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 Oct 29, 2026, 11:13 UTC 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
Sep '26	$3.0B	$459M	0.0%	0.0%	2.8%	1.1%	$787M	$791M	$1.2B
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

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 11.8× (Nov '26).
The price-to-sales ratio has fallen from 2.6× (Mar '23) to 2.2× (Nov '26).
The dividend yield has fallen from 2.5% (Mar '23) to 1.9% (Nov '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?

Cincinnati Financial's P/E (TTM) is 10.59 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the CINF stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 11.8× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.