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

Trailing 12 months to June 30, 2026

Revenue $14.0B +19.6% YoY

Net Income $3.3B +82.8% YoY

EPS (Diluted) $21.20 +83.9% YoY

Free Cash Flow $3.4B +31.4% YoY

Market Cap $26.2B as of Sep 2, 2026

Price / Sales 1.9x on $14.0B revenue, trailing 12 months to June 30, 2026

Price / Earnings 7.9x on $3.3B net income, trailing 12 months to June 30, 2026

Price / Book 1.6x on $16.7B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 27, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 27, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CINF SEC filings page.

Cincinnati Finl Corp (CINF) reported $14.0B in revenue over the twelve months to Jun 30, 2026, up 19.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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 2026-08-30

Cincinnati Financial’s dominant mechanic is asset-backed compounding: equity and cash generation expand while leverage stays restrained.

Cash conversion is stronger than earnings alone suggest: in FY2025, operating cash flow exceeded net income, while free cash flow nearly matched operating cash flow, indicating reported profits were not dependent on heavy reinvestment. As net margin eased to 19.0% in FY2025, free-cash-flow margin climbed to 24.5% from FY2024, showing cash economics improved even as accounting margin softened.

Balance-sheet growth appears equity-supported rather than debt-led: long-term debt was $861M in FY2025 while total assets reached $41.0B. Retained earnings and total equity expanded alongside assets, so the larger balance sheet did not require a comparable increase in borrowing.

FY2022’s -$487M net loss coincided with operating cash flow of $2.1B, revealing that accounting results can be much more volatile than the underlying cash-producing activity. Profitability then recovered through FY2025, while operating cash flow remained positive across every reported period.

Financial Health Signals

Financial Health Score 40/100

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

Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Cincinnati Finl Corp scores 43/100 on it among other insurers.

Premium Growth

Not available for Cincinnati Finl Corp, and counted as zero in the overall score.

Capital

Cincinnati Finl Corp funded 38.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $15.9B of equity against $41.0B of assets. Capital ranks insurers on that cushion, and Cincinnati Finl Corp scores 80/100 among other insurers.

Investment Yield

Not available for Cincinnati Finl Corp, and counted as zero in the overall score.

Combined Ratio

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Cincinnati Finl Corp scores 63/100 on it among other insurers.

Stability

Cincinnati Finl Corp reported net income of $2.4B in fiscal year 2025, against $2.3B in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Cincinnati Finl Corp scores 52/100 among other insurers.

Piotroski F-Score Partial

5/7

Cincinnati Finl Corp passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 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

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Earnings & Revenue

Revenue

$4.3B

YoY+31.6%

QoQ+49.3%

5Y CAGR+13.2%

Cincinnati Finl Corp generated $4.3B in revenue in Q2 2026. This represents an increase of 31.6% from the same quarter a year earlier. Against the prior quarter it is up 49.3%.

Net Income

$1.3B

YoY+83.2%

QoQ+358.0%

5Y CAGR+12.3%

10Y CAGR+26.1%

Cincinnati Finl Corp reported $1.3B in net income in Q2 2026. This represents an increase of 83.2% from the same quarter a year earlier. Against the prior quarter it is up 358.0%.

EPS (Diluted)

$8.05

YoY+85.5%

QoQ+360.0%

5Y CAGR+13.3%

10Y CAGR+27.0%

Cincinnati Finl Corp earned $8.05 per diluted share (EPS) in Q2 2026. This represents an increase of 85.5% from the same quarter a year earlier. Against the prior quarter it is up 360.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$698.0M

YoY-5.3%

QoQ+6.7%

5Y CAGR+4.5%

10Y CAGR+11.7%

Cincinnati Finl Corp generated $698.0M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 5.3% from the same quarter a year earlier. Against the prior quarter it is up 6.7%.

Cash & Debt

$1.8B

YoY+75.9%

QoQ+44.6%

5Y CAGR+11.8%

10Y CAGR+12.3%

Cincinnati Finl Corp held $1.8B in cash against $859.0M in long-term debt as of Q2 2026.

Dividends Per Share

$0.94

YoY+8.0%

QoQ0.0%

Cincinnati Finl Corp paid $0.94 per share in dividends in Q2 2026. This represents an increase of 8.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

153M

YoY-1.9%

QoQ-0.8%

5Y CAGR-1.0%

10Y CAGR-0.7%

Cincinnati Finl Corp had 153M shares outstanding in Q2 2026. This represents a decrease of 1.9% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

Margins & Returns

Net Margin

29.4%

YoY+8.3pp

QoQ+19.8pp

5Y CAGR-1.3pp

Cincinnati Finl Corp's net profit margin was 29.4% in Q2 2026, showing the share of revenue converted to profit. This is up 8.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 19.8 percentage points.

