What is Cincinnati Finl Corp's earnings per share (EPS)?

Cincinnati Finl Corp (CINF) reported diluted earnings per share of $15.17 for fiscal year 2025. This represents a 4.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Cincinnati Finl Corp Financials

CINF

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Cincinnati Finl Corp (CINF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CINF FY2025 2026-04-27

Cash generation is steadier than reported earnings, letting capital and shareholder payouts grow without leaning on debt.

From FY2022 to FY2025, net income moved from -$487M to $2.4B, but that profit volatility did not force a financing reset. Operating cash flow still stayed above $2.0B in each of those years, and FY2025 carried just $790M of long-term debt, so the balance sheet appears to absorb earnings swings rather than amplify them.

In FY2025, free cash flow nearly matched operating cash flow because capital spending was only $20M. By FY2025 that translated into a free-cash-flow margin of 24.5%, which implies very little cash is being consumed just to maintain the operating base.

Dividends paid rose from $423M in FY2022 to $525M in FY2025 even though FY2022 net income was negative. At the same time, equity rebuilding still lifted capital to $15.9B, showing distributions did not prevent the company from replenishing its balance-sheet cushion after the earnings dip.

Financial Health Signals

Financial Health Score 39/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Cincinnati Finl Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Capital

Combined Ratio

Stability

Piotroski F-Score Partial

4/6

Cincinnati Finl Corp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.30x

For every $1 of reported earnings, Cincinnati Finl Corp generates $1.30 in operating cash flow ($3.1B OCF vs $2.4B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$12.6B

YoY+11.4%

5Y CAGR+10.9%

10Y CAGR+9.4%

Cincinnati Finl Corp generated $12.6B in revenue in fiscal year 2025. This represents an increase of 11.4% from the prior year.

EBITDA

N/A

Net Income

$2.4B

YoY+4.4%

5Y CAGR+14.5%

10Y CAGR+14.2%

Cincinnati Finl Corp reported $2.4B in net income in fiscal year 2025. This represents an increase of 4.4% from the prior year.

EPS (Diluted)

$15.17

YoY+4.4%

5Y CAGR+15.2%

10Y CAGR+14.8%

Cincinnati Finl Corp earned $15.17 per diluted share (EPS) in fiscal year 2025. This represents an increase of 4.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$3.1B

YoY+17.7%

5Y CAGR+16.0%

10Y CAGR+11.2%

Cincinnati Finl Corp generated $3.1B in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 17.7% from the prior year.

Cash & Debt

$1.4B

YoY+45.6%

5Y CAGR+9.7%

10Y CAGR+10.2%

Cincinnati Finl Corp held $1.4B in cash against $790.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

$3.48

YoY+7.4%

5Y CAGR+7.7%

10Y CAGR+4.2%

Cincinnati Finl Corp paid $3.48 per share in dividends in fiscal year 2025. This represents an increase of 7.4% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

18.9%

YoY-1.3pp

5Y CAGR+2.8pp

10Y CAGR+6.6pp

Cincinnati Finl Corp's net profit margin was 18.9% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.3 percentage points from the prior year.

Return on Equity

15.0%

YoY-1.4pp

5Y CAGR+3.8pp

10Y CAGR+5.2pp

Cincinnati Finl Corp's ROE was 15.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$205.0M

YoY+62.7%

5Y CAGR-4.7%

10Y CAGR+14.5%

Cincinnati Finl Corp spent $205.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 62.7% from the prior year.

Capital Expenditures

$20.0M

YoY-9.1%

5Y CAGR+0.0%

10Y CAGR+7.2%

Cincinnati Finl Corp invested $20.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 9.1% from the prior year.

CINF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$12.6B+11.4%	$11.3B+13.2%	$10.0B+52.6%	$6.6B-31.8%	$9.6B+27.7%	$7.5B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$53.0M0.0%	$53.0M-1.9%	$54.0M+1.9%	$53.0M0.0%	$53.0M-1.9%	$54.0M
Income Tax	$587.0M+3.7%	$566.0M+30.7%	$433.0M+309.2%	-$207.0M-128.4%	$730.0M+158.0%	$283.0M
Net Income	$2.4B+4.4%	$2.3B+24.4%	$1.8B+478.4%	-$487.0M-116.4%	$3.0B+144.1%	$1.2B
EPS (Diluted)	$15.17+4.4%	$14.53+24.6%	$11.66+481.0%	$-3.06-116.8%	$18.24+143.5%	$7.49

