Last 48 quarters of trend data · Financial Services · Property & Casualty Insurers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.41 | 13.46 | 5.75 | 22.48 | 9.50 | 5.56 | 8.58 | — | 13.98 | 6.54 | 14.91 | 6.49 | 3.45 | — | 7.20 | 19.73 | 4.00 | — | — | — | 3.15 |
| — | +142.1% | -33.0% | — | -32.1% | -15.1% | -42.5% | — | +305.3% | — | +107.2% | -67.1% | -13.8% | — | — | — | +26.9% | — | — | — | -6.7% | |
| P/S Ratio | 2.29 | 2.03 | 1.69 | 2.15 | 2.08 | 1.67 | 1.81 | 2.25 | 2.23 | 1.62 | 1.83 | 1.67 | 1.22 | 2.22 | 1.48 | 1.98 | 1.30 | 2.51 | 5.79 | 4.48 | 1.39 |
| — | +21.2% | -6.7% | -4.4% | -6.7% | +3.6% | -1.0% | +34.8% | +83.5% | -27.0% | +23.9% | -15.7% | -6.5% | -11.7% | -74.5% | -55.7% | -6.6% | -3.7% | +179.8% | +138.0% | +6.0% | |
| P/B Ratio | 1.87 | 1.53 | 1.73 | 1.57 | 1.62 | 1.62 | 1.64 | 1.68 | 1.63 | 1.56 | 1.46 | 1.55 | 1.35 | 1.51 | 1.39 | 1.65 | 1.53 | 1.50 | 1.80 | 1.80 | 1.41 |
| — | -5.7% | +5.4% | -6.9% | -0.4% | +4.1% | +12.9% | +8.7% | +20.5% | +2.9% | +4.4% | -6.3% | -12.0% | +0.7% | -22.5% | -8.3% | +8.6% | -4.5% | +12.3% | +19.9% | +7.6% | |
| P/FCF | 9.35 | 7.85 | 10.28 | 9.42 | 6.87 | 5.56 | 7.97 | 18.81 | 8.88 | 5.92 | 6.31 | 14.17 | 7.17 | 6.19 | 6.73 | 18.05 | 6.45 | 5.34 | 8.58 | 28.10 | 10.06 |
| — | +41.1% | +28.9% | -49.9% | -22.6% | -6.1% | +26.3% | +32.8% | +23.8% | -4.3% | -6.3% | -21.5% | +11.2% | +15.9% | -21.6% | -35.8% | -35.9% | -31.3% | +1.0% | +134.2% | +4.6% | |
| EV / EBITDA | 9.01 | 10.11 | 4.32 | 16.61 | 7.15 | 4.21 | 6.49 | — | 11.41 | 4.77 | 10.93 | 5.03 | 2.69 | — | 5.53 | 14.37 | 2.97 | — | — | — | 2.44 |
| — | +140.0% | -33.4% | — | -37.4% | -11.7% | -40.6% | — | +324.2% | — | +97.4% | -65.0% | -9.4% | — | — | — | +21.5% | — | — | — | -7.9% | |
| EV / EBIT | 9.52 | 10.78 | 4.42 | 17.93 | 7.39 | 4.27 | 6.73 | — | 11.46 | 4.89 | 11.69 | 5.14 | 2.71 | — | 5.71 | 15.70 | 3.04 | — | — | — | 2.46 |
| — | +152.2% | -34.3% | — | -35.5% | -12.6% | -42.4% | — | +323.2% | — | +104.9% | -67.3% | -11.0% | — | — | — | +23.9% | — | — | — | -7.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 47.4% | 45.0% | 55.7% | 38.8% | 52.4% | 58.7% | 48.9% | 23.3% | 47.6% | 52.5% | 41.8% | 54.0% | 64.1% | 26.4% | 48.6% | 37.6% | 60.0% | -0.6% | -61.2% | 15.3% | 71.5% |
| — | -23.3% | +13.9% | +66.7% | +10.0% | +11.8% | +16.9% | -56.9% | -25.8% | +98.4% | -13.9% | +43.7% | +6.9% | +4761.5% | +179.3% | +146.3% | -16.1% | -101.4% | -201.8% | -72.2% | +7.5% | |
| Operating Margin | 23.6% | 18.5% | 36.9% | 11.4% | 27.2% | 37.9% | 26.3% | -5.0% | 18.9% | 31.3% | 15.2% | 32.5% | 44.4% | -8.2% | 25.6% | 12.0% | 41.3% | -40.9% | -128.4% | -28.8% | 55.6% |
| — | -51.1% | +40.1% | +328.3% | +44.0% | +21.1% | +73.5% | -115.4% | -57.5% | +483.3% | -40.7% | +171.5% | +7.4% | +80.0% | +119.9% | +141.5% | -25.6% | -497.0% | -438.0% | -183.6% | +13.7% | |