Return on Equity

7.5%

YoY+2.7pp

QoQ+5.8pp

5Y CAGR+1.6pp

10Y CAGR+5.8pp

Cincinnati Finl Corp's ROE was 7.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 2.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.8 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$216.0M

QoQ+20.7%

10Y CAGR+59.7%

Cincinnati Finl Corp spent $216.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is up 20.7%.

Capital Expenditures

$2.0M

YoY-50.0%

QoQ0.0%

5Y CAGR-12.9%

10Y CAGR-6.7%

Cincinnati Finl Corp invested $2.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 50.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

R&D Spending

Not reported for Q2 2026.

CINF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CINF quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$14.0B	$12.6B+11.4%	$11.3B+13.2%	$10.0B+52.6%	$6.6B-31.8%	$9.6B+27.7%	$7.5B-4.9%	$7.9B+46.6%	$5.4B-5.7%	$5.7B+5.2%	$5.4B+6.0%	$5.1B+4.0%	$4.9B+9.1%	$4.5B+10.2%	$4.1B+8.1%	$3.8B
Interest Expense	$53.0M	$53.0M0.0%	$53.0M-1.9%	$54.0M+1.9%	$53.0M0.0%	$53.0M-1.9%	$54.0M+1.9%	$53.0M0.0%	$53.0M0.0%	$53.0M0.0%	$53.0M0.0%	$53.0M0.0%	$53.0M-1.9%	$54.0M0.0%	$54.0M0.0%	$54.0M
Income Tax	$828.0M	$587.0M+3.7%	$566.0M+30.7%	$433.0M+309.2%	-$207.0M-128.4%	$730.0M+158.0%	$283.0M-40.4%	$475.0M+1419.4%	-$36.0M+88.6%	-$315.0M-242.5%	$221.0M-10.5%	$247.0M+26.0%	$196.0M-0.5%	$197.0M+35.9%	$145.0M+1511.1%	$9.0M
Net Income	$3.3B	$2.4B+4.4%	$2.3B+24.4%	$1.8B+478.4%	-$487.0M-116.4%	$3.0B+144.1%	$1.2B-39.1%	$2.0B+595.8%	$287.0M-72.5%	$1.0B+76.8%	$591.0M-6.8%	$634.0M+20.8%	$525.0M+1.5%	$517.0M+22.8%	$421.0M+156.7%	$164.0M
EPS (Diluted)	$21.20	$15.17+4.4%	$14.53+24.6%	$11.66+481.0%	-$3.06-116.8%	$18.24+143.5%	$7.49-38.1%	$12.10+591.4%	$1.75-72.2%	$6.29+77.2%	$3.55-7.3%	$3.83+20.4%	$3.18+1.9%	$3.12+21.4%	$2.57+154.5%	$1.01

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$4.3B+31.6%	$2.9B+11.6%	$3.1B+21.8%	$3.7B+12.2%	$3.2B+27.7%	$2.6B-12.6%	$2.5B-24.4%	$3.3B+83.3%
Interest Expense	$14.0M0.0%	$13.0M0.0%	$13.0M0.0%	$13.0M0.0%	$14.0M0.0%	$13.0M0.0%	$13.0M-7.1%	$13.0M0.0%
Income Tax	$321.0M+88.8%	$52.0M+236.8%	$164.0M+121.6%	$291.0M+32.3%	$170.0M+129.7%	-$38.0M-119.2%	$74.0M-75.9%	$220.0M+549.0%
Net Income	$1.3B+83.2%	$274.0M+404.4%	$676.0M+66.9%	$1.1B+36.8%	$685.0M+119.6%	-$90.0M-111.9%	$405.0M-65.8%	$820.0M+928.3%
EPS (Diluted)	$8.05+85.5%	$1.75+407.0%	$4.29+67.6%	$7.11+36.7%	$4.34+119.2%	-$0.57-111.9%	$2.56-65.8%	$5.20+925.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, EPS (Basic), Diluted Shares (Avg).

