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Financials · CINF

Cincinnati Financial Corporation (CINF) financials

For the twelve months ended Sep 30, 2026, Cincinnati Financial Corporation reported $13.28B of revenue and $2.66B of net income.

Revenue, TTM
$13.28B
Revenue growth, YoY
+9.9%
Net income, TTM
$2.66B
Net income growth, YoY
+25.5%
Net margin
20.1%
Free cash flow, TTM
$3.08B
EPS, diluted, TTM
$17.05
EPS growth, YoY
+26.8%
Cash
$1.24B
Total debt
$858.00M
P/E
10.69
P/S
2.14
Market cap
$28.47B
Annual revenue$12.63B
FY2016FY2025
Annual net income$2.39B
FY2016FY2025
Annual free cash flow$3.09B
FY2016FY2025

CINF revenue and earnings growth

CINF revenueQ3 2026$3.05B

Quarter YoY
-18.2%
QoQ
-28.7%
FY YoY
+11.4%
5Y CAGR
+10.9%
10Y CAGR
+9.4%

CINF revenue was $3.05B in fiscal Q3 2026 (ended Sep 30, 2026), down 18.2% from a year earlier and down 28.7% from the prior quarter. For the full fiscal 2025 it was $12.63B, up 11.4% from fiscal 2024. Compound annual growth was +10.9% over 5 years and +9.4% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CINF net incomeQ3 2026$459.00M

Quarter YoY
-59.1%
QoQ
-63.4%
FY YoY
+4.4%
5Y CAGR
+14.5%
10Y CAGR
+14.2%

CINF net income was $459.00M in fiscal Q3 2026 (ended Sep 30, 2026), down 59.1% from a year earlier and down 63.4% from the prior quarter. For the full fiscal 2025 it was $2.39B, up 4.4% from fiscal 2024. Compound annual growth was +14.5% over 5 years and +14.2% over 10 years.

CINF EPSQ3 2026$2.96

Quarter YoY
-58.4%
QoQ
-63.2%
FY YoY
+4.4%
5Y CAGR
+15.2%
10Y CAGR
+14.8%

CINF diluted EPS was $2.96 in fiscal Q3 2026 (ended Sep 30, 2026), down 58.4% from a year earlier and down 63.2% from the prior quarter. For the full fiscal 2025 it was $15.17, up 4.4% from fiscal 2024. Compound annual growth was +15.2% over 5 years and +14.8% over 10 years.

