Cincinnati Financial CINF · USD
Financials · Insurance · US listing · 🇺🇸 United States
S&P 500
186.18
+0.38%
Close of 9 Nov 2026, in USD
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At a glance
Figures in USD, from our data supplier.
Revenue, before interest expense
$12.63bn
FY2016FY2025
Net income
$2.39bn
FY2016FY2025
Total assets
$41.00bn
FY2016FY2025
Shareholders' equity
$15.91bn
FY2016FY2025
Income statement
Fiscal years
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | $12.63bn | $11.34bn | $10.01bn | $6.56bn | $9.63bn | $7.54bn | $7.92bn | $5.41bn | $5.73bn | $5.45bn |
| Operating income | $3.01bn | $2.86bn | $2.28bn | −$694.0m | $3.70bn | $1.50bn | $2.47bn | $357.0m | $836.0m | $918.0m |
| Net income | $2.39bn | $2.29bn | $1.84bn | −$487.0m | $2.97bn | $1.22bn | $2.00bn | $287.0m | $1.04bn | $591.0m |
| Diluted earnings per share | 15.17 | 14.53 | 11.68 | -3.08 | 18.26 | 7.50 | 12.08 | 1.76 | 6.31 | 3.55 |
Balance sheet
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | $41.00bn | $36.50bn | $32.77bn | $29.73bn | $31.39bn | $27.54bn | $25.41bn | $21.93bn | $21.84bn | $20.39bn |
| Cash and short-term investments | $19.70bn | $17.46bn | $14.70bn | $13.40bn | $14.16bn | $13.24bn | $12.46bn | $784.0m | $657.0m | $777.0m |
| Total liabilities | $25.09bn | $22.57bn | $20.67bn | $19.17bn | $18.28bn | $16.75bn | $15.54bn | $14.10bn | $13.60bn | $13.33bn |
| Debt | $886.0m | $815.0m | $815.0m | $891.0m | $897.0m | $899.0m | $885.0m | $866.0m | $851.0m | $846.0m |
| Shareholders' equity | $15.91bn | $13.94bn | $12.10bn | $10.56bn | $13.11bn | $10.79bn | $9.86bn | $7.83bn | $8.24bn | $7.06bn |
| Shares outstanding | 158m | 158m | 158m | 158m | 163m | 162m | 165m | 163m | 166m | 167m |
Latest quarters
By quarter end
| Jun 2026 | Mar 2026 | Dec 2025 | Sept 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sept 2024 | |
|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | $4.27bn | $2.86bn | $3.09bn | $3.73bn | $3.25bn | $2.57bn | $2.54bn | $3.32bn |
| Operating income | $4.27bn | $339.0m | $853.0m | $1.41bn | $855.0m | −$128.0m | $479.0m | $1.04bn |
| Net income | $1.25bn | $274.0m | $676.0m | $1.12bn | $685.0m | −$90.0m | $405.0m | $820.0m |
| Diluted earnings per share | 8.05 | 1.76 | 4.29 | 7.11 | 4.34 | -0.57 | 2.57 | 5.20 |
| Total assets | $43.08bn | $41.21bn | $41.00bn | $40.57bn | $38.84bn | $37.28bn | $36.50bn | $37.01bn |
| Cash and short-term investments | $34.03bn | $1.26bn | $19.70bn | $2.46bn | $2.18bn | $2.23bn | $17.46bn | $2.95bn |
| Debt | $17.0m | $816.0m | $815.0m | $815.0m | $815.0m | $815.0m | $815.0m | $874.0m |
| Shareholders' equity | $16.67bn | $15.71bn | $15.91bn | $15.41bn | $14.30bn | $13.72bn | $13.94bn | $13.80bn |
Financial ratios
Data as of 24 Sept 2026
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Operating margin | 23.8% | 25.7% | 22.7% | -9.8% | 39.0% | 20.6% |
| Net margin | 18.9% | 20.2% | 18.4% | -7.4% | 30.8% | 16.1% |
| Return on equity | 15.0% | 16.4% | 15.2% | -4.6% | 22.6% | 11.3% |
| Return on assets | 5.8% | 6.3% | 5.6% | -1.6% | 9.5% | 4.4% |
| Revenue growth | 11.4% | 13.2% | 52.6% | -31.8% | 27.7% | -4.9% |
| Earnings growth | 4.4% | 24.4% | -478.4% | -116.4% | 144.1% | -39.1% |
| Current ratio | 1.29x | 1.31x | 1.26x | 1.26x | 1.38x | 16.67x |
| Debt to equity | 0.05x | 0.06x | 0.07x | 0.08x | 0.07x | 0.01x |
| Equity ratio | 38.8% | 38.2% | 36.9% | 35.5% | 41.8% | 39.2% |
| Interest coverage | 56.83x | 54.92x | 42.15x | -12.09x | 70.77x | 28.76x |
| Buybacks as a share of market value | -0.0% | 0.1% | 0.3% | 2.6% | -0.2% | 1.9% |
Growth per year
Compound annual rate
| 3 years | 5 years | 10 years | |
|---|---|---|---|
| Revenue | 24.4% | 10.9% | 9.4% |
| Operating income | — | 15.0% | 13.1% |
| Net income | — | 14.5% | 14.2% |
Average margins
Over each period
| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Operating margin | 24.5% | 18.4% | 21.9% | 20.7% |
| Net margin | 19.5% | 14.9% | 17.7% | 16.9% |
Valuation history
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Price to earnings | 10.8 | 9.9 | 8.9 | -33.3 | 6.2 | 11.7 | 8.7 | 43.9 | 11.9 | 21.3 |
| Price to sales | 2.0 | 2.0 | 1.6 | 2.5 | 1.9 | 1.9 | 2.2 | 2.3 | 2.2 | 2.3 |
Market value over time
31 Oct 2016 to 23 Sept 2026, in USD
$11.82bn$25.34bn
Share price return
Finished calendar years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Return | 17% | 40% | 1% | -8% | 31% | -19% | 37% | 3% | -4% | 33% |
Dividends and splits
Per share, in the currency the company pays
Paid for 37 years. Last went ex-dividend on 23 Sept 2026.
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | |
|---|---|---|---|---|---|---|---|---|
| Paid in the year | 2.82 | 3.48 | 3.24 | 3.00 | 2.76 | 2.52 | 2.40 | 2.24 |
- 1.05-for-1 split · 4 Apr 2005
- 21-for-20 split · 28 Apr 2004
- 3-for-1 split · 18 May 1998
- 21-for-20 split · 13 Mar 1996
- 21-for-20 split · 13 Mar 1995
- 3-for-1 split · 18 May 1992
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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