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Cincinnati Financial

CINF Clue Score71
United States Fiscal year ends December CIK 0000020286
$165.55 +1.32% Close, 12 Oct 2026
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Price $165.55 +40.20% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue5.45Net income0.59EPS, diluted3.55Fiscal year 2017Revenue5.73 +5.2%Net income1.05 +76.8%EPS, diluted6.29 +77.2%Fiscal year 2018Revenue5.41 −5.7%Net income0.29 −72.5%EPS, diluted1.75 −72.2%Fiscal year 2019Revenue7.92 +46.6%Net income2.00 +595.8%EPS, diluted12.10 +591.4%Fiscal year 2020Revenue7.54 −4.9%Net income1.22 −39.1%EPS, diluted7.49 −38.1%Fiscal year 2021Revenue9.63 +27.7%Net income2.97 +144.1%EPS, diluted18.24 +143.5%Fiscal year 2022Revenue6.56 −31.8%Net income−0.49 −116.4%EPS, diluted−3.06 −116.8%Fiscal year 2023Revenue10.01 +52.6%Net income1.84EPS, diluted11.66Fiscal year 2024Revenue11.34 +13.2%Net income2.29 +24.4%EPS, diluted14.53 +24.6%Fiscal year 2025Revenue12.63 +11.4%Net income2.39 +4.4%EPS, diluted15.17 +4.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 5.45 5.73 5.41 7.92 7.54 9.63 6.56 10.01 11.34 12.63
Growth +5.2% −5.7% +46.6% −4.9% +27.7% −31.8% +52.6% +13.2% +11.4%
Net income 0.59 1.05 0.29 2.00 1.22 2.97 −0.49 1.84 2.29 2.39
Growth +76.8% −72.5% +595.8% −39.1% +144.1% −116.4% +24.4% +4.4%
EPS, diluted 3.55 6.29 1.75 12.10 7.49 18.24 −3.06 11.66 14.53 15.17
Growth +77.2% −72.2% +591.4% −38.1% +143.5% −116.8% +24.6% +4.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin10.8%Free cash flow margin20.2%Fiscal year 2017Net margin18.2%Free cash flow margin18.1%Fiscal year 2018Net margin5.3%Free cash flow margin21.5%Fiscal year 2019Net margin25.2%Free cash flow margin14.9%Fiscal year 2020Net margin16.1%Free cash flow margin19.5%Fiscal year 2021Net margin30.8%Free cash flow margin20.4%Fiscal year 2022Net margin−7.4%Free cash flow margin31.0%Fiscal year 2023Net margin18.4%Free cash flow margin20.3%Fiscal year 2024Net margin20.2%Free cash flow margin23.2%Fiscal year 2025Net margin18.9%Free cash flow margin24.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 10.8% 18.2% 5.3% 25.2% 16.1% 30.8% −7.4% 18.4% 20.2% 18.9%
Free cash flow margin 20.2% 18.1% 21.5% 14.9% 19.5% 20.4% 31.0% 20.3% 23.2% 24.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow1.12Capital expenditure−0.01Free cash flow1.10Buybacks−0.04Dividends paid−0.31Fiscal year 2017Operating cash flow1.05Capital expenditure−0.02Free cash flow1.04 −6.0%Buybacks−0.09Dividends paid−0.40Fiscal year 2018Operating cash flow1.18Capital expenditure−0.02Free cash flow1.16 +12.1%Buybacks−0.13Dividends paid−0.34Fiscal year 2019Operating cash flow1.21Capital expenditure−0.02Free cash flow1.18 +2.0%Buybacks−0.07Dividends paid−0.36Fiscal year 2020Operating cash flow1.49Capital expenditure−0.02Free cash flow1.47 +24.2%Buybacks−0.26Dividends paid−0.38Fiscal year 2021Operating cash flow1.98Capital expenditure−0.02Free cash flow1.97 +33.7%Buybacks−0.14Dividends paid−0.40Fiscal year 2022Operating cash flow2.05Capital expenditure−0.02Free cash flow2.04 +3.6%Buybacks−0.41Dividends paid−0.42Fiscal year 2023Operating cash flow2.05Capital expenditure−0.02Free cash flow2.03 −0.1%Buybacks−0.07Dividends paid−0.45Fiscal year 2024Operating cash flow2.65Capital expenditure−0.02Free cash flow2.63 +29.2%Buybacks−0.13Dividends paid−0.49Fiscal year 2025Operating cash flow3.11Capital expenditure−0.02Free cash flow3.09 +17.7%Buybacks−0.21Dividends paid−0.53
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 1.12 1.05 1.18 1.21 1.49 1.98 2.05 2.05 2.65 3.11
Capital expenditure −0.01 −0.02 −0.02 −0.02 −0.02 −0.02 −0.02 −0.02 −0.02 −0.02
Free cash flow 1.10 1.04 1.16 1.18 1.47 1.97 2.04 2.03 2.63 3.09
Growth −6.0% +12.1% +2.0% +24.2% +33.7% +3.6% −0.1% +29.2% +17.7%
Buybacks −0.04 −0.09 −0.13 −0.07 −0.26 −0.14 −0.41 −0.07 −0.13 −0.21
Dividends paid −0.31 −0.40 −0.34 −0.36 −0.38 −0.40 −0.42 −0.45 −0.49 −0.53