CINF free cash flowQ3 2026$787.00M

Quarter YoY
-29.0%
QoQ
+12.8%
FY YoY
+17.7%
5Y CAGR
+16.0%
10Y CAGR
+11.2%

CINF free cash flow was $787.00M in fiscal Q3 2026 (ended Sep 30, 2026), down 29.0% from a year earlier and up 12.8% from the prior quarter. For the full fiscal 2025 it was $3.09B, up 17.7% from fiscal 2024. Compound annual growth was +16.0% over 5 years and +11.2% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$12.63B$11.34B$10.01B$6.56B$9.63B$7.54B$7.92B$5.41B$5.73B$5.45B
Interest expense$53.00M$53.00M$54.00M$53.00M$53.00M$54.00M$53.00M$53.00M$53.00M$53.00M
Pre-tax income$2.98B$2.86B$2.28B-$694.00M$3.70B$1.50B$2.47B$251.00M$730.00M$812.00M
Income tax$587.00M$566.00M$433.00M-$207.00M$730.00M$283.00M$475.00M-$36.00M-$315.00M$221.00M
Net income$2.39B$2.29B$1.84B-$487.00M$2.97B$1.22B$2.00B$287.00M$1.04B$591.00M
EPS, basic$15.32$14.65$11.74-$3.06$18.43$7.55$12.24$1.76$6.36$3.59
EPS, diluted$15.17$14.53$11.66-$3.06$18.24$7.49$12.10$1.75$6.29$3.55
Diluted shares157.7M157.8M158.1M158.8M162.7M162.4M165.1M164.5M166.0M166.5M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$1.43B$983.00M$907.00M$1.26B$1.14B$900.00M$767.00M$784.00M$657.00M$777.00M
Short-term investments$148.00M$298.00M$0-------
Total assets$41.00B$36.50B$32.77B$29.73B$31.39B$27.54B$25.41B$21.93B$21.84B$20.39B
Long-term debt$861.00M$850.00M$849.00M$841.00M$843.00M$845.00M$846.00M$834.00M$827.00M$826.00M
Total debt$861.00M$850.00M$849.00M$841.00M$843.00M$845.00M$846.00M$834.00M$827.00M$826.00M
Total liabilities$25.09B$22.57B$20.67B$19.17B$18.28B$16.75B$15.54B$14.10B$13.60B$13.33B
Shareholders' equity$15.91B$13.94B$12.10B$10.56B$12.76B$10.79B$9.86B$7.83B$8.24B$7.06B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$3.11B$2.65B$2.05B$2.05B$1.98B$1.49B$1.21B$1.18B$1.05B$1.11B
Capital expenditures$20.00M$22.00M$18.00M$15.00M$15.00M$20.00M$24.00M$20.00M$16.00M$13.00M
Free cash flow$3.09B$2.63B$2.03B$2.04B$1.97B$1.47B$1.18B$1.16B$1.04B$1.10B
Investing cash flow-$1.69B-$1.70B-$1.61B-$933.00M-$1.06B-$560.00M-$679.00M-$451.00M-$558.00M-$456.00M
Financing cash flow-$973.00M-$877.00M-$801.00M-$994.00M-$685.00M-$798.00M-$546.00M-$603.00M-$614.00M-$426.00M
Dividends paid$525.00M$490.00M$454.00M$423.00M$395.00M$375.00M$355.00M$336.00M$400.00M$306.00M
Share repurchases$205.00M$126.00M$67.00M$410.00M$144.00M$261.00M$67.00M$125.00M$92.00M$39.00M
Stock-based compensation----$33.00M$31.00M$30.00M$28.00M$26.00M$23.00M
Depreciation and amortization----$93.00M$81.00M$72.00M$63.00M$55.00M$48.00M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY11.4%13.2%52.6%-31.8%27.7%-4.9%46.6%-5.7%5.2%6.0%
Net income growth, YoY4.4%24.4%--144.1%-39.1%595.8%-72.5%76.8%-6.8%
EPS growth, YoY4.4%24.6%--143.5%-38.1%591.4%-72.2%77.2%-7.3%
Net margin18.9%20.2%18.4%-7.4%30.8%16.1%25.2%5.3%18.2%10.8%
Free cash flow margin24.5%23.2%20.3%31.0%20.4%19.5%14.9%21.5%18.1%20.2%
Return on equity15.0%16.4%15.2%-4.6%23.3%11.3%20.2%3.7%12.7%8.4%
Return on assets5.8%6.3%5.6%-1.6%9.5%4.4%7.9%1.3%4.8%2.9%
Debt to equity0.050.060.070.080.070.080.090.110.100.12

Source: XBRL data Cincinnati Financial Corporation files with the SEC, latest filing dated Oct 26, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CINF peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CINF$13.28B+9.9%$2.66B20.1%$28.47B
CB$61.85B+5.7%$11.23B18.2%$139.46B
PGR$91.73B+7.7%$11.62B12.7%$131.96B
TRV$48.92B+1.1%$8.33B17.0%$80.99B
ALL$70.23B+5.1%$11.61B16.5%$63.05B
AIG$27.73B+1.2%$3.29B11.9%$40.31B
HIG$29.87B+9.2%$4.61B15.4%$35.83B
ACGL$18.78B-3.9%$4.38B23.3%$34.92B
WRB$14.87B+1.5%$1.86B12.5%$27.95B

CINF FAQ

8 questions
  • What is CINF revenue?
    Cincinnati Financial Corporation (CINF) reported $13.28B of revenue for the twelve months ended Sep 30, 2026. That is up 9.9% from the year before. Revenue for fiscal 2025 was $12.63B.
  • Is CINF profitable?
    Yes. Cincinnati Financial Corporation earned $2.66B in net income for the twelve months ended Sep 30, 2026, a net margin of 20.1%.
  • How much cash and debt does CINF have?
    Cincinnati Financial Corporation reported $1.24B in cash and cash equivalents and $858.00M of debt on its most recent balance sheet in SEC filings.
  • How fast is CINF revenue growing?
    Cincinnati Financial Corporation's revenue changed +11.4% in fiscal 2025, to $12.63B. Its compound annual growth rate was +10.9% over 5 years and +9.4% over 10 years.
  • What is CINF free cash flow?
    Cincinnati Financial Corporation generated $3.08B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $3.09B less capital expenditures.
  • What is CINF earnings per share?
    Diluted earnings per share were $17.05 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CINF last report financial results?
    The latest statements here come from Cincinnati Financial Corporation's 10-Q filed on Oct 26, 2026, covering the period ended Sep 30, 2026.
  • Where does this CINF financial data come from?
    Quantisnow builds these statements from the structured XBRL data Cincinnati Financial Corporation files with the SEC. It is provided for information only and is not investment advice.