Cincinnati Financial Corporation CINF SPXR3KFINANCIAL
Company Overview
Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance; universal life insurance; and worksite and whole life insurance products, as well as annuities. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. The company was founded in 1950 and is headquartered in Fairfield, Ohio.
Why Investors Should Care
Generates a return on equity of 21.5%, reflecting efficient use of shareholder capital.
Net profit has compounded at 10.6% per year over the last five years.
Trades at a P/E of 8.1, below the sector median of 14.5.
Maintains a net profit margin of 23.8%.
Carries low leverage with a debt-to-equity ratio of 0.05.
Offers a dividend yield of 2.10%.
Recent Developments
- Dec 2025 Revenue of $12.63B (+11.4% YoY); net profit $2.39B.
- Trailing 12 Months Year-on-year growth — revenue +31.6%, earnings +85.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 7.3%, profit CAGR 10.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 7.28% |
| 1 Year: | 31.60% |
Compounded Profit Growth
| 5 Years: | 10.64% |
| 1 Year: | 85.50% |
Stock Price Performance
| 1 Year: | +13.59% |
| 6 Months: | +4.63% |
| 3 Months: | +4.08% |
| 1 Month: | -4.43% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)45.41 · Neutral
P/E of 8.08 is below the sector median of 14.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 21.5%.
- Excellent profit margin of 23.8%.
- Profit CAGR of 10.6% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CINF Cincinnati Financial Corporation SPXR3KFINANCIAL | 171.10 | 8.08 | $26.26B | 2.10% | - | 21.48% | 7.28% | 10.64% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | 1.41B | - | - | - | 1.92B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.57B | 3.25B | 3.73B | 3.09B | 2.86B | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -115.00M | 869.00M | 1.43B | 853.00M | 339.00M | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 13.00M | 14.00M | 13.00M | 13.00M | 13.00M | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -128.00M | 855.00M | 1.41B | 840.00M | 326.00M | - |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -38.00M | 170.00M | 291.00M | 164.00M | 52.00M | - |
| Net Income | 174.00M | 156.00M | 188.00M | 123.00M | 180.00M | 100.00M | 201.00M | 100.00M | 102.00M | 642.00M | -31.00M | 217.00M | 553.00M | -452.00M | 695.00M | 428.00M | 248.00M | 626.00M | -1.23B | 909.00M | 484.00M | 1.05B | 620.00M | 703.00M | 153.00M | -266.00M | -818.00M | -416.00M | 225.00M | 534.00M | -99.00M | 755.00M | 312.00M | 820.00M | -90.00M | 685.00M | 1.12B | 676.00M | 274.00M | - |
| Diluted EPS | 1.05 | 0.94 | 1.13 | 0.74 | 1.08 | 0.60 | 1.21 | 0.60 | 0.61 | 3.88 | -0.19 | 1.32 | 3.38 | -2.78 | 4.22 | 2.59 | 1.49 | 3.79 | -7.56 | 5.63 | 2.99 | 6.47 | 3.82 | 4.31 | 0.94 | -1.66 | -5.12 | -2.63 | 1.42 | 3.38 | -0.63 | 4.78 | 1.98 | 5.20 | - | 4.34 | 7.11 | 4.29 | 1.75 | 8.05 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.82B | 3.90B | 3.77B | 3.80B | 4.11B | 4.53B | 4.95B | 5.14B | 5.45B | 5.73B | 5.41B | 7.92B | 7.54B | 9.63B | 6.56B | 10.01B | 11.34B | 12.63B |
| Net Income | 429.00M | 432.00M | 375.00M | 164.00M | 421.00M | 517.00M | 525.00M | 634.00M | 591.00M | 1.04B | 287.00M | 2.00B | 1.22B | 2.97B | -487.00M | 1.84B | 2.29B | 2.39B |
| Diluted EPS | 2.62 | 2.65 | 2.30 | 1.01 | 2.57 | 3.12 | 3.18 | 3.83 | 3.55 | 6.29 | 1.75 | 12.10 | 7.49 | 18.24 | -3.06 | 11.66 | 14.53 | 15.17 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 14.44B | 15.10B | 15.63B | 16.55B | 17.66B | 18.75B | 18.89B | 20.39B | 21.84B | 21.93B | 25.41B | 27.54B | 31.39B | 29.73B | 32.77B | 36.50B | 41.00B |
| Total Equity | 5.93B | 4.18B | 4.76B | 5.01B | 5.03B | 5.45B | 6.07B | 6.57B | 6.43B | 7.06B | 8.24B | 7.83B | 9.86B | 10.79B | 12.76B | 10.56B | 12.10B | 13.94B | 15.91B |
| Cash & Equivalents | 226.00M | 1.01B | 557.00M | 385.00M | 438.00M | 487.00M | 433.00M | 591.00M | 544.00M | 777.00M | 657.00M | 784.00M | 767.00M | 900.00M | 1.14B | - | - | - | - |
| Long Term Debt | - | - | 790.00M | 790.00M | 790.00M | 790.00M | 790.00M | 786.00M | 786.00M | 787.00M | 787.00M | 788.00M | 788.00M | 788.00M | 789.00M | 789.00M | 790.00M | 790.00M | 790.00M |