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$2.9B-7.4%	$3.1B-17.0%	$3.7B+14.7%	$3.2B+26.6%	$2.6B+1.1%	$2.5B-23.6%	$3.3B+30.5%	$2.5B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$13.0M0.0%	$13.0M0.0%	$13.0M-7.1%	$14.0M+7.7%	$13.0M0.0%	$13.0M0.0%	$13.0M-7.1%	$14.0M
Income Tax	$52.0M-68.3%	$164.0M-43.6%	$291.0M+71.2%	$170.0M+547.4%	-$38.0M-151.4%	$74.0M-66.4%	$220.0M+197.3%	$74.0M
Net Income	$274.0M-59.5%	$676.0M-39.8%	$1.1B+63.8%	$685.0M+861.1%	-$90.0M-122.2%	$405.0M-50.6%	$820.0M+162.8%	$312.0M
EPS (Diluted)	$1.75	N/A	$7.11+63.8%	$4.34+861.4%	$-0.57	N/A	$5.20+162.6%	$1.98

CINF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$41.0B+12.3%	$36.5B+11.4%	$32.8B+10.2%	$29.7B-5.3%	$31.4B+14.0%	$27.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.4B+45.6%	$983.0M+8.4%	$907.0M-28.2%	$1.3B+11.0%	$1.1B+26.6%	$900.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$25.1B+11.2%	$22.6B+9.2%	$20.7B+7.8%	$19.2B+4.9%	$18.3B+9.1%	$16.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$790.0M0.0%	$790.0M0.0%	$790.0M+0.1%	$789.0M0.0%	$789.0M+0.1%	$788.0M
Total Equity	$15.9B+14.2%	$13.9B+15.2%	$12.1B+14.5%	$10.6B-17.3%	$12.8B+18.3%	$10.8B
Retained Earnings	$16.7B+12.4%	$14.9B+13.6%	$13.1B+11.7%	$11.7B-7.2%	$12.6B+25.2%	$10.1B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$41.2B+0.5%	$41.0B+1.1%	$40.6B+4.4%	$38.8B+4.2%	$37.3B+2.1%	$36.5B-1.4%	$37.0B+6.3%	$34.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.2B-15.4%	$1.4B-2.0%	$1.5B+46.7%	$995.0M-1.5%	$1.0B+2.7%	$983.0M-43.9%	$1.8B+127.2%	$771.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$25.5B+1.6%	$25.1B-0.3%	$25.2B+2.5%	$24.5B+4.2%	$23.6B+4.4%	$22.6B-2.8%	$23.2B+5.4%	$22.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$791.0M+0.1%	$790.0M0.0%	$790.0M0.0%	$790.0M0.0%	$790.0M0.0%	$790.0M0.0%	$790.0M0.0%	$790.0M
Total Equity	$15.7B-1.2%	$15.9B+3.3%	$15.4B+7.7%	$14.3B+4.2%	$13.7B-1.6%	$13.9B+0.9%	$13.8B+8.0%	$12.8B
Retained Earnings	$16.8B+0.8%	$16.7B+3.3%	$16.2B+6.5%	$15.2B+3.7%	$14.6B-1.5%	$14.9B+1.9%	$14.6B+5.0%	$13.9B

CINF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$3.1B+17.5%	$2.6B+29.1%	$2.1B0.0%	$2.1B+3.6%	$2.0B+32.9%	$1.5B
Capital Expenditures	$20.0M-9.1%	$22.0M+22.2%	$18.0M+20.0%	$15.0M0.0%	$15.0M-25.0%	$20.0M
Free Cash Flow	$3.1B+17.7%	$2.6B+29.2%	$2.0B-0.1%	$2.0B+3.6%	$2.0B+33.7%	$1.5B
Investing Cash Flow	-$1.7B+0.3%	-$1.7B-5.5%	-$1.6B-72.3%	-$933.0M+11.7%	-$1.1B-88.8%	-$560.0M
Financing Cash Flow	-$973.0M-10.9%	-$877.0M-9.5%	-$801.0M+19.4%	-$994.0M-45.1%	-$685.0M+14.2%	-$798.0M
Dividends Paid	$525.0M+7.1%	$490.0M+7.9%	$454.0M+7.3%	$423.0M+7.1%	$395.0M+5.3%	$375.0M
Share Buybacks	$205.0M+62.7%	$126.0M+88.1%	$67.0M-83.7%	$410.0M+184.7%	$144.0M-44.8%	$261.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$656.0M-30.7%	$947.0M-15.0%	$1.1B+50.3%	$741.0M+139.0%	$310.0M-51.7%	$642.0M-29.6%	$912.0M+22.9%	$742.0M
Capital Expenditures	$2.0M-75.0%	$8.0M+60.0%	$5.0M+25.0%	$4.0M+33.3%	$3.0M-25.0%	$4.0M-33.3%	$6.0M+20.0%	$5.0M
Free Cash Flow	$654.0M-30.4%	$939.0M-15.3%	$1.1B+50.5%	$737.0M+140.1%	$307.0M-51.9%	$638.0M-29.6%	$906.0M+22.9%	$737.0M
Investing Cash Flow	-$493.0M+26.9%	-$674.0M-67.2%	-$403.0M+27.5%	-$556.0M-858.6%	-$58.0M+95.2%	-$1.2B-580.9%	$251.0M+165.2%	-$385.0M
Financing Cash Flow	-$384.0M-27.2%	-$302.0M-22.8%	-$246.0M-23.0%	-$200.0M+11.1%	-$225.0M-10.3%	-$204.0M-12.1%	-$182.0M+11.2%	-$205.0M
Dividends Paid	$133.0M0.0%	$133.0M-0.7%	$134.0M+0.8%	$133.0M+6.4%	$125.0M0.0%	$125.0M+0.8%	$124.0M-0.8%	$125.0M
Share Buybacks	$179.0M+73.8%	$103.0M+71.7%	$60.0M	$0-100.0%	$42.0M+740.0%	$5.0M	$0-100.0%	$46.0M

