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Cincinnati Financial Corporation

CINF Financial Insurance Property & Casualty

Cincinnati Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $12.6 billion, up 11.4% from fiscal 2024.

Revenue: −18.2%
EPS: −58.4%
Free cash flow: −29.0%
Total debt: −0.91%

Quarter to September 2026, against a year earlier

187.94 2.54 −1.33%

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Market cap: $28.9B
P/E: 10.9×
Fwd P/E: 11.6×
Dividend yield: 1.96%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Segments Valuation Filings

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	21.17	11.47	43.99	8.61	11.47	6.23	0.00	9.03	9.84	10.65
Piotroski F-Score Full definition →	6	6	6	8	5	8	5	8	8	6
P/S ratio Full definition →	2.29	2.09	2.34	2.17	1.87	1.91	2.52	1.66	1.98	2.02
P/FCF ratio Full definition →	11.31	11.58	10.88	14.49	9.57	9.33	8.11	8.17	8.56	8.25
P/Operating CF Full definition →	44.53	39.21	35.59	52.32	37.86	39.62	26.18	28.81	35.01	26.92
P/B ratio Full definition →	1.77	1.46	1.61	1.74	1.31	1.40	1.56	1.37	1.61	1.60
Price to Tangible BV Full definition →	1.77	1.46	1.61	1.74	1.31	1.40	1.56	1.37	1.61	1.60
EV/Sales Full definition →	2.30	2.13	2.35	2.18	1.87	1.88	2.46	1.66	1.97	1.98
EV/EBITDA Full definition →	13.73	14.55	34.65	6.65	8.47	4.68	0.00	6.79	7.36	7.79
EV/Operating CF Full definition →	11.24	11.59	10.77	14.30	9.45	9.14	7.87	8.08	8.44	8.02
EV/FCF Full definition →	11.38	11.77	10.95	14.59	9.57	9.21	7.93	8.16	8.51	8.07
Quick Ratio Full definition →	0.30	0.28	0.28	0.29	0.28	0.29	0.30	0.27	0.27	0.28
Current Ratio Full definition →	0.30	0.28	0.28	0.29	0.28	0.29	0.30	0.27	0.27	0.28
Net Debt/EBITDA Full definition →	0.08	0.23	0.22	0.05	0.00	(0.06)	0.73	(0.01)	(0.04)	(0.17)
Debt/Assets Full definition →	4.15%	3.90%	3.95%	3.48%	3.26%	2.86%	3.00%	2.67%	2.40%	2.16%
Debt/Equity Full definition →	0.12	0.10	0.11	0.09	0.08	0.07	0.08	0.07	0.06	0.06
Asset Turnover Full definition →	0.28	0.27	0.25	0.33	0.28	0.33	0.21	0.32	0.33	0.33
Operating CF/Net income Full definition →	1.89	1.01	4.12	0.60	1.23	0.67	(4.21)	1.11	1.16	1.30
Capex/Depreciation Full definition →	(0.27)	(0.29)	(0.32)	(0.33)	(0.18)	(0.13)	(0.12)	(0.16)	(0.17)	(0.12)
Interest Coverage Full definition →	16.32	14.77	5.74	47.64	28.76	70.77	(12.09)	43.15	54.92	57.23
ROE Full definition →	8.76%	13.66%	3.57%	22.57%	11.78%	24.84%	(4.12%)	16.27%	17.61%	16.04%
ROA Full definition →	3.01%	4.95%	1.31%	8.44%	4.59%	10.07%	(1.59%)	5.90%	6.62%	6.18%
ROIC Full definition →	7.58%	5.80%	2.40%	15.81%	9.00%	18.23%	(3.93%)	12.07%	13.16%	12.34%
Return on Tangible Assets Full definition →	(8.64%)	(14.22%)	(3.73%)	(24.36%)	(13.69%)	(31.64%)	4.68%	(15.92%)	(17.98%)	(17.18%)
Average Days of Receivables Full definition →	151.59	141.11	157.35	119.62	127.24	108.64	180.14	129.15	123.44	120.73
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	0.42%	0.45%	0.52%	0.38%	0.41%	0.34%	0.00%	0.00%	0.00%	0.00%
Graham Net Nets Full definition →	(0.82)	(0.89)	(0.87)	(0.71)	(0.94)	(0.78)	(0.89)	(0.98)	(0.79)	(0.76)
