CINF - NASDAQ

Cincinnati Financial Corporation

CINF·NASDAQ

$158.01

+0.0095%

Financial ServicesInsurance - Property & Casualty

Cincinnati Financial Corporation, together with its subsidiaries, 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, commercial property, commercial auto, and workers' compensation. It also provides director and officer liability insurance, contract and commercial surety bonds, and fidelity bonds; and machinery and equipment coverage. The Personal Lines Insurance segment offers personal auto insurance; homeowner insurance; and dwelling fire, inland marine, personal umbrella liability, and watercraft coverages to individuals. 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; 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 products; universal life insurance products; worksite products, such as term life; and whole life insurance products. 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. Cincinnati Financial Corporation was founded in 1950 and is headquartered in Fairfield, Ohio.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$24.44B

EPS15.1700

P/E Ratio10.42

Earnings Date07/27/2026

41.00B

Assets

12%

3Y+38.0%

5Y+49.0%

10Y+101.0%

25.09B

Total Liabilities

11%

3Y+31.0%

5Y+50.0%

10Y+88.0%

15.91B

Total Equity

14%

3Y+51.0%

5Y+47.0%

10Y+125.0%

Cincinnati Financial Corporation Funding & Solvency Profile

CINF · NASDAQ

Current Assets

Cash & Cash Equivalents1.43B

Net Receivables4.18B

Inventory0.00

Other Current Assets0.00

Total Current Assets24 B

Non-Current Assets

Property, Plant & Equipment219.00M

Goodwill & Intangible Assets1.34B

Long-Term Investments13.51B

Other Non-Current Assets1.98B

Total Non-Current Assets16 B

Total Assets

41.00B

Financial Health Analysis

Current Ratio

1.29x

Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.

Debt-to-Equity Ratio

1.58x

Elevated leverage. Debt exceeds equity, which amplifies both gains and risks. Monitor debt servicing ability.

Working Capital

5 B

Positive working capital, but relatively tight. The company should monitor cash flow carefully.

Asset Composition

58% Current

Balanced asset mix between current and non-current assets, typical of many stable businesses.

