A Business at a Glance
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Cincinnati Financial Corporation – Introduction We are an Ohio corporation formed in 1968. Our lead subsidiary, The Cincinnati Insurance Company, was founded in 1950. Our main business is property casualty insurance marketed through independent insurance agencies in 46 states. Our headquarters is in Fairfield, Ohio. Cincinnati Financial Corporation owns 100% of four subsidiaries: The Cincinnati Insurance Company (Cincinnati Insurance), Cincinnati Global Underwriting Ltd.SM (Cincinnati Global), CSU Producer Resources Inc. and CFC Investment Company. In addition, the parent company has an investment portfolio, owns the headquarters property and is responsible for corporate borrowings and shareholder dividends. The Cincinnati Insurance Company owns 100% of four additional insurance subsidiaries. Our standard market property casualty insurance group includes two of those subsidiaries – The Cincinnati Casualty Company and The Cincinnati Indemnity Company.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 12.6B | 12.6B | 11.3B | 10.0B | 6.6B | 9.6B |
| Net Income | 2.4B | 2.4B | 2.3B | 1.8B | -487M | 2.9B |
| EPS | $15.17 | $15.17 | $14.53 | $11.66 | $-3.06 | $18.10 |
| Free Cash Flow | 3.1B | 3.1B | 2.6B | 2.0B | 2.0B | 2.0B |
| ROIC | 15.6% | 15.2% | 15.5% | 14.2% | -4.3% | 21.1% |
| Gross Margin | 23.6% | 23.6% | 25.2% | 22.7% | -10.6% | 38.1% |
| Debt/Equity | 0.05 | 0.05 | 0.06 | 0.07 | 0.08 | 0.06 |
| Dividends/Share | $3.33 | $3.48 | $3.24 | $3.00 | $2.76 | $2.52 |
| Operating Income | 3.0B | 3.0B | 2.9B | 2.3B | -694M | 3.7B |
| Operating Margin | 23.6% | 23.6% | 25.2% | 22.7% | -10.6% | 38.1% |
| ROE | 15.0% | 16.0% | 16.4% | 15.2% | -4.6% | 22.5% |
| Shares Outstanding | 158M | 158M | 158M | 158M | 159M | 163M |
CINCINNATI FINANCIAL CORP passes 5 of 9 quality checks, suggesting mixed fundamentals.
CINCINNATI FINANCIAL CORP trades at 10.8x trailing earnings, compared to its 15-year median P/E of 9.7x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 8.2x vs a median of 8.6x. The company's 5-year average ROIC is 12.4% with a gross margin of 19.8%. Total shareholder yield (dividends + buybacks) is 2.8%. At current prices, the estimated annualized return to fair value is +15.4%.
CINCINNATI FINANCIAL CORP (CINF) has a current P/E ratio of 10.8, compared to its historical median P/E of 9.7. The stock is currently considered Fair based on its historical valuation range.
CINCINNATI FINANCIAL CORP (CINF) has a 5-year average return on invested capital (ROIC) of 12.4%. This indicates solid capital allocation.
CINCINNATI FINANCIAL CORP (CINF) has a market capitalization of $25.8B. It is classified as a large-cap stock.
Yes, CINCINNATI FINANCIAL CORP (CINF) pays a dividend with a trailing twelve-month yield of 2.03%. The company also returns capital through share buybacks, with a buyback yield of 0.79%.
Based on historical P/E analysis, CINCINNATI FINANCIAL CORP (CINF) appears fair. The current P/E of 10.8 is 11% above its historical median of 9.7. The estimated fair value CAGR (P/E method) is 12.0%.
CINCINNATI FINANCIAL CORP (CINF) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
CINCINNATI FINANCIAL CORP (CINF) reported annual revenue of $12.6 billion in its most recent fiscal year, based on SEC EDGAR filings.
CINCINNATI FINANCIAL CORP (CINF) has a net profit margin of 18.9%. This is a healthy margin.
CINCINNATI FINANCIAL CORP (CINF) generated $3.1 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CINCINNATI FINANCIAL CORP (CINF) has a debt-to-equity ratio of 0.05. This indicates a conservatively financed balance sheet.
CINCINNATI FINANCIAL CORP (CINF) reported earnings per share (EPS) of $15.17 in its most recent fiscal year.
CINCINNATI FINANCIAL CORP (CINF) has a return on equity (ROE) of 16.0%. This indicates the company generates strong returns for shareholders.
CINCINNATI FINANCIAL CORP (CINF) has a 5-year average gross margin of 19.8%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 18 years of financial data for CINCINNATI FINANCIAL CORP (CINF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CINCINNATI FINANCIAL CORP (CINF) has a book value per share of $100.86, based on its most recent annual SEC filing.
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