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CINCINNATI FINANCIAL CORP

CINF

$176.92 ▼ -2.10 (-1.17%) at close

19 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

CINCINNATI FINANCIAL CORP shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $27.6B

Dividend Yield 1.97%

Revenue Growth 11.4% ↘

Op. Margin 23.6% ↘

ROIC None

FCF / Share None

Trailing P/E 11.6x

Price / Book 1.7x

FCF Yield —

Debt / Equity 0.05

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$12.63B

↑ +11.4% —

Net Income Profit after all expenses

$2.39B

↑ +4.4% —

Operating Margin Operating profit as % of sales

23.6%

↓ -6.4% 80th

Long-Term Debt Long-term obligations

$790.00M

— 0.0% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$3.48 Latest / share

+7.4% YoY

+6.4% 12-yr CAGR

$1.76

FY 2014

$2.30

FY 2015

$1.92

FY 2016

$2.50

FY 2017

$2.12

FY 2018

$2.24

FY 2019

$2.40

FY 2020

$2.52

FY 2021

$2.76

FY 2022

$3.00

FY 2023

$3.24

FY 2024

$3.48

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	11.4% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+90%)	13.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+120%)	52.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+776%)	-31.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-631%)	27.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+363%)	-4.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-182%)	46.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+676%)	-5.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-194%)	5.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-13%)	6.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	4.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-34%)	9.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+52%)	10.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+70%)	8.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+35%)	0.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-86%)	-3.4% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-156%)	2.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-66%)	—	—
EPS Growth YoY (%)	4.6% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	24.8% Good Good Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	142.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-38.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	595.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-72.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	77.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-7.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	20.6% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	1.6% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	22.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	156.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-56.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-12.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	1.1% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	4.4% Caution Caution Year-over-year change in net income	24.4% Good Good Year-over-year change in net income	N/M	N/M	142.3% Excellent ↓ Excellent Declining Year-over-year change in net income	-39.1% Weak ↓ Weak Declining Year-over-year change in net income	595.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-72.5% Weak ↓ Weak Declining Year-over-year change in net income	76.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-6.8% Weak ↓ Weak Declining Year-over-year change in net income	20.8% Good ↓ Good Declining Year-over-year change in net income	1.5% Caution ↓ Caution Declining Year-over-year change in net income	22.8% Good ↓ Good Declining Year-over-year change in net income	156.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-56.5% Weak ↓ Weak Declining Year-over-year change in net income	-12.7% Weak Weak Year-over-year change in net income	0.7% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	24.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	5.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-6.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	21.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	9.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	13.3% Good ↑ Good Improving Compound annual revenue growth over 3 years	1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	9.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	1.7% Weak Weak Compound annual revenue growth over 3 years	-0.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.9% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	13.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	2.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	12.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	7.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	9.9% Good ↑ Good Improving Compound annual revenue growth over 5 years	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.8% Fair Fair Compound annual revenue growth over 5 years	3.5% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	-7.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	15.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	—	118.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	5.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	50.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-23.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	25.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	47.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	-0.9% Weak Weak Compound annual EPS growth over 3 years	-27.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	23.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	25.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	-10.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-142%)	38.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	19.9% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	18.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	20.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	18.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	-7.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-134%)	30.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	16.1% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	25.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	5.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	18.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	10.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	12.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	10.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	11.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	10.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	4.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	10.0% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	11.1% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	11.2% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	5.8% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	6.3% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	-1.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	9.4% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	4.4% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	7.9% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.8% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	2.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	3.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	2.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	15.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	16.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+37%)	15.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+27%)	-4.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-138%)	22.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+87%)	11.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	20.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+69%)	3.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	8.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	8.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	8.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	7.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	3.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	7.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	9.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	10.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.05x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.06x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.07x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.06x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.08x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.10x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.10x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.11x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.14x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.16x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.16x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$80.92	$72.49	$63.78	$41.33	$59.81	$46.75	$48.55	$33.13	$34.91	$33.12	$31.35	$30.24	$27.71	$25.30	$23.38	$23.17	$24.00	—	—
Basic EPS, GAAP (USD)	$15.32	$14.65	$11.74	$-3.06	$18.29	$7.55	$12.24	$1.76	$6.36	$3.59	$3.87	$3.21	$3.16	$2.59	$1.01	$2.32	$2.66	$2.63	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$3.48	$3.24	$3.00	$2.76	$2.52	$2.40	$2.24	$2.12	$2.50	$1.92	$2.30	$1.76	$1.66	$1.62	$1.60	$1.59	$1.57	—	—
Book Value per Share (USD)	$101.93	$89.10	$77.06	$66.51	$81.40	$66.93	$49.74	$39.50	$41.57	$35.60	$32.41	$33.15	$30.61	$27.68	$25.68	$30.91	$29.28	—	—
Tangible Book Value per Share (USD)	$101.93	$89.10	$77.06	$66.51	$81.40	$66.93	$49.74	$39.50	$41.57	$35.60	$32.41	$33.15	$30.61	$27.68	$25.68	$30.91	$29.28	—	—
Basic Weighted Avg Shares (shares)	156.10M	156.40M	157.00M	158.80M	161.00M	161.20M	163.20M	163.20M	164.20M	164.50M	164.00M	163.50M	163.50M	162.50M	162.67M	162.78M	162.60M	—	—
Dividend Payout Ratio (%)	22.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-90.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	13.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	31.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	120.5% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	53.5% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	59.4% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	54.8% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.4% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	62.5% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	158.9% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	68.5% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	59.0% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$790.00M	$790.00M	$790.00M	$789.00M	$789.00M	$788.00M	$788.00M	$788.00M	$787.00M	$787.00M	$786.00M	$786.00M	$790.00M	$790.00M	$790.00M	$790.00M	—	—	—
Total Equity (USD)	$15.91B	$13.94B	$12.10B	$10.56B	$13.11B	$10.79B	$9.86B	$7.83B	$8.24B	$7.06B	$6.43B	$6.57B	$6.07B	$5.45B	$5.03B	$5.03B	$4.76B	$4.18B	$5.93B

