Symbols / CINF Stock $162.05 -0.95% Cincinnati Financial Corporation

Financial Services • Insurance - Property & Casualty • United States • NMS
CINF (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. Stephen Michael Spray
Exch · Country NMS · United States
Market Cap 25.07B
Enterprise Value 24.69B
Income 2.76B
Sales 12.93B
FCF (ttm) 2.75B
Book/sh 101.64
Cash/sh 8.14
Employees 5,705
Insider 10d —
IPO Mar 17, 1980
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 20.30%
P/E 9.26
Forward P/E 17.70
PEG 2.19
P/S 1.94
P/B 1.59
P/C —
EV/EBITDA 6.77
EV/Sales 1.91
Quick Ratio 0.87
Current Ratio 1.04
Debt/Eq 5.63
LT Debt/Eq —
EPS (ttm) 17.50
EPS next Y 9.16
EPS Growth —
Revenue Growth 11.60%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-07-27
Earnings (prior) 2026-04-27
ROA 5.55%
ROE 18.73%
ROIC —
Gross Margin 27.94%
Oper. Margin 11.84%
Profit Margin 21.33%
Shs Outstand 154.69M
Shs Float 151.83M
Insider Own 1.68%
Instit Own 71.58%
Short Float 1.76%
Short Ratio 3.13
Short Interest 2.33M
52W High 174.27
vs 52W High -7.01%
52W Low 141.78
vs 52W Low 14.30%
Beta 0.64
Impl. Vol. 24.87%
Rel Volume 0.55
Avg Volume 802.58K
Volume 444.76K
Target (mean) $179.17
Tgt Median $180.50
Tgt Low $161.00
Tgt High $191.00
# Analysts 6
Recom Buy
Prev Close $163.60
Price $162.05
Change -0.95%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$179.17
Mean price target
2. Current target
$162.05
Latest analyst target
3. DCF / Fair value
$319.80
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$162.05
Low
$161.00
High
$191.00
Mean
$179.17

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-29 main Keefe, Bruyette & Woods Outperform → Outperform $191
2026-04-28 main Roth Capital Buy → Buy $190
2026-04-14 main B of A Securities Buy → Buy $177
2026-04-07 main Keefe, Bruyette & Woods Outperform → Outperform $190
2026-01-06 main Keefe, Bruyette & Woods Outperform → Outperform $191
2025-12-22 main Piper Sandler Neutral → Neutral $157
2025-11-04 main Keefe, Bruyette & Woods Outperform → Outperform $180
2025-10-28 main B of A Securities Buy → Buy $186
2025-10-13 main B of A Securities Buy → Buy $184
2025-10-06 main Keefe, Bruyette & Woods Outperform → Outperform $177
2025-08-05 main Keefe, Bruyette & Woods Outperform → Outperform $168
2025-07-29 main Roth Capital Buy → Buy $175
2025-07-09 main Keefe, Bruyette & Woods Outperform → Outperform $167
2025-04-09 main Keefe, Bruyette & Woods Outperform → Outperform $148
2025-02-13 main Keefe, Bruyette & Woods Outperform → Outperform $182
2025-02-12 main Roth MKM Buy → Buy $160
2024-10-29 main Piper Sandler Neutral → Neutral $126
2024-10-29 main Keefe, Bruyette & Woods Outperform → Outperform $156
2024-10-10 main B of A Securities Buy → Buy $168
2024-08-06 main B of A Securities Buy → Buy $149
News
RSS: Latest CINF news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-02 JOHNSTON STEVEN J Chairman of the Board — 30,862 — —
2026-03-02 CRACAS TERESA C Officer — 10,852 — —
2026-03-02 SEWELL MICHAEL J Chief Financial Officer — 17,090 — —
2026-03-02 SPRAY STEPHEN M Chief Executive Officer — 15,691 — —