Cincinnati Financial Corporation Balance Sheet

CINF • NASDAQ

Cincinnati Financial Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	1.4B	983M	907M	1.3B	1.1B	900M	767M	784M	657M	777M	544M	591M	433M	487M	438M	385M	557M	1B	226M	202M
Short-Term Investments	18.3B	16.5B	13.8B	12.1B	13B	12.3B	11.7B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	6M	84M	101M	95M
Cash & Short-Term Investments	19.7B	17.5B	14.7B	13.4B	14.2B	13.2B	12.5B	784M	657M	777M	544M	591M	433M	487M	438M	385M	563M	1.1B	327M	297M
Net Receivables	4.2B	3.8B	3.5B	3.2B	2.9B	2.6B	2.6B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.9B	1.1B	1.1B	1.1B	1.2B	1.2B
Accounts Receivables	3.8B	3.5B	3.2B	3B	2.6B	2.4B	2.4B	0.0	0.0	0.0	0.0	0.0	0.0	1.8B	1.7B	1B	995M	1.1B	1.1B	1.1B
Other Receivables	381M	342M	300M	252M	242M	231M	210M	203M	195M	185M	191M	198M	206M	190M	195M	73M	75M	71M	92M	108M
Prepaids	71M	70M	55M	51M	78M	65M	54M	0.0	0.0	0.0	0.0	0.0	0.0	26M	24M	18M	15M	15M	13M	13M
Other Current Assets	0.0	0.0	0.0	0.0	0.0	-15.9B	-15.1B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	24B	21.4B	18.3B	16.7B	17.1B	0.0	0.0	784M	657M	777M	544M	591M	433M	487M	438M	1.5B	1.6B	1.1B	1.5B	1.5B
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	219M	214M	208M	202M	205M	213M	207M	195M	185M	183M	185M	194M	210M	217M	227M	229M	251M	236M	239M	193M
Goodwill	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-1.2B	0.0	0.0	-1.2B	0.0	0.0	-855M	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	1.3B	1.2B	1.1B	1B	905M	0.0	0.0	738M	670M	637M	616M	578M	565M	470M	0.0	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	1.3B	1.2B	1.1B	1B	905M	0.0	0.0	-504M	670M	637M	-571M	578M	565M	-385M	0.0	0.0	0.0	0.0	0.0	0.0
Long-Term Investments	13.5B	11.9B	11.6B	10.3B	11.6B	21.2B	19.5B	16.6B	16.9B	15.4B	14.4B	14.3B	13.5B	12.5B	11.7B	39M	10.6B	8.8B	12.2B	13.7B
Tax Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	745M	865M	0.0	840M	673M	0.0	0.0	0.0	0.0	0.0	0.0	1.7B
Other Non-Current Assets	2B	1.8B	1.6B	1.5B	1.5B	-21.4B	-19.7B	0.0	-32B	-29.1B	0.0	-27.1B	-25.3B	0.0	0.0	-8M	-10.7B	-8.9B	-11.4B	-13.9B
Total Non-Current Assets	17.1B	15.1B	14.5B	13B	14.3B	0.0	0.0	16.3B	2.5B	2.6B	14B	2.4B	2.3B	12.3B	12B	260M	152M	126M	977M	1.7B
Other Assets	0.0	0.0	0.0	0.0	0.0	27.5B	25.4B	4.9B	18.6B	17B	4.4B	15.8B	14.9B	3.8B	3.2B	13.3B	12.6B	12.2B	14.1B	14B
Total Assets	41B	36.5B	32.8B	29.7B	31.4B	27.5B	25.4B	21.9B	21.8B	20.4B	18.9B	18.7B	17.7B	16.5B	15.6B	15.1B	14.4B	13.4B	16.6B	17.2B
LIABILITIES
CURRENT LIABILITIES
Short Term Debt	25M	25M	25M	50M	54M	54M	39M	32M	24M	20M	35M	49M	104M	104M	104M	49M	49M	49M	69M	49M
Deferred Revenue	5.3B	4.8B	4.1B	3.7B	3.3B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	13.3B	11.5B	10.4B	9.5B	9B	-54M	-39M	-32M	-24M	-20M	-35M	-49M	-104M	-104M	3.7B	9.2B	8.8B	8.3B	9.8B	9.6B
Total Current Liabilities	18.6B	16.3B	14.5B	13.2B	12.4B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.8B	9.3B	8.9B	8.4B	9.9B	9.6B
NON-CURRENT LIABILITIES
Long Term Debt	790M	790M	790M	789M	789M	788M	788M	788M	787M	787M	786M	786M	790M	827M	821M	790M	790M	791M	791M	791M
Deferred Tax Liabilities (Non-Current)	1.8B	1.5B	1.3B	1.1B	1.7B	1.3B	1.1B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	3.8B	3.9B	4B	4.1B	3.3B	-2.1B	-1.9B	13.3B	12.8B	7.7B	7.2B	7.2B	6.7B	6.3B	-31M	0.0	0.0	0.0	0.0	0.0
Total Non-Current Liabilities	6.5B	6.2B	6.2B	6B	5.9B	0.0	0.0	14.1B	13.6B	8.6B	8.1B	8B	7.5B	7.1B	790M	790M	790M	791M	791M	791M
Other Liabilities	0.0	0.0	0.0	0.0	0.0	16.8B	15.5B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	6B	0.0	0.0	0.0	0.0	0.0
Capital Lease Obligations	71M	60M	59M	52M	54M	57M	57M	46M	40M	39M	35M	36M	45M	37M	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	25.1B	22.6B	20.7B	19.2B	18.3B	16.8B	15.5B	14.1B	13.6B	13.3B	12.5B	12.2B	11.6B	11.1B	10.6B	10.1B	9.7B	9.2B	10.7B	10.4B
SHAREHOLDERS' EQUITY
Treasury Stock	-2.7B	-2.5B	-2.4B	-2.3B	-1.9B	-1.8B	-1.5B	-1.5B	-1.4B	-1.3B	-1.3B	-1.3B	-1.3B	-1.2B	-1.2B	-1.2B	-1.2B	-1.2B	-1.1B	-763M
Common Stock	397M	397M	397M	397M	397M	397M	397M	397M	397M	397M	397M	397M	397M	394M	393M	393M	393M	393M	393M	391M
Additional Paid-In Capital	1.6B	1.5B	1.4B	1.4B	1.4B	1.3B	1.3B	1.3B	1.3B	1.3B	1.2B	1.2B	1.2B	1.1B	1.1B	1.1B	1.1B	1.1B	1B	1B
Retained Earnings	16.7B	14.9B	13.1B	11.7B	12.6B	10.1B	9.3B	7.6B	5.2B	5B	4.8B	4.5B	4.3B	4B	3.9B	4B	3.9B	3.6B	3.4B	2.8B
Accumulated Other Comprehensive Income/Loss	-34M	-309M	-435M	-614M	648M	769M	448M	22M	2.8B	1.7B	1.3B	1.7B	1.5B	1.1B	901M	769M	624M	347M	2.2B	3.4B
Total Stockholders' Equity	15.9B	13.9B	12.1B	10.6B	13.1B	10.8B	9.9B	7.8B	8.2B	7.1B	6.4B	6.6B	6.1B	5.5B	5.1B	5B	4.8B	4.2B	5.9B	6.8B
Total Equity	15.9B	13.9B	12.1B	10.6B	13.1B	10.8B	9.9B	7.8B	8.2B	7.1B	6.4B	6.6B	6.1B	5.5B	5.1B	5B	4.8B	4.2B	5.9B	6.8B
SUMMARY
Total Liabilities & Equity	41B	36.5B	32.8B	29.7B	31.4B	27.5B	25.4B	21.9B	21.8B	20.4B	18.9B	18.7B	17.7B	16.5B	15.6B	15.1B	14.4B	13.4B	16.6B	17.2B
Total Investments	31.8B	28.4B	25.4B	22.4B	24.7B	21.5B	19.7B	16.6B	16.9B	15.4B	14.4B	14.3B	13.5B	12.5B	11.7B	39M	10.6B	8.9B	12.3B	13.8B
Total Debt	886M	875M	874M	891M	897M	899M	884M	866M	851M	846M	856M	871M	939M	968M	925M	839M	839M	840M	860M	840M
Net Debt	-545M	-108M	-33M	-373M	-242M	-1M	117M	82M	194M	69M	312M	280M	506M	481M	487M	454M	282M	-169M	634M	638M
Shares Outstanding	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405	156,250,405

SEC Filings

CINF - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 19, 2026	May 19, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 06, 2026	May 02, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	April 27, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 27, 2026	April 27, 2026	2026	View Filing
S-3 S-3 N/A	April 22, 2026	April 22, 2026		View Filing
DEF 14A DEF 14A 2026 N/A	March 18, 2026	May 02, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 23, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 09, 2026	February 09, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 30, 2026	January 30, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 14, 2025	November 14, 2025	2025	View Filing

Showing 1 to 10 of 582 filings

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