| Net Margin | 18.9% | 15.1% | 29.4% | 9.6% | 21.9% | 30.1% | 21.1% | -3.5% | 16.0% | 24.7% | 12.3% | 25.7% | 35.3% | -5.5% | 20.5% | 10.0% | 32.5% | -29.5% | -99.8% | -21.8% | 44.2% |
| — | -50.0% | +39.2% | +372.9% | +37.1% | +21.9% | +72.0% | -113.6% | -54.7% | +551.8% | -40.2% | +156.2% | +8.4% | +81.5% | +120.5% | +146.0% | -26.5% | -444.2% | -425.7% | -178.4% | +13.6% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 16.0% | 2.8% | 7.8% | 1.7% | 4.3% | 7.6% | 4.9% | -0.7% | 2.9% | 6.2% | 2.5% | 6.1% | 10.4% | -0.9% | 4.9% | 2.1% | 10.1% | -4.2% | -7.2% | -2.1% | 11.8% |
| — | -63.0% | +58.5% | +366.2% | +47.8% | +22.4% | +99.3% | -110.7% | -72.0% | +774.7% | -50.0% | +188.8% | +2.8% | +78.0% | +167.9% | +200.0% | -14.0% | -422.4% | -218.2% | -137.3% | +15.3% | |
| ROA | 6.2% | 1.1% | 3.0% | 0.7% | 1.7% | 2.8% | 1.8% | -0.2% | 1.1% | 2.3% | 0.9% | 2.3% | 3.7% | -0.3% | 1.7% | 0.7% | 3.5% | -1.4% | -2.8% | -0.9% | 4.8% |
| — | -62.1% | +65.5% | +373.2% | +50.4% | +23.7% | +97.6% | -110.7% | -70.3% | +818.2% | -47.3% | +203.8% | +6.2% | +78.1% | +162.8% | +186.6% | -27.1% | -382.3% | -213.5% | -138.9% | +23.3% | |
| ROIC | 15.3% | 2.7% | 7.6% | 1.6% | 4.2% | 7.3% | 4.6% | -0.7% | 2.7% | 6.0% | 2.2% | 5.7% | 9.9% | -1.0% | 4.6% | 1.9% | 9.9% | -4.4% | -7.1% | -2.1% | 11.3% |
| — | -63.3% | +64.2% | +327.0% | +55.4% | +20.8% | +105.7% | -112.2% | -72.8% | +692.1% | -50.9% | +197.2% | -0.8% | +76.9% | +164.7% | +190.9% | -12.0% | -475.2% | -223.6% | -140.2% | +17.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.06 | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 | 0.07 | 0.07 | 0.08 | 0.08 | 0.08 | 0.08 | 0.09 | 0.08 | 0.07 | 0.07 |
| — | -5.7% | -15.0% | -12.1% | -11.3% | -9.5% | -9.6% | -7.2% | -13.1% | -22.6% | -13.0% | -17.2% | -14.4% | -13.0% | -6.3% | +13.2% | +23.2% | +23.2% | +9.6% | -9.4% | -17.9% | |
| Debt / EBITDA | 0.28 | 1.45 | 0.54 | 2.42 | 1.00 | 0.61 | 0.98 | — | 1.77 | 0.81 | 2.04 | 0.88 | 0.58 | — | 1.24 | 2.91 | 0.67 | — | — | — | 0.48 |
| — | +138.0% | -44.8% | — | -43.3% | -24.6% | -52.0% | — | +206.8% | — | +64.9% | -69.6% | -13.6% | — | — | — | +39.3% | — | — | — | -28.8% | |
| Current Ratio | 1.29 | 2.03 | 1.90 | 0.29 | 1.29 | 0.37 | 0.38 | 0.38 | 1.31 | 0.42 | — | — | — | — | — | — | — | — | — | — | — |
| — | +442.4% | +404.6% | -23.2% | -1.8% | -11.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 1.29 | 2.03 | 1.90 | 0.29 | 1.29 | 0.37 | 0.38 | 0.38 | 1.31 | 0.42 | — | — | — | — | — | — | — | — | — | — | — |
| — | +442.4% | +404.6% | -23.4% | -1.8% | -11.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 57.23 | 47.08 | 113.07 | 26.08 | 65.62 | 109.69 | 62.07 | -8.85 | 37.85 | 81.00 | 28.57 | 74.31 | 107.43 | -10.38 | 52.23 | 20.14 | 100.00 | -40.21 | -80.00 | -26.00 | 132.86 |
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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 12.4x. The average P/E over the last 4 quarters is 12.8x. 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.