 | 4.21 | 6.49 | — | 11.41 | 4.77 | 10.93 | 5.03 | 2.69 | — | 5.53 |
| — | — | -37.4% | -11.7% | -40.6% | — | +324.2% | — | +97.4% | -65.0% | -9.4% | — | — | |
| EV / EBIT | 8.71 | 17.93 | 7.39 | 4.27 | 6.73 | — | 11.46 | 4.89 | 11.69 | 5.14 | 2.71 | — | 5.71 |
| — | — | -35.5% | -12.6% | -42.4% | — | +323.2% | — | +104.9% | -67.3% | -11.0% | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Cincinnati Financial Corporation's operating margin was 11.8% in Q1 2026, down 15.4 pp QoQ and up 16.8 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 25.8% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 66.7% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.1% | 38.8% | 52.3% | 58.7% | 48.9% | 23.3% | 47.6% | 52.5% | 41.8% | 54.0% | 64.1% | 26.4% | 48.6% |
| — | +66.7% | +9.9% | +11.8% | +16.9% | -56.9% | -25.8% | +98.4% | -13.9% | +43.7% | +6.9% | +4761.5% | +179.3% | |
| Operating Margin | 23.6% | 11.8% | 27.2% | 37.9% | 26.3% | -5.0% | 18.9% | 31.3% | 15.2% | 32.5% | 44.4% | -8.2% | 25.6% |
| — | +337.4% | +44.3% | +21.1% | +73.5% | -115.4% | -57.5% | +483.3% | -40.7% | +171.5% | +7.4% | +80.0% | +119.9% | |
| Net Margin | 18.9% | 9.6% | 21.9% | 30.1% | 21.1% | -3.5% | 16.0% | 24.7% | 12.3% | 25.7% | 35.3% | -5.5% | 20.5% |
| — | +372.9% | +37.3% | +21.9% | +72.0% | -113.6% | -54.7% | +551.8% | -40.2% | +156.2% | +8.4% | +81.5% | +120.5% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 16.0% | 1.7% | 4.3% | 7.6% | 4.9% | -0.7% | 2.9% | 6.2% | 2.5% | 6.1% | 10.4% | -0.9% | 4.9% |
| — | +366.2% | +47.8% | +22.4% | +99.3% | -110.7% | -72.0% | +774.7% | -50.0% | +188.8% | +2.8% | +78.0% | +167.9% | |
| ROA | 6.2% | 0.7% | 1.7% | 2.8% | 1.8% | -0.2% | 1.1% | 2.3% | 0.9% | 2.3% | 3.7% | -0.3% | 1.7% |
| — | +373.2% | +50.4% | +23.7% | +97.6% | -110.7% | -70.3% | +818.2% | -47.3% | +203.8% | +6.2% | +78.1% | +162.8% | |
| ROIC | 15.3% | 1.7% | 4.2% | 7.3% | 4.6% | -0.7% | 2.7% | 6.0% | 2.2% | 5.7% | 9.9% | -1.0% | 4.6% |
| — | +336.1% | +55.4% | +20.8% | +105.7% | -112.2% | -72.8% | +692.1% | -50.9% | +197.2% | -0.8% | +76.9% | +164.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Cincinnati Financial Corporation's Debt/EBITDA ratio is 2.3x, up from 1.0x last quarter — at a moderate level that warrants monitoring. The current ratio has weakened 23.2% YoY to 0.29x, tightening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 | 0.07 | 0.07 | 0.08 | 0.08 |
| — | -12.1% | -11.3% | -9.5% | -9.6% | -7.2% | -13.1% | -22.6% | -13.0% | -17.2% | -14.4% | -13.0% | -6.3% | |
| Debt / EBITDA | 0.28 | 2.33 | 1.00 | 0.61 | 0.98 | — | 1.77 | 0.81 | 2.04 | 0.88 | 0.58 | — | 1.24 |
| — | — | -43.3% | -24.6% | -52.0% | — | +206.8% | — | +64.9% | -69.6% | -13.6% | — | — | |
| Current Ratio | 1.29 | 0.29 | 1.29 | 0.37 | 0.38 | 0.38 | 1.31 | 0.42 | — | — | — | — | — |
| — | -23.2% | -1.8% | -11.1% | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 1.29 | 0.29 | 1.29 | 0.37 | 0.38 | 0.38 | 1.31 | 0.42 | — | — | — | — | — |
| — | -23.4% | -1.8% | -11.1% | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 572.26 | 26.08 | 24.58 | 109.69 | 62.07 | -8.85 | 37.85 | 81.00 | 28.57 | 74.31 | 107.43 | -10.38 | 52.23 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CINF stock.
Cincinnati Financial Corporation's current P/E is 11.2x. The average P/E over the last 4 quarters is 11.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Cincinnati Financial Corporation's current operating margin is 23.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Cincinnati Financial Corporation's business trajectory between earnings reports.