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Home CompaniesCincinnati Financial Corporation

Cincinnati Financial Corporation

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
186.18 USD 0.70 ( 0.38%)
Last update at 2026-11-09T21:00:00Z
VOLUME
508351
Market Cap
26347.58M
P/E
8.12

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
184.69
Low
187.33
High
52 Week Price Range
147.54
Low
194.81
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Cincinnati Financial Corporation is a property‑casualty insurer selling personal and commercial lines through an independent agent network while managing investments to support underwriting; long-term growth drivers include rate and premium growth, geographic diversification, disciplined underwriting, and investment income. Investors may find the company attractive due to a conservative balance sheet, a track record of underwriting profitability, and a dividend policy.

Material risks include exposure to large catastrophe and underwriting losses, reserve adequacy, investment income variability from interest-rate and credit moves, and competitive or economic pressure on pricing and demand.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
185.48
Dividend Yield
2.10%
Revenue TTM
13954.00M
Revenue Per Share
89.88
Gross Profit TTM
4335.00M
Debt / Equity
0.06
ROE
21.48%
Net Debt
-545.00M
ROCE
13.55%
Diluted EPS TTM
21.13

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 2980.00M 2858.00M 2276.00M -693.00M 3670.00M
Net income 2393.00M 2292.00M 1843.00M -486.00M 2946.00M
Selling general administrative 3365.00M - - - -
Gross profit 6331.00M 5600.00M 9988.00M 6534.00M 9610.00M
Reconciled depreciation 168.00M 130.00M 113.00M 127.00M 93.00M
Ebit 3033.00M 2911.00M 2276.00M -640.00M 3660.00M
Ebitda 3201.00M 3041.00M 2276.00M -513.00M 3753.00M
Depreciation and amortization 168.00M 130.00M 112.00M 127.00M 93.00M
Operating income 2980.00M 2858.00M 2276.00M -640.00M 3660.00M
Other operating expenses 9665.00M 8479.00M 25.00M 7250.00M 5960.00M
Interest expense 5.30M 53.00M 54.00M 53.00M 53.00M
Tax provision 587.00M 566.00M 400.00M -207.00M 724.00M
Interest income 1155.00M 1016.00M 852.00M 785.00M 723.00M
Net interest income -53.00M -53.00M -53.00M -53.00M -53.00M
Income tax expense 587.00M 566.00M 433.00M -207.00M 724.00M
Total revenue 12631.00M 11337.00M 10013.00M 6557.00M 9630.00M
Total operating expenses 3365.00M 2742.00M 7692.00M -7174.00M -5970.00M
Cost of revenue 6300.00M 5737.00M 25.00M 23.00M 20.00M
Total other income expense net 21.00M -53.00M 11.00M -53.00M 10.00M
Net income from continuing ops 2393.00M 2292.00M 1674.00M -486.00M 2946.00M
Net income applicable to common shares - - - -486.00M 2946.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 41002.00M 36501.00M 32063.00M 29736.00M 31387.00M
Intangible assets 1344.00M 1242.00M -152.00M - -
Other current assets 71.00M 70.00M 3799.00M 837.00M -2767.00M
Total liab 25091.00M 22566.00M 19965.00M 19205.00M 18282.00M
Total stockholder equity 15911.00M 13935.00M 12098.00M 10531.00M 13105.00M
Deferred long term liab - - - 1045.00M 1744.00M
Other current liab 13340.00M 11479.00M 8399.00M -1045.00M -54.00M
Common stock 397.00M 397.00M 397.00M 397.00M 397.00M
Capital stock 397.00M 397.00M 397.00M 397.00M 397.00M
Retained earnings 16719.00M 14869.00M 13084.00M 11702.00M 12625.00M
Other liab - - - 11433.00M 14114.00M
Good will 30.00M 30.00M 30.00M - -
Other assets 39571.00M 36501.00M - 3083.00M 2841.00M
Cash 1431.00M 983.00M 907.00M 1264.00M 1139.00M
Total current liabilities 18619.00M 16317.00M 8424.00M 50.00M 54.00M
Current deferred revenue 5254.00M 4813.00M - 1045.00M -
Net debt -545.00M -108.00M -33.00M -373.00M -242.00M
Short term debt 25.00M 25.00M 25.00M 50.00M 54.00M
Short long term debt 25.00M 25.00M 25.00M 50.00M 54.00M
Short long term debt total 886.00M 875.00M 874.00M 891.00M 897.00M
Other stockholder equity -1171.00M -1022.00M -948.00M -932.00M -565.00M
Property plant equipment - - - 202.00M 205.00M
Total current assets 23951.00M 21367.00M 3799.00M 4478.00M 4004.00M
