CINF Financials Cincinnati Financial

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated 45 d ago Overview →

Growth & profitability

Revenue has grown 10.9% per year over the past 5 years.
Net income has grown faster than revenue (14.5% vs 10.9% per year).
Free cash flow has grown 16.0% per year over the past 5 years.

Financial health

The company holds more cash ($1.4B) than total debt ($790M).
Total debt has grown slower than revenue (0.1% vs 10.9% per year).

Shareholder returns

Dividends have been paid for 15 consecutive years, consuming 21.9% of earnings and 17.0% of free cash flow.
The dividend has grown 7.0% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	$12.6B	$2.4B	0.0%	0.0%	15.0%	5.8%	$3.1B	$790M	$1.4B
2024	$11.3B	$2.3B	0.0%	0.0%	16.4%	6.3%	$2.6B	$790M	$983M
2023	$10.0B	$1.8B	0.0%	0.0%	15.2%	5.6%	$2.0B	$790M	$907M
2022	$6.6B	-$487M	0.0%	0.0%	-4.6%	-1.6%	$2.0B	$789M	$1.3B
2021	$9.6B	$3.0B	0.0%	0.0%	23.3%	9.5%	$2.0B	$789M	$1.1B
2020	$7.5B	$1.2B	0.0%	0.0%	11.3%	4.4%	$1.5B	$788M	$900M
2019	$7.9B	$2.0B	0.0%	0.0%	20.2%	7.9%	$1.2B	$788M	$767M
2018	$5.4B	$287M	0.0%	0.0%	3.7%	1.3%	$1.2B	$788M	$784M
2017	$5.7B	$1.0B	0.0%	0.0%	12.7%	4.8%	$1.0B	$787M	$657M
2016	$5.4B	$591M	0.0%	0.0%	8.4%	2.9%	$1.1B	$787M	$777M
2015	$5.1B	$634M	0.0%	0.0%	9.9%	3.4%	$1.1B	$786M	$544M
2014	$4.9B	$525M	0.0%	0.0%	8.0%	2.8%	$864M	$786M	$591M
2013	$4.5B	$517M	0.0%	0.0%	8.5%	2.9%	$789M	$790M	$433M
2012	$4.1B	$421M	0.0%	0.0%	7.7%	2.5%	$632M	$790M	$487M
2011	$3.8B	$164M	0.0%	0.0%	3.3%	1.0%	$240M	$790M	$438M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	$4.3B	$1.3B	0.0%	0.0%	7.5%	2.9%	$698M	$791M	$1.8B
Mar '26	$2.9B	$274M	0.0%	0.0%	1.7%	0.7%	$654M	$791M	$1.2B
Dec '25	$3.1B	$676M	0.0%	0.0%	4.2%	1.6%	$939M	$790M	$1.4B
Sep '25	$3.7B	$1.1B	0.0%	0.0%	7.3%	2.8%	$1.1B	$790M	$1.5B
Jun '25	$3.2B	$685M	0.0%	0.0%	4.8%	1.8%	$737M	$790M	$995M
Mar '25	$2.6B	-$90M	0.0%	0.0%	-0.7%	-0.2%	$307M	$790M	$1.0B
Dec '24	$2.5B	$405M	0.0%	0.0%	2.9%	1.1%	$638M	$790M	$983M
Sep '24	$3.3B	$820M	0.0%	0.0%	5.9%	2.2%	$906M	$790M	$1.8B
Jun '24	$2.5B	$312M	0.0%	0.0%	2.4%	0.9%	$737M	$790M	$771M
Mar '24	$2.9B	$755M	0.0%	0.0%	6.0%	2.2%	$346M	$790M	$619M
Dec '23	$3.4B	$1.2B	0.0%	0.0%	9.8%	3.6%	$569M	$790M	$907M
Sep '23	$1.8B	-$99M	0.0%	0.0%	-0.9%	-0.3%	$648M	$790M	$899M
Jun '23	$2.6B	$534M	0.0%	0.0%	4.8%	1.7%	$571M	$789M	$748M
Mar '23	$2.2B	$225M	0.0%	0.0%	2.1%	0.7%	$246M	$789M	$955M
Dec '22	$3.1B	$1.0B	0.0%	0.0%	9.6%	3.4%	$628M	$789M	$1.3B
Sep '22	$1.4B	-$416M	0.0%	0.0%	-4.4%	-1.5%	$662M	$789M	$1.1B
Jun '22	$820M	-$818M	0.0%	0.0%	-7.8%	-2.8%	$553M	$789M	$1.1B
Mar '22	$1.2B	-$266M	0.0%	0.0%	-2.2%	-0.9%	$194M	$789M	$987M
Dec '21	$3.3B	$1.5B	0.0%	0.0%	11.5%	4.7%	$460M	$789M	$1.1B
Sep '21	$1.8B	$153M	0.0%	0.0%	1.3%	0.5%	$598M	$789M	$1.1B

Valuation over time

How the market has priced CINF against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 9.2× (Jan '24) to 11.2× (Sep '26).
The price-to-sales ratio has fallen from 2.6× (Mar '23) to 2.1× (Sep '26).
The dividend yield has fallen from 2.5% (Mar '23) to 2.0% (Sep '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is CINF growing its revenue and profit?

Over the past 5 years, Cincinnati Financial's revenue has grown 10.9% per year, and net income grown 14.5% per year. These are computed facts, not advice.

How much debt does CINF have?

As of FY2025, Cincinnati Financial reported $790M of total debt against $1.4B of cash.

What is CINF's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 18.9%.

What is CINF's P/E ratio?

As of Sep '26, Cincinnati Financial traded at a price-to-earnings ratio of about 11.2× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.