Graham Number Full definition →	58.80	84.82	43.60	128.86	107.12	183.07	0.00	142.61	171.14	187.56
Earnings Yield Full definition →	4.72%	8.72%	2.27%	11.61%	8.72%	16.06%	(2.85%)	11.08%	10.17%	9.39%
Free Cash Flow Yield Full definition →	8.84%	8.63%	9.19%	6.90%	10.44%	10.72%	12.33%	12.24%	11.69%	12.13%
Revenue per Share Full definition →	33.12	34.91	33.13	48.55	46.75	59.79	41.33	63.78	72.49	80.92
Operating CF per Share Full definition →	6.78	6.41	7.24	7.40	9.25	12.30	12.92	13.07	16.94	19.94
Capex per Share Full definition →	(0.08)	(0.10)	(0.12)	(0.15)	(0.12)	(0.09)	(0.09)	(0.11)	(0.14)	(0.13)
Free Cash Flow per Share Full definition →	6.70	6.31	7.11	7.25	9.13	12.21	12.83	12.96	16.80	19.81
Cash per Share Full definition →	4.72	4.00	4.80	4.70	5.58	7.07	7.96	5.78	6.29	9.17
Shareholders Equity per Share Full definition →	42.92	50.20	48.00	60.44	66.93	81.40	66.51	77.06	89.10	101.93
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	42.92	50.20	48.00	60.44	66.93	81.40	66.51	77.06	89.10	101.93
Free Cash Flow Full definition →	1,102.00	1,036.00	1,161.00	1,184.00	1,471.00	1,966.00	2,037.00	2,034.00	2,627.00	3,092.00
Working Capital Full definition →	(7,023.00)	(7,533.00)	(7,887.00)	(8,406.00)	(9,094.00)	(9,586.00)	(10,601.00)	(11,787.00)	(12,959.00)	(14,144.00)
Capital Expenditures Full definition →	(13.00)	(16.00)	(20.00)	(24.00)	(20.00)	(15.00)	(15.00)	(18.00)	(22.00)	(20.00)
Net Current Asset Value Full definition →	(10,286.00)	(10,727.00)	(10,987.00)	(12,180.00)	(13,226.00)	(14,278.00)	(14,667.00)	(16,221.00)	(17,749.00)	(19,482.00)
EV/EBIT Full definition →	14.49	15.57	41.83	6.84	9.07	4.83	0.00	7.12	7.68	8.23
Capex to Sales Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Operating Income Full definition →	14.41	15.33	41.56	6.80	9.07	4.89	0.00	7.13	7.72	8.41
Other line items
Depreciation/Fixed assets Full definition →	0.26	0.30	0.32	0.35	0.51	0.58	0.63	0.54	0.61	0.77
Cash ROIC Full definition →	12.69%	10.62%	12.24%	10.28%	11.69%	12.98%	16.02%	14.66%	16.63%	16.96%
Accounts Receivable Turnover Full definition →	2.46	2.56	2.38	3.22	2.89	3.51	2.15	2.95	3.07	3.15
Accounts Payable Turnover Full definition →	0.47	0.48	0.48	0.47	0.49	0.45	0.50	0.49	0.49	0.51
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	803.37	769.49	789.41	799.12	772.54	847.20	767.71	773.90	772.96	753.85
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	2,213.50	2,239.50	2,273.50	2,464.00	2,612.00	2,746.00	3,052.00	3,391.00	3,688.50	4,006.00
Average Payables Full definition →	9,782.50	10,234.50	10,704.00	11,386.00	12,195.50	13,105.50	14,347.00	15,670.50	17,006.50	18,764.50
Average Assets Full definition →	19,637.00	21,114.50	21,889.00	23,671.50	26,475.00	29,464.50	30,559.50	31,250.50	34,635.00	38,751.50
Average Common Equity Full definition →	6,743.50	7,651.50	8,038.00	8,848.50	10,326.50	11,947.00	11,833.50	11,330.00	13,016.50	14,923.00

Show all line items

Columns are period end dates · fundamentals updated 2 Nov 2026

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