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CINFCincinnati Financial Corporation
$189.06$29.4B
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CINF logoCincinnati Financial Corporation(CINF)Earnings, Financials & Key Ratios

CINF•NASDAQ•Insurance & Managed Care
$189.06
12.5× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryCommercial lines and surety insurers
AboutCincinnati 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.Show more
  • Revenue$12.63B+11.4%
  • Combined Ratio76.52%+2.3%
  • Net Income$2.39B+4.4%
  • Return on Equity16.04%-8.9%
  • Medical Cost Ratio49.88%-1.4%
  • Operating Margin23.59%-6.4%
  • Net Margin18.95%-6.3%
  • ROA6.18%-6.7%
  • Equity / Assets38.81%+1.6%

CINF Price & Volume

Cincinnati Financial Corporation (CINF) stock price & volume — 10-year historical chart

Loading chart...

Equity Portfolio Volatility Masks Underwriting Margin Resilience

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Equity portfolio market volatility

Key Thesis Takeaways

  • Cincinnati Financial maintains a unique investment profile that drives significant earnings sensitivity to equity market fluctuations, as evidenced by the swing from a $90 million net loss in 2025Q1 to a $1.1 billion profit in 2025Q3.
  • While the company demonstrates robust capital accumulation with total equity growing to $15.7 billion by 2026Q1, investors should monitor the potential for reserve strengthening due to rising litigation costs and social inflation.
  • The long-term outlook remains tied to the company's ability to balance its aggressive investment strategy with consistent underwriting performance across its commercial lines.

Verdict Logic

while the company maintains a solid 1.8% dividend yield and robust equity base of $15.7 billion, the 21.20 forward P/E ratio suggests that current valuations may already price in the recovery from the 2025Q1 underwriting loss.

CINF Growth Metrics

Cincinnati Financial Corporation (CINF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years9.4%
5 Years10.88%
3 Years24.39%
TTM17.82%

Profit CAGR

10 Years14.21%
5 Years14.5%
3 Years-
TTM90.53%

EPS CAGR

10 Years14.76%
5 Years15.16%
3 Years-
TTM90.84%

Return on Capital

10 Years8.45%
5 Years11.94%
3 Years13.99%
Last Year14%

CINF Recent Earnings

Cincinnati Financial Corporation (CINF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
Apr 27, 2026
Metric
Actual
Est
EPS
$2.10+7.7%
$1.95
Rev
$2.6B-0.1%
$2.6B
Q1 2026
Feb 9, 2026
Metric
Actual
Est
EPS
$3.37+16.2%
$2.90
Rev
$2.6B+1.5%
$2.6B
Q4 2025
Oct 27, 2025
Metric
Actual
Est
EPS
$2.85+33.2%
$2.14
Rev
$3.7B+46.0%
$2.6B
Q3 2025
Jul 28, 2025
Metric
Actual
Est
EPS
$1.97+39.7%
$1.41
Rev
$3.2B+28.5%
$2.5B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 27, 2026
$2.10vs $1.95+7.7%
$2.6Bvs $2.6B-0.1%
Q1 2026Feb 9, 2026
$3.37vs $2.90+16.2%
$2.6Bvs $2.6B+1.5%
Q4 2025Oct 27, 2025
$2.85vs $2.14+33.2%
$3.7Bvs $2.6B+46.0%
Q3 2025Jul 28, 2025
$1.97vs $1.41+39.7%
$3.2Bvs $2.5B+28.5%
Based on last 12 quarters of dataView full earnings history →

Latest CINF News

Recent stock market news and headlines for Cincinnati Financial Corporation (CINF)

Zacks Investment Research·1 day ago
CINF Outperforms Industry, Trades Near 52-Week High: Time to Exit?

Cincinnati Financial's pricing discipline, premium growth and investment income support long-term growth, while catastrophe losses and rising claims costs remain risks.

Zacks Investment Research·4 days ago
Cincinnati Financial (CINF) Is Up 8.16% in One Week: What You Should Know

Does Cincinnati Financial (CINF) have what it takes to be a top stock pick for momentum investors? Let's find out.

24/7 Wall Street·5 days ago
This 65-Year Dividend Streak Nearly Broke. Here Is Why It Keeps Rising

Cincinnati Financial (NASDAQ:CINF | CINF Price Prediction) just sent another quarterly check to shareholders, extending one of the most remarkable streaks in American business.

Zacks Investment Research·6 days ago
Cincinnati Financial Corporation (CINF) Hits Fresh High: Is There Still Room to Run?

Cincinnati Financial (CINF) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

Zacks Investment Research·Jun 29, 2026
Cincinnati Financial (CINF) Surges 3.6%: Is This an Indication of Further Gains?

Cincinnati Financial (CINF) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.

Peers Comparison

Key metrics vs top competitors for Cincinnati Financial Corporation (CINF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CINF logoCINFCincinnati Financial CorporationCurrent
$189.06$29.43B12.4611.41%18.95%16.04%1.76%
CB logoCBChubb Limited
$359.30$139.36B13.966.47%18.48%14.49%—
TRV logoTRVThe Travelers Companies, Inc.
$343.73$73.09B12.535.17%15.54%24.14%—
HIG logoHIGThe Hartford Financial Services Group, Inc.
$139.64$38.4B10.487.1%14.13%22.01%—
WRB logoWRBW. R. Berkley Corporation
$71.54$26.63B16.087.82%12.64%19.47%—
ERIE logoERIEErie Indemnity Company
$256.37$11.84B24.147.17%13.2%25.03%—

Compare CINF vs Peers

Cincinnati Financial Corporation (CINF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CB

Most directly comparable listed peer for CINF.

Scale Benchmark

vs PGR

Larger-name benchmark to compare CINF against a more recognizable public peer.

Peer Set

Compare Top 5

vs CB, TRV, HIG, WRB

CINF SEC Filings & Documents

Cincinnati Financial Corporation (CINF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 27, 2026·SEC

Material company update

Feb 9, 2026·SEC

Material company update

Jan 30, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 23, 2026·SEC

FY 2025

Feb 24, 2025·SEC

10-Q Quarterly Reports

4
FY 2026

Apr 27, 2026·SEC

FY 2025

Oct 27, 2025·SEC

FY 2025

Jul 28, 2025·SEC

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CINF Frequently Asked Questions

Cincinnati Financial Corporation (CINF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Cincinnati Financial Corporation growing?

Cincinnati Financial Corporation (CINF) grew revenue by 11.4% over the past year. This is steady growth.

Is CINF profitable?

Yes, Cincinnati Financial Corporation (CINF) is profitable, generating $2.76B in net income for fiscal year 2025 (18.9% net margin).

Dividend & Returns
Does CINF pay dividends?

Yes, Cincinnati Financial Corporation (CINF) pays a dividend with a yield of 1.76%. This makes it attractive for income-focused investors.

What is CINF's return on equity?

Cincinnati Financial Corporation (CINF) has a return on equity (ROE) of 16.0%. This is reasonable for most industries.

Industry Metrics
What is Cincinnati Financial Corporation's combined ratio?

Cincinnati Financial Corporation (CINF) has a combined ratio of 76.5%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in CINF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →