Cincinnati Financial Corporation

Cincinnati Financial Corporation

CINFยทNASDAQ

$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.

At a Glance

Live Snapshot
Market Cap$24.44B
EPS15.1700
P/E Ratio10.42
Earnings Date07/27/2026
3Y+52.0%
5Y+109.0%
10Y+182.0%
3Y+81.0%
5Y+202.0%
10Y+271.0%
3Y-2.0%
5Y+22.0%
10Y+135.0%
CINF

Cincinnati Financial Corporation Cash Conversion Engine

CINF ยท NASDAQ
Net Income2.39B
Depreciation & Amortization168.00M
Stock-Based Compensation0.00
Change in Working Capital1.63B
Others-1.36B
Capital Expenditures-20.00M
Free Cash Flow3.09B

Cash Flow Quality Analysis

FCF Conversion Rate

129.2%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

0.6%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+17.7%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$1.63B

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Cincinnati Financial Corporation Cash Flow Statement

CINF โ€ข NASDAQ

Cincinnati Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
2.4B
2.3B
1.8B
-487M
2.9B
1.2B
2B
287M
1B
591M
634M
525M
517M
421M
164M
377M
432M
429M
855M
930M
168M
130M
112M
127M
93M
81M
72M
63M
55M
48M
52M
51M
50M
44M
42M
41M
38M
35M
36M
38M
283M
117M
223M
-355M
477M
136M
343M
-47M
-444M
38M
16M
37M
19M
26M
-18M
30M
71M
-127M
12M
-5M
0.0
0.0
0.0
36M
33M
31M
30M
28M
26M
23M
20M
19M
18M
16M
13M
11M
10M
15M
14M
17M
-1.4B
-1.3B
-1.1B
1.5B
-2.3B
-811M
-1.6B
455M
-100M
-76M
-26M
-86M
-39M
2M
-19M
-111M
-293M
-107M
-346M
-653M
(220M)
(395M)
(136M)
(165M)
(257M)
(84M)
(34M)
(98M)
(60M)
(213M)
(245M)
(154M)
(222M)
(38M)
(51M)
(167M)
(74M)
(197M)
(0.0)
(0.0)
1.6B
1.4B
937M
1.2B
740M
838M
362M
395M
470M
479M
368M
327M
231M
129M
65M
183M
267M
239M
134M
288M
3.1B
2.6B
2.1B
2.1B
2B
1.5B
1.2B
1.2B
1.1B
1.1B
1.1B
873M
796M
638M
247M
531M
525M
484M
705M
615M
INVESTING ACTIVITIES
-20M
-22M
-18M
-15M
-15M
-20M
-24M
-20M
-16M
-13M
-10M
-9M
-7M
-6M
-7M
-17M
-42M
-36M
-70M
-52M
-5.9B
-6.5B
-2.9B
-2.5B
-2.7B
-2.1B
-2.2B
-2B
-2.3B
-2.4B
-2.2B
-1.7B
-1.6B
-1.6B
-1.4B
-1.9B
-2.9B
-2.5B
-2.5B
-1.4B
4.3B
4.8B
1.3B
1.5B
1.7B
1.6B
1.5B
1.6B
1.7B
2B
1.6B
1.4B
1.1B
1.3B
1.4B
1.4B
2.2B
4B
1.6B
1.3B
-30M
-15M
-15M
7M
-2M
-15M
-5M
-8M
-9M
13M
16M
13M
-9M
1M
5M
2M
-4M
2M
13M
-17M
-1.7B
-1.7B
-1.6B
-933M
-1.1B
-560M
-679M
-451M
-558M
-456M
-624M
-311M
-509M
-304M
-8M
-529M
-815M
(1.5B)
-862M
-214M
FINANCING ACTIVITIES
-195M
-126M
-67M
-410M
-144M
-261M
-67M
-125M
-92M
-39M
-53M
-21M
-52M
0.0
-32M
-10M
0.0
-139M
-307M
-120M
0.0
0.0
-25M
-4M
0.0
15M
7M
8M
4M
-15M
-14M
-55M
0.0
0.0
55M
0.0
0.0
-780M
780M
49M
-525M
-490M
-454M
-423M
-395M
-375M
-355M
-336M
-400M
-306M
-366M
-278M
-263M
-256M
-255M
-252M
-249M
-250M
-240M
-228M
-205M
-126M
-67M
-410M
-144M
-261M
-67M
-125M
-92M
-39M
-53M
-21M
-52M
(0.0)
-32M
-10M
(0.0)
-139M
-307M
-120M
-253M
-261M
-255M
-157M
-146M
-177M
-131M
-150M
-126M
-75M
-78M
-72M
-26M
-29M
46M
88M
87M
-41M
-52M
-19M
-973M
-877M
-801M
-994M
-685M
-798M
-546M
-603M
-614M
-414M
-487M
-404M
-341M
-285M
-186M
-174M
-162M
-1.2B
181M
-318M
CASH FLOW SUMMARY
448M
76M
-357M
125M
239M
133M
-17M
127M
-120M
233M
-47M
158M
-54M
49M
53M
-172M
-452M
783M
24M
83M
983M
907M
1.3B
1.1B
900M
767M
784M
657M
777M
544M
591M
433M
487M
438M
385M
557M
1B
226M
202M
119M
1.4B
983M
907M
1.3B
1.1B
900M
767M
784M
657M
777M
544M
591M
433M
487M
438M
385M
557M
1B
226M
202M
3.1B
2.6B
2B
2B
2B
1.5B
1.2B
1.2B
1B
1.1B
1.1B
864M
789M
632M
240M
514M
483M
448M
635M
563M

SEC Filings

CINF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 19, 2026
May 19, 2026
2026
8-K

8-K 2026

N/A

May 06, 2026
May 02, 2026
2026
10-Q

10-Q 2026 Q1

Q1

April 27, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 27, 2026
2026
S-3

S-3

N/A

April 22, 2026
April 22, 2026
ย 
DEF 14A

DEF 14A 2026

N/A

March 18, 2026
May 02, 2026
2026
10-K

10-K 2025 FY

FY

February 23, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 09, 2026
February 09, 2026
2026
8-K

8-K 2026

N/A

January 30, 2026
January 30, 2026
2026
8-K

8-K 2025

N/A

November 14, 2025
November 14, 2025
2025
Showing 1 to 10 of 582 filings