2026-03-02 VAN DEN HEUVEL WILL H Officer — 8,229 — —
2026-03-02 BROWN ROGER A. Officer — 5,935 — —
2026-03-02 GIVLER SEAN MICHAEL Officer — 8,735 — —
2026-03-02 DELANEY ANGELA OSSELLO Officer — 7,661 — —
2026-03-02 KELLINGTON JOHN S Officer — 11,920 — —
2026-03-02 SCHAMBOW MARC JON Officer — 8,398 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
12,631.00
+11.41%
11,337.00
+13.22%
10,013.00
+52.57%
6,563.00
Operating Revenue
12,631.00
+11.41%
11,337.00
+13.22%
10,013.00
+52.57%
6,563.00
Other Operating Expenses
34.00
+6.25%
32.00
+28.00%
25.00
+8.70%
23.00
Total Expenses
9,651.00
+13.82%
8,479.00
+9.59%
7,737.00
+6.61%
7,257.00
Reconciled Depreciation
168.00
+29.23%
130.00
+16.07%
112.00
-11.81%
127.00
EBIT
3,033.00
+4.19%
2,911.00
+24.94%
2,330.00
+463.49%
-641.00
Net Income
2,393.00
+4.41%
2,292.00
+24.36%
1,843.00
+478.44%
-487.00
Pretax Income
2,980.00
+4.27%
2,858.00
+25.57%
2,276.00
+427.95%
-694.00
Net Non Operating Interest Income Expense
-53.00
+0.00%
-53.00
+1.85%
-54.00
-1.89%
-53.00
Interest Expense Non Operating
53.00
+0.00%
53.00
-1.85%
54.00
+1.89%
53.00
Net Interest Income
-53.00
+0.00%
-53.00
+1.85%
-54.00
-1.89%
-53.00
Interest Expense
53.00
+0.00%
53.00
-1.85%
54.00
+1.89%
53.00
Interest Income
1,155.00
+13.68%
1,016.00
+15.19%
882.00
+12.36%
785.00
Other Income Expense
21.00
+40.00%
15.00
+15.38%
13.00
+30.00%
10.00
Tax Provision
587.00
+3.71%
566.00
+30.72%
433.00
+309.18%
-207.00
Tax Rate For Calcs
0.00
-0.51%
0.00
+4.21%
0.00
-36.30%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
2,393.00
+4.41%
2,292.00
+24.36%
1,843.00
+478.44%
-487.00
Net Income From Continuing Operation Net Minority Interest
2,393.00
+4.41%
2,292.00
+24.36%
1,843.00
+478.44%
-487.00
Net Income From Continuing And Discontinued Operation
2,393.00
+4.41%
2,292.00
+24.36%
1,843.00
+478.44%
-487.00
Net Income Continuous Operations
2,393.00
+4.41%
2,292.00
+24.36%
1,843.00
+478.44%
-487.00
Normalized Income
2,393.00
+4.41%
2,292.00
+24.36%
1,843.00
+478.44%
-487.00
Net Income Common Stockholders
2,393.00
+4.41%
2,292.00
+24.36%
1,843.00
+478.44%
-487.00
Diluted EPS
15.17
+4.40%
14.53
+24.61%
11.66
+481.05%
-3.06
Basic EPS
15.32
+4.57%
14.65
+24.79%
11.74
+483.66%
-3.06
Basic Average Shares
156.20
-0.16%
156.45
-0.34%
156.98
-1.16%
158.82
Diluted Average Shares
157.70
-0.06%
157.80
-0.19%
158.10
-0.46%
158.82
Diluted NI Availto Com Stockholders
2,393.00
+4.41%
2,292.00
+24.36%
1,843.00
+478.44%
-487.00
Loss Adjustment Expense
6,640.00
+15.74%
5,737.00
+8.78%
5,274.00
+5.08%
5,019.00
Net Policyholder Benefits And Claims
6,640.00
+15.74%
5,737.00
+8.78%
5,274.00
+5.08%
5,019.00
Policyholder Benefits Ceded
656.00
+700.00%
82.00
-65.83%
240.00
-9.77%
266.00
Policyholder Benefits Gross
7,296.00
+25.38%
5,819.00
+5.53%
5,514.00
+4.33%
5,285.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
41,002.00
+12.33%
36,501.00
+11.39%
32,769.00
+10.21%
29,732.00
Cash Cash Equivalents And Short Term Investments
19,702.00
+12.82%
17,463.00
+18.81%
14,698.00
+9.72%
13,396.00
Cash And Cash Equivalents
1,431.00
+45.57%
983.00
+8.38%
907.00
-28.24%
1,264.00
Other Short Term Investments