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.78Total debt0.79Net cash (debt)−0.01Shareholders’ equity7.06Debt to equity0.11Fiscal year 2017Cash0.66Total debt0.79Net cash (debt)−0.13Shareholders’ equity8.24Debt to equity0.10Fiscal year 2018Cash0.78Total debt0.79Net cash (debt)−0.00Shareholders’ equity7.83Debt to equity0.10Fiscal year 2019Cash0.77Total debt0.79Net cash (debt)−0.02Shareholders’ equity9.86Debt to equity0.08Fiscal year 2020Cash0.90Total debt0.79Net cash (debt)0.11Shareholders’ equity10.79Debt to equity0.07Fiscal year 2021Cash1.14Total debt0.79Net cash (debt)0.35Shareholders’ equity12.76Debt to equity0.06Fiscal year 2022Cash1.26Total debt0.79Net cash (debt)0.48Shareholders’ equity10.56Debt to equity0.07Fiscal year 2023Cash0.91Total debt0.79Net cash (debt)0.12Shareholders’ equity12.10Debt to equity0.07Fiscal year 2024Cash0.98Total debt0.79Net cash (debt)0.19Shareholders’ equity13.94Debt to equity0.06Fiscal year 2025Cash1.43Total debt0.79Net cash (debt)0.64Shareholders’ equity15.91Debt to equity0.05
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.78 0.66 0.78 0.77 0.90 1.14 1.26 0.91 0.98 1.43
Total debt 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79
Net cash (debt) −0.01 −0.13 −0.00 −0.02 0.11 0.35 0.48 0.12 0.19 0.64
Shareholders’ equity 7.06 8.24 7.83 9.86 10.79 12.76 10.56 12.10 13.94 15.91
Debt to equity 0.11 0.10 0.10 0.08 0.07 0.06 0.07 0.07 0.06 0.05

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
14.9% 12.7% 4.6% 31.2% 19.9% 38.4% −10.6% 22.7% 25.2% 23.6%
10.8% 18.2% 5.3% 25.2% 16.1% 30.8% −7.4% 18.4% 20.2% 18.9%
20.2% 18.1% 21.5% 14.9% 19.5% 20.4% 31.0% 20.3% 23.2% 24.5%
Spending
0.2% 0.3% 0.4% 0.3% 0.3% 0.2% 0.2% 0.2% 0.2% 0.2%
27.2% −43.2% −14.3% 19.2% 18.9% 19.7% n/a 19.0% 19.8% 19.7%
Returns
8.4% 12.7% 3.7% 20.2% 11.3% 23.3% −4.6% 15.2% 16.4% 15.0%
2.9% 4.8% 1.3% 7.9% 4.4% 9.5% −1.6% 5.6% 6.3% 5.8%
Balance and payout
0.11 0.10 0.10 0.08 0.07 0.06 0.07 0.07 0.06 0.05
65.4% 62.3% 64.3% 61.2% 60.8% 58.2% 64.5% 63.1% 61.8% 61.2%
51.8% 38.3% 117.1% 17.8% 30.8% 13.3% n/a 24.6% 21.4% 21.9%
31.3% 47.5% 39.7% 35.6% 43.2% 27.4% 40.9% 25.6% 23.4% 23.6%