Cincinnati Financial Corp (CINF)

Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance; universal life insurance; and worksite and whole life insurance products, as well as annuities. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. The company was founded in 1950 and is headquartered in Fairfield, Ohio.

Symbol
CINF
Exchange
Nasdaq
Sector
Financial Services
Industry
Insurance - Property & Casualty
Market cap
$24.96B
52 week range
150 - 194.81

Valuation

Share price
$161.95 (close of 2026-10-02)
P/E (TTM)
7.56x
Price to book
1.50x
Price to free cash flow
7.34x
Enterprise value
$23.86B
Book value per share
$108.18

Price performance

PeriodChange
1 day-0.12%
5 days-0.36%
1 month-5.67%
3 months-15.66%
6 months+2.23%
Year to date-0.84%
1 year+0.90%
3 years+61.85%
5 years+41.08%
10 years+114.73%
All time+12076.69%

Members of Congress who disclosed CINF trades

Josh Gottheimer · Sheri Biggs

Super investors holding CINF

Ken Griffin (Citadel)

Profitability and growth

Return on equity
15.04%
Return on assets
5.84%
Net margin
18.95%
EBITDA margin
24.30%
Revenue growth
11.41%
Net income growth
4.41%
Free cash flow growth
17.70%

Cash flow and balance sheet

Free cash flow yield (TTM)
13.62%
Net debt to EBITDA
-0.26x

Latest reported year

Period end
2025-12-31
Fiscal year
2025
Revenue
$12.63B
EBITDA
$3.07B
Net income
$2.39B
Earnings per share
$15.32
Interest expense
$53.00M
Shares outstanding
156.10M

Income statement by year

Period endRevenueNet incomeEPS
2025-12-31$12.63B$2.39B$15.32
2024-12-31$11.34B$2.29B$14.65
2023-12-31$10.01B$1.84B$11.74
2022-12-31$6.56B-$487.00M$-3.06
2021-12-31$9.63B$2.97B$18.43
2020-12-31$7.54B$1.22B$7.55
2019-12-31$7.92B$2.00B$12.24
2018-12-31$5.41B$287.00M$1.76
2017-12-31$5.73B$1.04B$6.36
2016-12-31$5.45B$591.00M$3.59

Margins and returns by year

Period endNet marginReturn on equity
2025-12-3118.95%15.04%
2024-12-3120.22%16.45%
2023-12-3118.41%15.23%
2022-12-31-7.42%-4.61%
2021-12-3130.83%23.25%
2020-12-3116.14%11.27%
2019-12-3125.20%20.25%
2018-12-315.31%3.66%
2017-12-3118.23%12.68%
2016-12-3110.85%8.37%

Cash and debt by year

Period endCashDebt
2025-12-31$1.58B$790.00M
2024-12-31$1.28B$790.00M
2023-12-31$907.00M$790.00M
2022-12-31$1.26B$789.00M
2021-12-31$1.14B$789.00M
2020-12-31$900.00M$788.00M
2019-12-31$767.00M$788.00M
2018-12-31$784.00M$788.00M
2017-12-31$657.00M$787.00M
2016-12-31$777.00M$787.00M

Free cash flow by year

Period endFree cash flowStock-based compensation
2025-12-31$3.09B-
2024-12-31$2.63B-
2023-12-31$2.03B-
2022-12-31$2.04B-
2021-12-31$1.97B$33.00M
2020-12-31$1.47B$31.00M
2019-12-31$1.18B$30.00M
2018-12-31$1.16B$28.00M
2017-12-31$1.04B$26.00M
2016-12-31$1.10B$23.00M

Dividend history

Most recent payment
2026-09-23
Paid in the last twelve months
$3.69
Payment dateDividend per share
2026-09-23$0.94
2026-06-23$0.94
2026-03-24$0.94
2025-12-22$0.87
2025-09-22$0.87
2025-06-23$0.87
2025-03-24$0.87
2024-12-19$0.81

Investor relations

Next earnings report

Next confirmed report
2026-10-26
Consensus EPS estimate
$1.91

Past earnings dates

ReportedFiscal periodEPS estimate
2026-07-27Jun/2026$1.82
2026-04-27Mar/2026$1.93
2026-02-09Dec/2025$2.86
2025-10-27Sep/2025$2.01
2025-07-28Jun/2025$1.39
2025-04-28Mar/2025$-0.61
2025-02-10Dec/2024$1.90
2025-02-04--

Filings and sources

Company website
cinfin.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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