18,271.00
+10.87%
16,480.00
+19.50%
13,791.00
+13.67%
12,132.00
Receivables
4,178.00
+8.97%
3,834.00
+8.21%
3,543.00
+9.39%
3,239.00
Accounts Receivable
3,797.00
+8.73%
3,492.00
+7.68%
3,243.00
+8.57%
2,987.00
Other Receivables
381.00
+11.40%
342.00
+14.00%
300.00
+19.05%
252.00
Prepaid Assets
71.00
+1.43%
70.00
+27.27%
55.00
+7.84%
51.00
Net PPE
219.00
+2.34%
214.00
+2.88%
208.00
+2.97%
202.00
Investments And Advances
30,965.00
+11.93%
27,665.00
+11.64%
24,780.00
+12.77%
21,973.00
Total Liabilities Net Minority Interest
25,091.00
+11.19%
22,566.00
+9.17%
20,671.00
+7.83%
19,170.00
Current Debt And Capital Lease Obligation
25.00
+0.00%
25.00
+0.00%
25.00
-50.00%
50.00
Current Debt
25.00
+0.00%
25.00
+0.00%
25.00
-50.00%
50.00
Long Term Debt And Capital Lease Obligation
861.00
+1.29%
850.00
+0.12%
849.00
+0.95%
841.00
Long Term Debt
790.00
+0.00%
790.00
+0.00%
790.00
+0.13%
789.00
Long Term Capital Lease Obligation
71.00
+18.33%
60.00
+1.69%
59.00
+13.46%
52.00
Non Current Deferred Liabilities
1,833.00
+24.19%
1,476.00
+11.48%
1,324.00
+25.62%
1,054.00
Non Current Deferred Taxes Liabilities
1,833.00
+24.19%
1,476.00
+11.48%
1,324.00
+25.62%
1,054.00
Stockholders Equity
15,911.00
+14.18%
13,935.00
+15.18%
12,098.00
+14.54%
10,562.00
Common Stock Equity
15,911.00
+14.18%
13,935.00
+15.18%
12,098.00
+14.54%
10,562.00
Capital Stock
397.00
+0.00%
397.00
+0.00%
397.00
+0.00%
397.00
Common Stock
397.00
+0.00%
397.00
+0.00%
397.00
+0.00%
397.00
Share Issued
198.32
+0.00%
198.32
+0.01%
198.30
+0.00%
198.30
Ordinary Shares Number
155.42
-0.57%
156.32
-0.44%
157.00
-0.06%
157.10
Treasury Shares Number
42.90
+2.14%
42.00
+1.69%
41.30
+0.24%
41.20
Additional Paid In Capital
1,561.00
+3.93%
1,502.00
+4.52%
1,437.00
+3.23%
1,392.00
Retained Earnings
16,719.00
+12.44%
14,869.00
+13.64%
13,084.00
+11.72%
11,711.00
Gains Losses Not Affecting Retained Earnings
-34.00
+89.00%
-309.00
+28.97%
-435.00
+29.15%
-614.00
Treasury Stock
2,732.00
+8.24%
2,524.00
+5.83%
2,385.00
+2.62%
2,324.00
Other Equity Adjustments
-34.00
+89.00%
-309.00
+28.97%
-435.00
+29.15%
-614.00
Total Equity Gross Minority Interest
15,911.00
+14.18%
13,935.00
+15.18%
12,098.00
+14.54%
10,562.00
Total Capitalization
16,701.00
+13.42%
14,725.00
+14.25%
12,888.00
+13.54%
11,351.00
Invested Capital
16,726.00
+13.40%
14,750.00
+14.23%
12,913.00
+13.26%
11,401.00
Total Debt
886.00
+1.26%
875.00
+0.11%
874.00
-1.91%
891.00
Capital Lease Obligations
71.00
+18.33%
60.00
+1.69%
59.00
+13.46%
52.00
Net Tangible Assets
15,911.00
+14.18%
13,935.00
+15.18%
12,098.00
+14.54%
10,562.00
Tangible Book Value
15,911.00
+14.18%
13,935.00
+15.18%
12,098.00
+14.54%
10,562.00
Current Notes Payable
25.00
+0.00%
25.00
+0.00%
25.00
-50.00%
50.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
3,112.00
+17.48%
2,649.00
+29.09%
2,052.00
+0.00%
2,052.00
Cash Flow From Continuing Operating Activities
3,112.00
+17.48%
2,649.00
+29.09%
2,052.00
+0.00%
2,052.00
Net Income From Continuing Operations
2,393.00
+4.41%
2,292.00
+24.36%
1,843.00
+478.44%
-487.00
Depreciation
168.00
+29.23%
130.00
+16.07%
112.00
-11.81%
127.00