CINF Balance Sheet

CINF quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$41.0B+12.3%	$36.5B+11.4%	$32.8B+10.2%	$29.7B-5.3%	$31.4B+14.0%	$27.5B+8.4%	$25.4B+15.8%	$21.9B+0.4%	$21.8B+7.1%	$20.4B+7.9%	$18.9B+0.7%	$18.7B+6.1%	$17.7B+6.7%	$16.5B+5.8%	$15.6B
Cash & Equivalents	$1.4B+45.6%	$983.0M+8.4%	$907.0M-28.2%	$1.3B+11.0%	$1.1B+26.6%	$900.0M+17.3%	$767.0M-2.2%	$784.0M+19.3%	$657.0M-15.4%	$777.0M+42.8%	$544.0M-8.0%	$591.0M+36.5%	$433.0M-11.1%	$487.0M+11.2%	$438.0M
Short-Term Investments	$148.0M-50.3%	$298.0M	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$25.1B+11.2%	$22.6B+9.2%	$20.7B+7.8%	$19.2B+4.9%	$18.3B+9.1%	$16.8B+7.8%	$15.5B+10.2%	$14.1B+3.7%	$13.6B+2.1%	$13.3B+6.9%	$12.5B+2.3%	$12.2B+5.0%	$11.6B+4.5%	$11.1B+4.7%	$10.6B
Long-Term Debt	$861.0M+1.3%	$850.0M+0.1%	$849.0M+1.0%	$841.0M-0.2%	$843.0M-0.2%	$845.0M-0.1%	$846.0M+1.4%	$834.0M+0.8%	$827.0M+0.1%	$826.0M+0.6%	$821.0M-0.1%	$822.0M-1.6%	$835.0M+1.0%	$827.0M+0.7%	$821.0M
Total Equity	$15.9B+14.2%	$13.9B+15.2%	$12.1B+14.5%	$10.6B-17.3%	$12.8B+18.3%	$10.8B+9.4%	$9.9B+25.9%	$7.8B-5.0%	$8.2B+16.8%	$7.1B+9.8%	$6.4B-2.2%	$6.6B+8.3%	$6.1B+11.3%	$5.5B+8.3%	$5.0B
Retained Earnings	$16.7B+12.4%	$14.9B+13.6%	$13.1B+11.7%	$11.7B-7.2%	$12.6B+25.2%	$10.1B+8.9%	$9.3B+21.4%	$7.6B+47.2%	$5.2B+2.8%	$5.0B+5.8%	$4.8B+5.7%	$4.5B+5.6%	$4.3B+6.1%	$4.0B+4.1%	$3.9B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$43.2B+11.3%	$41.2B+10.6%	$41.0B+12.3%	$40.6B+9.6%	$38.8B+11.6%	$37.3B+10.5%	$36.5B+11.4%	$37.0B+19.7%
Cash & Equivalents	$1.8B+75.9%	$1.2B+19.8%	$1.4B+45.6%	$1.5B-16.7%	$995.0M+29.1%	$1.0B+63.2%	$983.0M+8.4%	$1.8B+94.9%
Short-Term Investments	$142.0M+42.0%	$49.0M-51.0%	$148.0M-50.3%	$149.0M	$100.0M	$100.0M	$298.0M	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$26.6B+8.2%	$25.5B+8.2%	$25.1B+11.2%	$25.2B+8.4%	$24.5B+11.4%	$23.6B+11.8%	$22.6B+9.2%	$23.2B+14.4%
Long-Term Debt	$859.0M0.0%	$859.0M+0.7%	$861.0M+1.3%	$858.0M+1.1%	$859.0M+1.2%	$853.0M+0.6%	$850.0M+0.1%	$849.0M+0.6%
Total Equity	$16.7B+16.6%	$15.7B+14.6%	$15.9B+14.2%	$15.4B+11.6%	$14.3B+11.9%	$13.7B+8.4%	$13.9B+15.2%	$13.8B+29.9%
Retained Earnings	$18.0B+18.2%	$16.8B+15.1%	$16.7B+12.4%	$16.2B+10.9%	$15.2B+9.3%	$14.6B+6.8%	$14.9B+13.6%	$14.6B+21.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.

