CINF

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Cincinnati Financial Corp.

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Key Metrics

Previous Close: $168.49
52-Week Range: $150.00 – $194.81
Market Cap: $25.81B
P/E (TTM): 7.94
EPS (TTM): 21.18
Dividend Yield: 2.23%

Advanced Metrics

Price/Book: 1.55
PEG Ratio: 2.19
Return on Equity: 21.48%
Return on Assets: 6.41%
Gross Margin: 31.07%
Operating Margin: 37.20%
Profit Margin: 23.84%
Current Ratio: 1.15
Debt/Equity: 0.05
Total Debt: $876.00M
Free Cash Flow: $2.98B
Revenue Growth: 31.60%
Earnings Growth: 85.50%
Enterprise Value: $24.80B

CINF Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$6.56B	$10.01B	$11.34B	$12.63B
Pretax Income	-$694.00M	$2.28B	$2.86B	$2.98B
Income Tax	-$207.00M	$433.00M	$566.00M	$587.00M
Net Income	-$487.00M	$1.84B	$2.29B	$2.39B
Diluted EPS	-3.06	11.66	14.53	15.17
Diluted Shares	158.82M	158.10M	157.80M	157.70M

CINF Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$1.26B	$907.00M	$983.00M	$1.43B
Receivables	$3.24B	$3.54B	$3.83B	$4.18B
Total Assets	$29.73B	$32.77B	$36.50B	$41.00B
Long-Term Debt	$789.00M	$790.00M	$790.00M	$790.00M
Total Debt	$891.00M	$874.00M	$875.00M	$886.00M
Total Liabilities	$19.17B	$20.67B	$22.57B	$25.09B
Retained Earnings	$11.71B	$13.08B	$14.87B	$16.72B
Shareholders' Equity	$10.56B	$12.10B	$13.94B	$15.91B

CINF Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$2.05B	$2.05B	$2.65B	$3.11B
Capital Expenditure	-$15.00M	-$18.00M	-$22.00M	-$20.00M
Free Cash Flow	$2.04B	$2.03B	$2.63B	$3.09B
Depreciation & Amortisation	$127.00M	$112.00M	$130.00M	$168.00M
Investing Cash Flow	-$933.00M	-$1.61B	-$1.70B	-$1.69B
Financing Cash Flow	-$994.00M	-$801.00M	-$877.00M	-$973.00M
Dividends Paid	-$423.00M	-$454.00M	-$490.00M	-$525.00M
Share Repurchases	-$410.00M	-$67.00M	-$126.00M	-$205.00M
Net Change in Cash	$125.00M	-$357.00M	$76.00M	$448.00M

CINF Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$3.25B	$3.73B	$3.09B	$2.86B	—
Pretax Income	$855.00M	$1.41B	$840.00M	$326.00M	—
Income Tax	$170.00M	$291.00M	$164.00M	$52.00M	—
Net Income	$685.00M	$1.12B	$676.00M	$274.00M	—
Diluted EPS	4.34	7.11	4.29	1.75	8.05
Diluted Shares	157.80M	157.80M	157.50M	157.00M	155.70M

CINF Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$1.01B	$995.00M	$1.46B	$1.43B	$1.21B
Receivables	$4.32B	$4.51B	$4.37B	$4.18B	$4.34B
Total Assets	$37.28B	$38.84B	$40.57B	$41.00B	$41.21B
Long-Term Debt	$790.00M	$790.00M	$790.00M	$790.00M	$791.00M
Total Debt	$878.00M	$884.00M	$883.00M	$886.00M	$884.00M
Total Liabilities	$23.56B	$24.54B	$25.16B	$25.09B	$25.50B
Retained Earnings	$14.64B	$15.19B	$16.18B	$16.72B	$16.85B
Shareholders' Equity	$13.72B	$14.30B	$15.41B	$15.91B	$15.71B

CINF Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$310.00M	$741.00M	$1.11B	$947.00M	$656.00M
Capital Expenditure	-$3.00M	-$4.00M	-$5.00M	-$8.00M	-$2.00M
Free Cash Flow	$307.00M	$737.00M	$1.11B	$939.00M	$654.00M
Depreciation & Amortisation	$47.00M	$46.00M	$33.00M	$42.00M	$40.00M
Investing Cash Flow	-$58.00M	-$556.00M	-$403.00M	-$674.00M	-$493.00M
Financing Cash Flow	-$225.00M	-$200.00M	-$246.00M	-$302.00M	-$384.00M
Dividends Paid	-$125.00M	-$133.00M	-$134.00M	-$133.00M	-$133.00M
Share Repurchases	-$42.00M	$0.00	-$60.00M	-$103.00M	-$179.00M
Net Change in Cash	$27.00M	-$15.00M	$465.00M	-$29.00M	-$221.00M

Market Snapshot

About

Cincinnati Financial Corporation is a property and casualty insurance company that markets its products through independent insurance agents. Headquartered in Fairfield, Ohio, the company operates in two main segments: insurance operations and investment operations. Cincinnati Financial offers business, home, and auto insurance coverage across 48 states, with a strong presence in the Midwest and Southeast regions. The company is known for its conservative underwriting approach, strong relationships with independent agents, and a substantial investment portfolio that includes a significant equity component.