Depreciation And Amortization
168.00
+29.23%
130.00
+16.07%
112.00
-11.81%
127.00
Stock Based Compensation
—
—
—
—
Deferred Tax
283.00
+141.88%
117.00
-47.53%
223.00
+162.82%
-355.00
Deferred Income Tax
283.00
+141.88%
117.00
-47.53%
223.00
+162.82%
-355.00
Operating Gains Losses
-1,405.00
-2.78%
-1,367.00
-23.38%
-1,108.00
-174.21%
1,493.00
Gain Loss On Investment Securities
-1,405.00
-2.78%
-1,367.00
-23.38%
-1,108.00
-174.21%
1,493.00
Change In Working Capital
1,629.00
+13.68%
1,433.00
+52.93%
937.00
-23.88%
1,231.00
Change In Receivables
-306.00
-15.04%
-266.00
-0.76%
-264.00
+22.35%
-340.00
Changes In Account Receivables
-306.00
-15.04%
-266.00
-0.76%
-264.00
+22.35%
-340.00
Change In Other Working Capital
26.00
+116.67%
12.00
-71.43%
42.00
+205.00%
-40.00
Change In Other Current Assets
-73.00
-421.43%
-14.00
+53.33%
-30.00
-207.14%
28.00
Change In Other Current Liabilities
84.00
-37.31%
134.00
+48.89%
90.00
+2.27%
88.00
Investing Cash Flow
-1,691.00
+0.29%
-1,696.00
-5.47%
-1,608.00
-72.35%
-933.00
Cash Flow From Continuing Investing Activities
-1,691.00
+0.29%
-1,696.00
-5.47%
-1,608.00
-72.35%
-933.00
Net PPE Purchase And Sale
-20.00
+9.09%
-22.00
-22.22%
-18.00
-20.00%
-15.00
Purchase Of PPE
-20.00
+9.09%
-22.00
-22.22%
-18.00
-20.00%
-15.00
Capital Expenditure
-20.00
+9.09%
-22.00
-22.22%
-18.00
-20.00%
-15.00
Net Investment Purchase And Sale
-1,641.00
+1.08%
-1,659.00
-5.33%
-1,575.00
-70.27%
-925.00
Purchase Of Investment
-5,909.00
+8.53%
-6,460.00
-121.46%
-2,917.00
-18.19%
-2,468.00
Sale Of Investment
4,268.00
-11.10%
4,801.00
+257.75%
1,342.00
-13.03%
1,543.00
Net Other Investing Changes
-30.00
-100.00%
-15.00
+0.00%
-15.00
-314.29%
7.00
Financing Cash Flow
-973.00
-10.95%
-877.00
-9.49%
-801.00
+19.42%
-994.00
Cash Flow From Continuing Financing Activities
-973.00
-10.95%
-877.00
-9.49%
-801.00
+19.42%
-994.00
Net Issuance Payments Of Debt
0.00
0.00
+100.00%
-25.00
-525.00%
-4.00
Net Long Term Debt Issuance
—
—
-25.00
-525.00%
-4.00
Net Common Stock Issuance
-205.00
-62.70%
-126.00
-88.06%
-67.00
+83.66%
-410.00
Common Stock Payments
-205.00
-62.70%
-126.00
-88.06%
-67.00
+83.66%
-410.00
Common Stock Dividend Paid
-525.00
-7.14%
-490.00
-7.93%
-454.00
-7.33%
-423.00
Cash Dividends Paid
-525.00
-7.14%
-490.00
-7.93%
-454.00
-7.33%
-423.00
Repurchase Of Capital Stock
-205.00
-62.70%
-126.00
-88.06%
-67.00
+83.66%
-410.00
Proceeds From Stock Option Exercised
10.00
+0.00%
10.00
+11.11%
9.00
-10.00%
10.00
Net Other Financing Charges
-253.00
+6.64%
-271.00
-2.65%
-264.00
-58.08%
-167.00
Changes In Cash
448.00
+489.47%
76.00
+121.29%
-357.00
-385.60%
125.00
Beginning Cash Position
983.00
+8.38%
907.00
-28.24%
1,264.00
+10.97%
1,139.00
End Cash Position
1,431.00
+45.57%
983.00
+8.38%
907.00
-28.24%
1,264.00
Free Cash Flow
3,092.00
+17.70%
2,627.00
+29.15%
2,034.00
-0.15%
2,037.00
Interest Paid Supplemental Data
53.00
+0.00%
53.00
-1.85%
54.00
+1.89%
53.00
Income Tax Paid Supplemental Data
220.00
-44.30%
395.00
+190.44%
136.00
-17.58%
165.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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