CINF Cash Flow Statement

CINF quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$3.4B	$3.1B+17.5%	$2.6B+29.1%	$2.1B0.0%	$2.1B+3.6%	$2.0B+32.9%	$1.5B+23.4%	$1.2B+2.3%	$1.2B+12.3%	$1.1B-5.7%	$1.1B+3.7%	$1.1B+23.1%	$873.0M+9.7%	$796.0M+24.8%	$638.0M+158.3%	$247.0M
Depreciation & Amortization	N/A	$54.0M+8.0%	$50.0M+13.6%	$44.0M-6.4%	$47.0M-49.5%	$93.0M+14.8%	$81.0M+12.5%	$72.0M+14.3%	$63.0M+14.5%	$55.0M+14.6%	$48.0M-7.7%	$52.0M+2.0%	$51.0M+2.0%	$50.0M+13.6%	$44.0M+4.8%	$42.0M
Capital Expenditures	$17.0M	$20.0M-9.1%	$22.0M+22.2%	$18.0M+20.0%	$15.0M0.0%	$15.0M-25.0%	$20.0M-16.7%	$24.0M+20.0%	$20.0M+25.0%	$16.0M+23.1%	$13.0M+30.0%	$10.0M+11.1%	$9.0M+28.6%	$7.0M+16.7%	$6.0M-14.3%	$7.0M
Free Cash Flow	$3.4B	$3.1B+17.7%	$2.6B+29.2%	$2.0B-0.1%	$2.0B+3.6%	$2.0B+33.7%	$1.5B+24.2%	$1.2B+2.0%	$1.2B+12.1%	$1.0B-6.0%	$1.1B+3.5%	$1.1B+23.3%	$864.0M+9.5%	$789.0M+24.8%	$632.0M+163.3%	$240.0M
Investing Cash Flow	-$1.3B	-$1.7B+0.3%	-$1.7B-5.5%	-$1.6B-72.3%	-$933.0M+11.7%	-$1.1B-88.8%	-$560.0M+17.5%	-$679.0M-50.6%	-$451.0M+19.2%	-$558.0M-22.4%	-$456.0M+26.9%	-$624.0M-100.6%	-$311.0M+38.9%	-$509.0M-67.4%	-$304.0M-3700.0%	-$8.0M
Financing Cash Flow	-$1.3B	-$973.0M-10.9%	-$877.0M-9.5%	-$801.0M+19.4%	-$994.0M-45.1%	-$685.0M+14.2%	-$798.0M-46.2%	-$546.0M+9.5%	-$603.0M+1.8%	-$614.0M-44.1%	-$426.0M+14.5%	-$498.0M-23.3%	-$404.0M-18.5%	-$341.0M-19.6%	-$285.0M-53.2%	-$186.0M
Dividends Paid	$543.0M	$525.0M+7.1%	$490.0M+7.9%	$454.0M+7.3%	$423.0M+7.1%	$395.0M+5.3%	$375.0M+5.6%	$355.0M+5.7%	$336.0M-16.0%	$400.0M+30.7%	$306.0M-16.4%	$366.0M+31.7%	$278.0M+5.7%	$263.0M+2.7%	$256.0M+0.4%	$255.0M
Share Buybacks	$558.0M	$205.0M+62.7%	$126.0M+88.1%	$67.0M-83.7%	$410.0M+184.7%	$144.0M-44.8%	$261.0M+289.6%	$67.0M-46.4%	$125.0M+35.9%	$92.0M+135.9%	$39.0M-26.4%	$53.0M+152.4%	$21.0M-59.6%	$52.0M	$0-100.0%	$32.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$700.0M-5.5%	$656.0M+111.6%	$947.0M+47.5%	$1.1B+22.1%	$741.0M-0.1%	$310.0M-12.2%	$642.0M+11.3%	$912.0M+40.3%
Capital Expenditures	$2.0M-50.0%	$2.0M-33.3%	$8.0M+100.0%	$5.0M-16.7%	$4.0M-20.0%	$3.0M-57.1%	$4.0M-50.0%	$6.0M+200.0%
Free Cash Flow	$698.0M-5.3%	$654.0M+113.0%	$939.0M+47.2%	$1.1B+22.4%	$737.0M0.0%	$307.0M-11.3%	$638.0M+12.1%	$906.0M+39.8%
Investing Cash Flow	$243.0M+143.7%	-$493.0M-750.0%	-$674.0M+44.2%	-$403.0M-260.6%	-$556.0M-44.4%	-$58.0M+83.7%	-$1.2B-226.2%	$251.0M+178.9%
Financing Cash Flow	-$403.0M-101.5%	-$384.0M-70.7%	-$302.0M-48.0%	-$246.0M-35.2%	-$200.0M+2.4%	-$225.0M+21.3%	-$204.0M-2.5%	-$182.0M-0.6%
Dividends Paid	$143.0M+7.5%	$133.0M+6.4%	$133.0M+6.4%	$134.0M+8.1%	$133.0M+6.4%	$125.0M+7.8%	$125.0M+7.8%	$124.0M+7.8%
Share Buybacks	$216.0M	$179.0M+326.2%	$103.0M+1960.0%	$60.0M	$0-100.0%	$42.0M-44.0%	$5.0M	$0-100.0%

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation.

