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Overview

CINCINNATI FINANCIAL CORP

CINFNASDAQFinancialsFire, Marine & Casualty InsuranceCIK 0000020286Large-cap benchmark

Latest 10-K: FY2025, filed Feb 23, 2026 · Open the 10-K (Inline XBRL) ↗

Revenue
$12.63B
11.4%YoYup from FY2024
TotalRevenue
Gross profit
Not reported
Net income
$2.39B
4.4%YoYup from FY2024
NetIncome
Diluted EPS
$15.17
4.4%YoYup from FY2024
EPSDiluted
Diluted shares
157.7M
0.1%YoYdown from FY2024
WeightedAvgSharesDiluted

At a glance

Growth

  • CINCINNATI FINANCIAL CORP reported revenue of $12.63B for fiscal 2025, up 11.4% from fiscal 2024.
  • Revenue grew faster than the median S&P 500 member in 4 of the last 5 fiscal years.

Profitability

  • Net margin was 18.9%, against a median of 12.8% across S&P 500 members for the same fiscal year.

Per share

  • Diluted EPS was $15.17, up 4.4% from the prior year.
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Written from the filed figures on this page by fixed rules — no AI.

Data as of Oct 31, 2026 · Sources: SEC EDGAR 10-K

Financial statements

Annual figures from the 10-K, most recent fiscal year first.

Income Statement

5 annual periods

Chip: YoY change.

Income Statement, annual, newest fiscal year first. 4Y CAGR: compound annual growth from the oldest to the newest year shown. Muted line: large-cap benchmark median change. Line under a label: how many large-cap benchmark companies its median rests on.
Line itemFY2025FY2024FY2023FY2022FY20214Y CAGR
Revenue
$12.63B11.4%up
Benchmark median 6.4%
$11.34B13.2%up
Benchmark median 4.5%
$10.01B52.6%up
Benchmark median 4.8%
$6.56B31.8%down
Benchmark median 10.3%
$9.63B27.7%up
Benchmark median 13.8%
7.0%
Benchmark median 6.6%
Gross Profit
Median of 315 / 498
—
—
—
—
—
—
Benchmark median 6.2%
Operating Income
Median of 373 / 498
—
—
—
—
—
—
Benchmark median 7.2%
Net Income
$2.39B4.4%up
Benchmark median 4.8%
$2.29B24.4%up
Benchmark median 5.7%
$1.84Bn/m
Benchmark median 1.9%
negative: -$0.49B116.4%down
Benchmark median 1.3%
$2.97B144.1%up
Benchmark median 33.9%
-5.2%
Benchmark median 4.1%
EPS (Diluted)
$15.174.4%up
Benchmark median 6.2%
$14.5324.6%up
Benchmark median 7.9%
$11.66n/m
Benchmark median 1.9%
negative: -$3.06116.8%down
Benchmark median 1.5%
$18.24143.5%up
Benchmark median 34.8%
-4.5%
Benchmark median 5.6%

Balance Sheet

5 annual periods

Chip: YoY change.

Balance Sheet, annual, newest fiscal year first. 4Y CAGR: compound annual growth from the oldest to the newest year shown. Muted line: large-cap benchmark median change. Line under a label: how many large-cap benchmark companies its median rests on.
Line itemFY2025FY2024FY2023FY2022FY20214Y CAGR
Total Assets
$41.00B12.3%up
Benchmark median 5.6%
$36.50B11.4%up
Benchmark median 3.4%
$32.77B10.2%up
Benchmark median 4.1%
$29.73B5.3%down
Benchmark median 2.2%
$31.39B14.0%up
Benchmark median 6.7%
6.9%
Benchmark median 4.7%
Total Liabilities
Median of 357 / 498
$25.09B11.2%up
Benchmark median 6.4%
$22.57B9.2%up
Benchmark median 1.9%
$20.67B7.8%up
Benchmark median 2.9%
$19.17B4.9%up
Benchmark median 2.0%
$18.28B9.1%up
Benchmark median 5.2%
8.2%
Benchmark median 4.4%
Stockholders' Equity
$15.91B14.2%up
Benchmark median 6.8%
$13.94B15.2%up
Benchmark median 5.4%
$12.10B14.5%up
Benchmark median 7.3%
$10.56B17.3%down
Benchmark median 2.5%
$12.76B18.3%up
Benchmark median 9.0%
5.7%
Benchmark median 6.1%
Cash & Equivalents
—
—
—
—
$1.14B26.6%up
Benchmark median -2.9%
—
Benchmark median 2.0%
Total Debt
$790.00M†0.0%unchanged
Benchmark median 2.1%
$790.00M†0.0%unchanged
Benchmark median 0.2%
$790.00M†0.1%up
Benchmark median 0.3%
$789.00M†0.0%unchanged
Benchmark median 0.1%
$789.00M†0.1%up
Benchmark median -0.1%
0.0%
Benchmark median 4.3%

† Sum of short-term and long-term debt; the company files no total-debt line.