CINF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.9%-1.3pp	20.2%+1.8pp	18.4%+25.8pp	-7.4%-38.3pp	30.8%+14.7pp	16.1%
Return on Equity	15.0%-1.4pp	16.4%+1.2pp	15.2%+19.8pp	-4.6%-27.9pp	23.3%+12.0pp	11.3%
Return on Assets	5.8%-0.4pp	6.3%+0.7pp	5.6%+7.3pp	-1.6%-11.1pp	9.5%+5.0pp	4.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.050.0	0.060.0	0.070.0	0.07+0.0	0.06-0.0	0.07
FCF Margin	24.5%+1.3pp	23.2%+2.9pp	20.3%-10.7pp	31.0%+10.6pp	20.4%+0.9pp	19.5%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	9.6%-12.3pp	21.9%-8.2pp	30.1%+9.0pp	21.1%+24.6pp	-3.5%-19.5pp	16.0%-8.7pp	24.7%+12.4pp	12.3%
Return on Equity	1.7%-2.5pp	4.3%-3.0pp	7.3%+2.5pp	4.8%+5.5pp	-0.7%-3.6pp	2.9%-3.0pp	5.9%+3.5pp	2.4%
Return on Assets	0.7%-1.0pp	1.7%-1.1pp	2.8%+1.0pp	1.8%+2.0pp	-0.2%-1.4pp	1.1%-1.1pp	2.2%+1.3pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.050.0	0.050.0	0.050.0	0.060.0	0.060.0	0.060.0	0.060.0	0.06
FCF Margin	22.8%-7.5pp	30.4%+0.6pp	29.8%+7.1pp	22.7%+10.7pp	12.0%-13.2pp	25.1%-2.1pp	27.3%-1.7pp	29.0%

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Frequently Asked Questions

What is Cincinnati Finl Corp's annual revenue?

Cincinnati Finl Corp (CINF) reported $12.6B in total revenue for fiscal year 2025. This represents a 11.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Cincinnati Finl Corp's revenue growing?

Cincinnati Finl Corp (CINF) revenue grew by 11.4% year-over-year, from $11.3B to $12.6B in fiscal year 2025.

Is Cincinnati Finl Corp profitable?

Yes, Cincinnati Finl Corp (CINF) reported a net income of $2.4B in fiscal year 2025, with a net profit margin of 18.9%.

How much debt does Cincinnati Finl Corp have?

As of fiscal year 2025, Cincinnati Finl Corp (CINF) had $1.4B in cash and equivalents against $790.0M in long-term debt.

What is Cincinnati Finl Corp's net profit margin?

Cincinnati Finl Corp (CINF) had a net profit margin of 18.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Cincinnati Finl Corp pay dividends?

Yes, Cincinnati Finl Corp (CINF) paid $3.48 per share in dividends during fiscal year 2025.

What is Cincinnati Finl Corp's return on equity (ROE)?

Cincinnati Finl Corp (CINF) has a return on equity of 15.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Cincinnati Finl Corp's free cash flow?

Cincinnati Finl Corp (CINF) generated $3.1B in free cash flow during fiscal year 2025. This represents a 17.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Cincinnati Finl Corp's operating cash flow?

Cincinnati Finl Corp (CINF) generated $3.1B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Cincinnati Finl Corp's total assets?

Cincinnati Finl Corp (CINF) had $41.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Cincinnati Finl Corp's capital expenditures?

Cincinnati Finl Corp (CINF) invested $20.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Cincinnati Finl Corp buy back shares?

Yes, Cincinnati Finl Corp (CINF) spent $205.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Cincinnati Finl Corp's debt-to-equity ratio?

Cincinnati Finl Corp (CINF) had a debt-to-equity ratio of 0.05 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Cincinnati Finl Corp's return on assets (ROA)?

Cincinnati Finl Corp (CINF) had a return on assets of 5.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Cincinnati Finl Corp's Piotroski F-Score?

Cincinnati Finl Corp (CINF) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Cincinnati Finl Corp's earnings high quality?

Cincinnati Finl Corp (CINF) has an earnings quality ratio of 1.30x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Cincinnati Finl Corp?

Cincinnati Finl Corp (CINF) scores 39 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.