CINF Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CINF quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	18.9%-1.3pp	20.2%+1.8pp	18.4%+25.8pp	-7.4%-38.3pp	30.8%+14.7pp	16.1%-9.1pp	25.2%+19.9pp	5.3%-12.9pp	18.2%+7.4pp	10.8%-1.5pp	12.3%+1.7pp	10.6%-0.8pp	11.4%+1.2pp	10.2%+5.9pp	4.3%
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%-9.0pp	20.3%+16.6pp	3.7%-9.0pp	12.7%+4.3pp	8.4%-1.5pp	9.9%+1.9pp	8.0%-0.5pp	8.5%+0.8pp	7.7%+4.5pp	3.3%
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%-3.4pp	7.9%+6.6pp	1.3%-3.5pp	4.8%+1.9pp	2.9%-0.5pp	3.4%+0.6pp	2.8%-0.1pp	2.9%+0.4pp	2.5%+1.5pp	1.1%
Debt-to-Equity	0.050.0x	0.060.0x	0.070.0x	0.080.0x	0.070.0x	0.080.0x	0.090.0x	0.110.0x	0.100.0x	0.120.0x	0.130.0x	0.130.0x	0.140.0x	0.150.0x	0.16
FCF Margin	24.5%+1.3pp	23.2%+2.9pp	20.3%-10.7pp	31.0%+10.6pp	20.4%+0.9pp	19.5%+4.6pp	14.9%-6.5pp	21.5%+3.4pp	18.1%-2.1pp	20.2%-0.5pp	20.7%+3.2pp	17.5%+0.1pp	17.4%+2.0pp	15.4%+9.1pp	6.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	29.4%+8.3pp	9.6%+13.1pp	21.9%+5.9pp	30.1%+5.4pp	21.1%+8.8pp	-3.5%-29.2pp	16.0%-19.3pp	24.7%+30.2pp
Return on Equity	7.5%+2.7pp	1.7%+2.4pp	4.3%+1.3pp	7.3%+1.3pp	4.8%+2.3pp	-0.7%-6.6pp	2.9%-6.9pp	5.9%+6.9pp
Return on Assets	2.9%+1.1pp	0.7%+0.9pp	1.7%+0.5pp	2.8%+0.5pp	1.8%+0.9pp	-0.2%-2.5pp	1.1%-2.5pp	2.2%+2.5pp
Debt-to-Equity	0.050.0x	0.050.0x	0.050.0x	0.060.0x	0.060.0x	0.060.0x	0.060.0x	0.060.0x
FCF Margin	16.3%-6.4pp	22.8%+10.9pp	30.4%+5.2pp	29.8%+2.5pp	22.7%-6.3pp	12.0%+0.2pp	25.1%+8.2pp	27.3%-8.5pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Asset Turnover.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Cincinnati Finl Corp CINF	FY2025	$12.6B	$2.4B	18.9%	$26.2B	40/100
Markel Corporation MKL	FY2025	$15.5B	$2.1B	13.6%	$22.3B	24/100
W.R Berkley WRB	FY2025	$14.7B	$1.8B	12.1%	$25.1B	52/100
Loews L	FY2025	$18.5B	$1.7B	9.0%	$22.2B	27/100
The Hartford Insurance Group Inc HIG	FY2025	$28.4B	$3.8B	13.5%	$37.1B	36/100
CNA Financial CNA	FY2025	$15.0B	$1.3B	8.5%	$13.1B	35/100

Where Cincinnati Finl Corp Ranks

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 $861.0M 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.

How many shares does Cincinnati Finl Corp have outstanding?

Cincinnati Finl Corp (CINF) had 156M shares outstanding as of fiscal year 2025.

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 P/E ratio?

Cincinnati Finl Corp (CINF) trades at 7.9x earnings, its market capitalization divided by net income of $3.3B net income, trailing 12 months to June 30, 2026. The market capitalization is $26.2B as of Sep 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Cincinnati Finl Corp's price-to-sales ratio?

Cincinnati Finl Corp (CINF) trades at 1.9x sales, its market capitalization divided by revenue of $14.0B revenue, trailing 12 months to June 30, 2026. The market capitalization is $26.2B as of Sep 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Cincinnati Finl Corp (CINF) has a Piotroski F-Score of 5 out of 7 computable signals; 2 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 40 out of 100 on our Financial Health Score, indicating moderate 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.