| Total Liabilities | - | - | 9.68B | 10.06B | 10.60B | 11.10B | 11.59B | 12.18B | 12.46B | 13.33B | 13.60B | 14.10B | 15.54B | 16.75B | 18.28B | 19.17B | 20.67B | 22.57B | 25.09B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 484.00M | 525.00M | 531.00M | 247.00M | 638.00M | 796.00M | 873.00M | 1.07B | 1.11B | 1.05B | 1.18B | 1.21B | 1.49B | - | 2.05B | 2.05B | 2.65B | 3.11B |
| Investing Cash Flow | 1.51B | -815.00M | -529.00M | -8.00M | -304.00M | -509.00M | -311.00M | -624.00M | -456.00M | -558.00M | -451.00M | -679.00M | -560.00M | - | -933.00M | -1.61B | -1.70B | -1.69B |
| Financing Cash Flow | -1.21B | -162.00M | -174.00M | -186.00M | -285.00M | -341.00M | -404.00M | -498.00M | -426.00M | -614.00M | -603.00M | -546.00M | -798.00M | - | -994.00M | -801.00M | -877.00M | -973.00M |
| Capital Expenditure | -36.00M | -42.00M | -17.00M | -7.00M | -6.00M | -7.00M | -9.00M | -10.00M | -13.00M | -16.00M | -20.00M | -24.00M | -20.00M | - | -15.00M | -18.00M | -22.00M | -20.00M |
| Free Cash Flow | 448.00M | 483.00M | 514.00M | 240.00M | 632.00M | 789.00M | 864.00M | 1.06B | 1.10B | 1.04B | 1.16B | 1.18B | 1.47B | - | 2.04B | 2.03B | 2.63B | 3.09B |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 125.00M | -357.00M | 76.00M | 448.00M |
| Share Buybacks | 139.00M | - | 10.00M | 32.00M | 0 | 52.00M | 21.00M | 53.00M | 39.00M | 92.00M | 125.00M | 67.00M | 261.00M | 144.00M | 410.00M | 67.00M | 126.00M | 205.00M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | 11.2% | 11.1% | 9.9% | 4.3% | 10.2% | 11.4% | 10.6% | 12.3% | 10.8% | 18.2% | 5.3% | 25.2% | 16.1% | 30.8% | -7.4% | 18.4% | 20.2% | 18.9% |
| ROE % | 10.3% | 9.1% | 7.5% | 3.3% | 7.7% | 8.5% | 8.0% | 9.9% | 8.4% | 12.7% | 3.7% | 20.2% | 11.3% | 23.3% | -4.6% | 15.2% | 16.4% | 15.0% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 8.22% | 12.61M | $2.17B |
| 2 | Vanguard Capital Management LLC | 6.60% | 10.12M | $1.74B |
| 3 | State Street Corporation | 5.56% | 8.54M | $1.47B |
| 4 | Vanguard Portfolio Management LLC | 5.31% | 8.15M | $1.40B |
| 5 | Charles Schwab Investment Management, Inc. | 3.57% | 5.48M | $942.89M |
| 6 | Geode Capital Management, LLC | 2.74% | 4.21M | $724.13M |
| 7 | First Trust Advisors LP | 2.70% | 4.15M | $712.83M |
| 8 | Invesco Ltd. | 1.74% | 2.67M | $459.36M |
| 9 | Morgan Stanley | 1.25% | 1.91M | $328.87M |
| 10 | Bank of America Corporation | 1.22% | 1.88M | $323.14M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CINF
Cincinnati Financial (CINF) Could Be a Great Choice - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMipAFBVV95cUxNRml0VzFGeUZ6QjgwRWFTSkdVeTNDRVJnU1dJeFJaTV9SeDVpNWViSHhUQ2dwRzZRWFpmdHNBOEMtLWdya0pVNVBlTWhwYmNucnVkaDNvZlJGZzRSRVhTRkhuQ0VjaVRQNEFYcHEzZGNMaVFXbWFCOFJnLVhqM2VZcmNQNGNLeVQtWTI3Rk…
Hsbc Holdings PLC Has $99.69 Million Stock Holdings in Cincinnati Financial Corporation $CINF - marketbeat.com
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Cincinnati Financial (CINF) Dropped, So What Is Behind The Latest Attention? - simplywall.st
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HORAN Wealth LLC Trims Holdings in Cincinnati Financial Corporation $CINF - marketbeat.com
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Cincinnati Financial (CINF) Stock Could Be 22% Overvalued Despite Solid Profitability - Yahoo Finance
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Cincinnati Financial (CINF) Stock Looks Fully Valued on Current Fundamentals - Yahoo Finance
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CINF — Frequently Asked Questions
What is the current share price of Cincinnati Financial Corporation (CINF)?
As of 2026-09-07 16:24 PDT, Cincinnati Financial Corporation (CINF) trades at $171.10 on NasdaqGS. Its 52-week range is $146.51 to $192.03.
What is the market capitalisation of CINF?
Cincinnati Financial Corporation (CINF) has a market capitalisation of $26.26B on NasdaqGS.
What is the P/E ratio of CINF?
CINF trades at a trailing price-to-earnings (P/E) ratio of 8.08. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.63.
Does CINF pay a dividend?
Cincinnati Financial Corporation (CINF) currently offers a dividend yield of 2.10%.
What is the return on equity (ROE) of CINF?
CINF has a return on equity (ROE) of 21.48%.
Is CINF a good stock to buy?
This page provides a data-driven analysis of Cincinnati Financial Corporation (CINF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.