Long term investments 30965.00M 27665.00M 24780.00M 21973.00M 24666.00M
Net tangible assets - - - 10531.00M 13105.00M
Short term investments 18271.00M 16480.00M 13791.00M 452.00M 329.00M
Net receivables 4178.00M 3834.00M 3543.00M 3214.00M 2865.00M
Long term debt 790.00M 790.00M 790.00M 841.00M 843.00M
Inventory - - -18241.00M - 24666.00M
Accounts payable - - - 3052.00M 2627.00M
Accumulated other comprehensive income -34.00M -309.00M -435.00M -636.00M 648.00M
Common stock total equity - - - 397.00M 397.00M
Retained earnings total equity - - - 11702.00M 12625.00M
Treasury stock - - - -2324.00M -1921.00M
Non currrent assets other 1976.00M 1780.00M 2074.00M -1045.00M -24542.00M
Non current assets total 17051.00M 15134.00M 28264.00M 22175.00M 24542.00M
Capital lease obligations 71.00M 60.00M 59.00M 52.00M 54.00M
Long term debt total - - - 841.00M 843.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -1641.00M -1696.00M -1525.00M -788.00M -929.00M
Change to liabilities - - - 583.00M 538.00M
Total cashflows from investing activities -1691.00M -1696.00M - -933.00M -1057.00M
Net borrowings 0.00M 0.00M - -4.00M 12.00M
Total cash from financing activities -973.00M -877.00M -801.00M -994.00M -685.00M
Change to operating activities - - - 1192.00M 694.00M
Net income 2393.00M 2292.00M 1843.00M -486.00M 2946.00M
Change in cash 448.00M 76.00M -357.00M 125.00M 239.00M
Begin period cash flow 983.00M 907.00M 1264.00M 1139.00M 900.00M
End period cash flow 1431.00M 983.00M 907.00M 1264.00M 1139.00M
Total cash from operating activities 3112.00M 2649.00M 2052.00M 2052.00M 1981.00M
Depreciation 168.00M 130.00M 112.00M 127.00M 93.00M
Other cashflows from investing activities -30.00M -15.00M - -130.00M -113.00M
Dividends paid 525.00M 490.00M 454.00M 423.00M 395.00M
Change to account receivables -306.00M -266.00M -264.00M -340.00M -240.00M
Sale purchase of stock -205.00M -126.00M -67.00M -410.00M -144.00M
Other cashflows from financing activities -253.00M -261.00M -255.00M -161.00M -146.00M
Change to netincome - - - 1141.00M -1823.00M
Capital expenditures 20.00M 22.00M 18.00M 15.00M 15.00M
Change receivables - - - - -8.00M
Cash flows other operating - - - 687.00M 235.00M
Cash and cash equivalents changes - - - 125.00M 239.00M
Change in working capital 1629.00M 1433.00M 937.00M 1230.00M 740.00M
Stock based compensation 37.00M 51.00M 40.00M 27.00M 33.00M
Other non cash items -1361.00M -1323.00M -1063.00M 1509.00M -2308.00M
Free cash flow 3092.00M 2627.00M 2034.00M 2037.00M 1966.00M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CINF
Cincinnati Financial Corporation		 0.70
0.38%		 186.18 8.12 18.69 1.89 1.58 1.83
CB
Chubb Ltd		 -1.76
0.48%		 363.26 12.11 11.83 2.13 1.75 2.45
PGR
Progressive Corp		 0.09
0.04%		 227.86 11.10 13.55 1.41 3.74 1.50
TKOMF
Tokio Marine Holdings Inc.		 -0.15
3.95%		 3.65 28.94 12.24 0.01 1.87 1.61
TKOMY
Tokio Marine Holdings Inc		 0.03
0.82%		 3.68 28.73 12.25 0.01 1.87 1.61

Profile*

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.

6200 South Gilmore Road, Fairfield, OH, United States, 45014-5141

513 870 2000

https://www.cinfin.com

5705

Name Title Year Born
Mr. Steven Justus Johnston C.F.A., CERA, CFA, FCAS, MAAA Chairman & CEO 1960
Mr. Stephen Michael Spray Pres 1966
Mr. Michael James Sewell CPA, CPA CFO, Principal Accounting Officer, Exec. VP & Treasurer 1964
Mr. John Scott Kellington Chief Information Officer & Exec. VP of The Cincinnati Insurance Company 1962
Mr. Dennis E. McDaniel C.M.A., C.P.A., C.P.C.U., CFM, CMA, CPA, CPCU VP & Investor Relations Officer 1960
Ms. Lisa Anne Love Esq. Exec. VP, Chief Legal Officer & Corp. Sec. 1960
Betsy E. Ertel C.P.C.U. VP of Corp. Communications NA
Mr. Gregory Ziegler HR Director NA
Ms. Teresa Currin Cracas Esq. Chief Risk Officer & Exec. VP of The Cincinnati Insurance Company 1966
Mr. Donald Joseph Doyle Jr., C.P.C.U., CPCU, AIM Sr. VP of The Cincinnati Insurance Company 1967

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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