CINF · Cincinnati Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.86B | - | $3.73B | $3.25B | $2.57B | - | $3.32B | $2.54B | $2.94B | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $326.00M | - | $1.41B | $855.00M | ($128.00M) | - | $1.04B | $386.00M | $953.00M | - |
| Interest Expense | $13.00M | - | $13.00M | $14.00M | $13.00M | - | $13.00M | $14.00M | $13.00M | - |
| Income Tax | $52.00M | - | $291.00M | $170.00M | ($38.00M) | - | $220.00M | $74.00M | $198.00M | - |
| Net Income | $274.00M | - | $1.12B | $685.00M | ($90.00M) | - | $820.00M | $312.00M | $755.00M | - |
| EPS - Basic | $1.77 | - | $7.19 | $4.38 | ($0.57) | - | $5.25 | $1.99 | $4.82 | - |
| EPS - Diluted | $1.75 | - | $7.11 | $4.34 | ($0.57) | - | $5.20 | $1.98 | $4.78 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.43B | $1.43B | $1.46B | $995.00M | $983.00M | $983.00M | $1.75B | $771.00M | $619.00M | $907.00M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $41.21B | $41.00B | $40.57B | $38.84B | $37.28B | $36.50B | $37.01B | $34.80B | $33.73B | $32.77B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $791.00M | $790.00M | $790.00M | $790.00M | $790.00M | $790.00M | $790.00M | $790.00M | $790.00M | $790.00M |
| Total Liabilities | $25.50B | $25.09B | $25.16B | $24.54B | $23.56B | $22.57B | $23.20B | $22.02B | $21.07B | $20.67B |
| Stockholders' Equity | $15.71B | $15.91B | $15.41B | $14.30B | $13.72B | $13.94B | $13.80B | $12.78B | $12.65B | $12.10B |
| Retained Earnings | $16.85B | $16.72B | $16.18B | $15.19B | $14.64B | $14.87B | $14.59B | $13.90B | $13.71B | $13.08B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $656.00M | - | - | - | $310.00M | - | - | - | $353.00M | - |
| Investing Cash Flow | ($493.00M) | - | - | - | ($58.00M) | - | - | - | ($355.00M) | - |
| Financing Cash Flow | ($384.00M) | - | - | - | ($225.00M) | - | - | - | ($286.00M) | - |
| CapEx | $2.00M | - | - | - | $3.00M | - | - | - | $7.00M | - |
| Free Cash Flow | $654.00M | - | - | - | $307.00M | - | - | - | $346.00M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 11.4% | - | 37.9% | 26.3% | -5.0% | - | 31.3% | 15.2% | 32.5% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | 9.6% | - | 30.1% | 21.1% | -3.5% | - | 24.7% | 12.3% | 25.7% | - |
| Free cash flow margin | 22.8% | - | - | - | 12.0% | - | - | - | 11.8% | - |
| FCF / Net income | 2.39 | - | - | - | -3.41 | - | - | - | 0.46 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 16.0% | - | 20.6% | 19.9% | - | - | 21.2% | 19.2% | 20.8% | - |
| Return on assets | 0.7% | - | 2.8% | 1.8% | -0.2% | - | 2.2% | 0.9% | 2.2% | - |
| Return on equity | 1.7% | - | 7.3% | 4.8% | -0.7% | - | 5.9% | 2.4% | 6.0% | - |
| Return on invested capital | 1.7% | - | 6.9% | 4.5% | -0.7% | - | 5.6% | 2.3% | 5.6% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 |
| Debt / Assets | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 25.1x | - | 108.7x | 61.1x | -9.8x | - | 80.0x | 27.6x | 73.3x | - |
| Equity multiplier | 2.62 | 2.58 | 2.63 | 2.72 | 2.72 | 2.62 | 2.68 | 2.72 | 2.67 | 2.71 |
| Liabilities / Assets | 0.62 | 0.61 | 0.62 | 0.63 | 0.63 | 0.62 | 0.63 | 0.63 | 0.62 | 0.63 |
| Efficiency | ||||||||||
| Asset turnover | 0.07 | - | 0.09 | 0.08 | 0.07 | - | 0.09 | 0.07 | 0.09 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 89.9x | - | 22.2x | 34.3x | - | - | 26.2x | 59.6x | 26.0x | - |
| P / B | 1.6x | - | 1.6x | 1.6x | 1.7x | - | 1.6x | 1.5x | 1.5x | - |
| P / S | 8.6x | - | 6.7x | 7.2x | 9.0x | - | 6.5x | 7.3x | 6.7x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 11.6% | - | 12.2% | 27.7% | -12.6% | - | 83.3% | -2.3% | 31.0% | - |
| Revenue CAGR (3y) | 8.5% | - | 38.3% | 58.2% | 28.3% | - | 23.0% | 3.5% | 9.6% | - |
| Revenue CAGR (5y) | 5.2% | - | 10.8% | 3.7% | - | - | 14.3% | 5.9% | 6.3% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | 35.9% | 121.5% | - | - | - | -42.0% | 255.6% | - |
| Net income growth (YoY) | - | - | 36.8% | 119.6% | - | - | - | -41.6% | 235.6% | - |
| EPS growth (YoY) | - | - | 36.7% | 119.2% | - | - | - | -41.4% | 236.6% | - |
| EPS CAGR (3y) | 7.2% | - | - | - | - | - | 76.9% | -22.8% | 7.8% | - |
| EPS CAGR (5y) | -14.5% | - | 18.9% | -5.1% | - | - | 28.4% | -5.2% | 2.5% | - |
| FCF growth (YoY) | 113.0% | - | - | - | -11.3% | - | - | - | 40.7% | - |
| FCF CAGR (5y) | 13.4% | - | - | - | 13.5% | - | - | - | 12.2% | - |
| Book value growth (YoY) | 14.6% | 14.2% | 11.6% | 11.9% | 8.4% | 15.2% | 29.9% | 15.8% | 17.8% | 14.9% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$11.72B totalCommercial Lines Insurance$4.87B · 41.5%
Personal Lines Insurance$3.20B · 27.3%
Investment Segment Of CINF$2.61B · 22.2%
Excessand Surplus Lines Insurance$702.00M · 6.0%
Life Insurance$336.00M · 2.9%
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
Comparing CINCINNATI FINANCIAL CORP against the 5 most active filers in the same SIC group.
Dividends
$3.55/share trailing 12 months · +7.6% YoY
| Ex-date | Per share |
|---|---|
| Mar 24, 2026 | $0.9400 |
| Dec 22, 2025 | $0.8700 |
| Sep 22, 2025 | $0.8700 |
| Jun 23, 2025 | $0.8700 |
| Mar 24, 2025 | $0.8700 |
| Dec 19, 2024 | $0.8100 |
| Sep 17, 2024 | $0.8100 |
| Jun 18, 2024 | $0.8100 |
| Mar 18, 2024 | $0.8100 |
| Dec 18, 2023 | $0.7500 |
| Sep 15, 2023 | $0.7500 |
| Jun 15, 2023 | $0.7500 |
| Mar 16, 2023 | $0.7500 |
| Dec 15, 2022 | $0.6900 |
| Sep 15, 2022 | $0.6900 |
| Jun 16, 2022 | $0.6900 |
| Mar 17, 2022 | $0.6900 |
| Dec 15, 2021 | $0.6300 |
| Sep 15, 2021 | $0.6300 |
| Jun 16, 2021 | $0.6300 |
| Mar 16, 2021 | $0.6300 |
| Dec 15, 2020 | $0.6000 |
| Sep 15, 2020 | $0.6000 |
| Jun 16, 2020 | $0.6000 |