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$12.63B	$11.34B	$10.01B	$6.56B	$9.63B	$7.54B	$7.92B	$5.41B	$5.73B	$5.45B	$5.14B	$4.95B	$4.53B	$4.11B	$3.80B	$3.77B	$3.90B	$3.82B	—
Depreciation Expense (USD)	$36.00M	$34.00M	$30.00M	$33.00M	$33.00M	$33.00M	$25.00M	$31.00M	$28.00M	$30.00M	$36.00M	$37.00M	$37.00M	$37.00M	$46.00M	$40.00M	$48.00M	—	—
Net Income, GAAP (USD)	$2.39B	$2.29B	$1.84B	$-487.00M	$2.95B	$1.22B	$2.00B	$287.00M	$1.04B	$591.00M	$634.00M	$525.00M	$517.00M	$421.00M	$164.00M	$377.00M	$432.00M	$429.00M	—
Operating Cash Flow (USD)	$3.11B	$2.65B	$2.05B	$2.05B	$1.98B	$1.49B	$1.21B	$1.18B	$1.05B	$1.11B	$1.06B	$873.00M	$796.00M	$638.00M	$247.00M	$531.00M	$525.00M	$484.00M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Premiums Earned (USD)	$9.98B	$8.89B	$7.96B	$7.22B	$6.48B	$5.98B	$5.60B	$5.17B	$4.95B	$4.71B	$4.48B	$4.24B	$3.90B	$3.52B	$3.19B	$3.08B	$3.05B	$3.14B	—
Loss Ratio (%) (%)	66.5%	64.5%	66.3%	69.5%	60.7%	69.1%	64.9%	67.5%	68.4%	66.0%	62.7%	67.3%	64.2%	65.9%	79.0%	70.7%	73.4%	69.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 72 quarters

CINCINNATI FINANCIAL CORP

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