Cash Flow Statement

5 annual periods

Chip: YoY change.

Cash Flow Statement, annual, newest fiscal year first. 4Y CAGR: compound annual growth from the oldest to the newest year shown. Muted line: large-cap benchmark median change. Line under a label: how many large-cap benchmark companies its median rests on.
Line itemFY2025FY2024FY2023FY2022FY20214Y CAGR
Operating Cash Flow
$3.11B17.5%up
Benchmark median 6.3%
$2.65B29.1%up
Benchmark median 4.8%
$2.05B0.0%unchanged
Benchmark median 9.9%
$2.05B3.6%up
Benchmark median -0.7%
$1.98B32.9%up
Benchmark median 10.7%
12.0%
Benchmark median 7.0%
Capital Expenditures
$20.00M9.1%down
Benchmark median 5.4%
$22.00M22.2%up
Benchmark median 2.8%
$18.00M20.0%up
Benchmark median 11.3%
$15.00M0.0%unchanged
Benchmark median 14.0%
$15.00M25.0%down
Benchmark median 8.1%
7.5%
Benchmark median 9.0%
Free Cash Flow
Median of 378 / 498
$3.09B17.7%up
Benchmark median 7.3%
$2.63B29.2%up
Benchmark median 6.1%
$2.03B0.1%down
Benchmark median 8.8%
$2.04B3.6%up
Benchmark median -11.3%
$1.97B33.7%up
Benchmark median 10.2%
12.0%
Benchmark median 4.9%

n/m: not meaningful — the base (the prior year, or the first year for the CAGR) was zero or negative, or a per-share figure’s share basis changed (stock split). “—” means the figure is not available.

Benchmark median = median of the companies in the benchmark universe on Dec 31 of each fiscal year, from their own 10-K filings; a change counts only companies whose prior year was positive. Each median uses every member that reports the line item; where fewer than 80% do (banks and insurers file no gross profit), the row names how many. Published where at least 250 companies report it. Updated 2026-10-27. This compares reported figures, not share-price returns. Methodology

Ratios & valuation

FY2025

Every ratio read two ways: Wall Street’s popular formula and the value investor’s stricter one. Same question, same unit. Pick a ratio.

Valuation · Earnings yield

What a dollar of market value earned

9.3%

Wall Street

on net earnings

FY2024 10.1%

12.0%

Value investor

on free cash flow

FY2024 11.6%

Gap +2.7 pts: Value-investor figure 2.7 points higher

How it’s calculated

Wall Street · on net earnings

Diluted EPS ÷ fiscal-year-end share price (1 ÷ P/E)

pe_ratio (ratio table)

P/E 10.8×

Value investor · on free cash flow

(Operating cash flow − capital expenditures) ÷ market capitalisation (fiscal-year-end close × weighted-average diluted shares)

free cash flow ÷ market cap

Each ratio measures one thing two ways, in the same unit: the popular formula, then a stricter one, so a lower figure is the stricter reading. Gap = value-investor figure minus Wall Street figure, from the figures shown.

Price-based ratios use the fiscal-year-end closing price. Free cash flow = operating cash flow − capital expenditures (we compute it; filings rarely report it). n/m = not meaningful (denominator ≤ 0); “—” = not reported. Each ratio’s formulas are under “How it’s calculated”.

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Smart money

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Showing the most recent 5 annual periods. Get longer history on the Pro plan, or the full history (1993–present) plus the smart-money dataset and webhooks on Institutional.

Peers, filings & research

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Research Reports

No published research on CINF yet.

Reports appear here as analysts publish research on this company — built with Valuein's agentic workflows on data pinned to its SEC filing. Be the first: run equity_research_brief on CINF and publish the result to your public profile.

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Cite this page

Data as of Oct 31, 2026. Canonical address: https://valuein.biz/data/CINF

APA-style text
Valuein. (2026, October 31). CINCINNATI FINANCIAL CORP (CINF) financial statements, earnings power and smart-money summary [Data set]. Source: SEC EDGAR filings. https://valuein.biz/data/CINF
BibTeX
@misc{valuein_cinf_2026,
  author = {{Valuein}},
  title = {CINCINNATI FINANCIAL CORP (CINF) financial statements, earnings power and smart-money summary},
  year = {2026},
  howpublished = {\url{https://valuein.biz/data/CINF}},
  note = {Data as of 2026-10-31; source: SEC EDGAR filings}
}
Open 10-K in SEC Inline XBRL viewer

10-K filed Feb 23, 2026 · accession 0000020286-26-000008

Agents: every figure Valuein's tools return carries a fact_id that traces to its SEC filing.

point-in-time · survivorship-free · every number traceable to its SEC filing

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