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Cincinnati Financial Corporation (CINF)
Financial Services · Insurance - Property & Casualty · NasdaqGS
Cincinnati Financial Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.45B | $5.73B | $5.41B | $7.92B | $7.54B | $9.63B | $6.56B | $10.01B | $11.34B | $12.63B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $591.00M | $1.04B | $287.00M | $2.00B | $1.22B | $2.97B | $-486.00M | $1.84B | $2.29B | $2.39B |
| Net margin | 10.8% | 18.2% | 5.3% | 25.2% | 16.1% | 30.8% | -7.4% | 18.4% | 20.2% | 18.9% |
Source: Cincinnati Financial Corporation SEC filings (10-K). 18 years of history available in the interactive view.
What growth is priced into CINF stock?
At today's market cap of $25.34B, Cincinnati Financial Corporation is priced for free-cash-flow growth of about -4.7% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $3.09B from the FY ending 2025-12-31). For comparison, free cash flow actually grew 16%/yr over the last five fiscal years and revenue 10.9%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 18 years of Cincinnati Financial Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Cincinnati Financial Corporation financial history by metric
About Cincinnati Financial Corporation
Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance; universal life insurance; and worksite and whole life insurance products, as well as annuities. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. The company was founded in 1950 and is headquartered in Fairfield, Ohio.
Cincinnati Financial Corporation — frequently asked questions
What is Cincinnati Financial Corporation's revenue?
Cincinnati Financial Corporation (CINF) reported revenue of $12.63B for fiscal year 2025, up 11.4% from the prior year, according to its SEC filings.
Is Cincinnati Financial Corporation profitable?
Yes. CINF earned net income of $2.39B in fiscal 2025, a net margin of 18.9%.
What is CINF's P/E ratio?
Cincinnati Financial Corporation trades at a price-to-earnings ratio of about 9.4 based on the latest data in our nightly-refreshed cache.
How fast is Cincinnati Financial Corporation growing?
CINF's revenue grew at roughly 10.9% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Cincinnati Financial Corporation have?
As of fiscal year 2025, CINF carried roughly $790.00M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Cincinnati Financial Corporation's market cap?
Cincinnati Financial Corporation (CINF) has a market capitalization of about $25.34B, based on the latest data in our nightly-refreshed cache.
When does Cincinnati Financial Corporation's fiscal year end?
CINF's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into CINF stock?
At today's market cap of $25.34B, Cincinnati Financial Corporation is priced for free-cash-flow growth of about -4.7% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $3.09B from the FY ending 2025-12-31). For comparison, free cash flow actually grew 16%/yr over the last five fiscal years and revenue 10.9%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Cincinnati Financial Corporation's official SEC filings (10-K and 10-Q), covering 18 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.