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Cincinnati Financial Corporation CINF

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195.36 USD +4.88 (+2.56%)

Nov 5, 2026, 9:55 AM EST

191.99 Day range 195.72
153.68 52-week range 195.32
YTD
+19.62%
1 year
+22.07%

Financial health

Altman Z-Score

2.40 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 10.8×
FY 2016: 21.1×FY 2017: 11.8×FY 2018: 44.0×FY 2019: 8.6×FY 2020: 11.6×FY 2021: 6.2×FY 2022: -33.5×FY 2023: 8.8×FY 2024: 9.8×FY 2025: 10.8×
FY 2016 5y median 8.8× FY 2025
P/S 2.0×
FY 2016: 2.3×FY 2017: 2.1×FY 2018: 2.3×FY 2019: 2.2×FY 2020: 1.9×FY 2021: 1.9×FY 2022: 2.5×FY 2023: 1.6×FY 2024: 2.0×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
P/B 1.6×
FY 2016: 1.8×FY 2017: 1.5×FY 2018: 1.6×FY 2019: 1.8×FY 2020: 1.3×FY 2021: 1.4×FY 2022: 1.5×FY 2023: 1.4×FY 2024: 1.6×FY 2025: 1.6×
FY 2016 5y median 1.5× FY 2025
P/FCF 8.3×
FY 2016: 11.4×FY 2017: 11.9×FY 2018: 10.9×FY 2019: 14.7×FY 2020: 9.6×FY 2021: 9.3×FY 2022: 8.0×FY 2023: 8.0×FY 2024: 8.6×FY 2025: 8.3×
FY 2016 5y median 8.3× FY 2025
EV/EBITDA 7.9×
FY 2016: 13.7×FY 2017: 14.9×FY 2018: 34.8×FY 2019: 6.7×FY 2020: 8.7×FY 2021: 4.7×FY 2022: -30.9×FY 2023: 6.7×FY 2024: 7.4×FY 2025: 7.9×
FY 2016 5y median 6.7× FY 2025
EV/Sales 2.0×
FY 2016: 2.3×FY 2017: 2.2×FY 2018: 2.4×FY 2019: 2.2×FY 2020: 1.9×FY 2021: 1.9×FY 2022: 2.4×FY 2023: 1.6×FY 2024: 2.0×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
FCF Yield 12.0%
FY 2016: 8.7%FY 2017: 8.4%FY 2018: 9.1%FY 2019: 6.8%FY 2020: 10.4%FY 2021: 10.7%FY 2022: 12.5%FY 2023: 12.4%FY 2024: 11.7%FY 2025: 12.0%
FY 2016 5y median 12.0% FY 2025

Profitability

Gross Margin 47.4%
FY 2016: 43.0%FY 2017: 40.9%FY 2018: 35.5%FY 2019: 54.1%FY 2020: 45.1%FY 2021: 59.4%FY 2022: 23.5%FY 2023: 47.3%FY 2024: 49.4%FY 2025: 47.4%
FY 2016 5y median 47.4% FY 2025
Operating Margin 23.6%
FY 2016: 14.9%FY 2017: 12.7%FY 2018: 4.6%FY 2019: 31.2%FY 2020: 19.9%FY 2021: 38.4%FY 2022: -10.6%FY 2023: 22.7%FY 2024: 25.2%FY 2025: 23.6%
FY 2016 5y median 23.6% FY 2025
Net Margin 18.9%
FY 2016: 10.8%FY 2017: 18.2%FY 2018: 5.3%FY 2019: 25.2%FY 2020: 16.1%FY 2021: 30.8%FY 2022: -7.4%FY 2023: 18.4%FY 2024: 20.2%FY 2025: 18.9%
FY 2016 5y median 18.9% FY 2025
ROE 15.0%
FY 2016: 8.4%FY 2017: 12.7%FY 2018: 3.7%FY 2019: 20.2%FY 2020: 11.3%FY 2021: 22.6%FY 2022: -4.6%FY 2023: 15.2%FY 2024: 16.4%FY 2025: 15.0%
FY 2016 5y median 15.2% FY 2025
ROIC 10.7%
FY 2016: 2955.0%FY 2017: 3041.7%FY 2018: 784.4%FY 2019: 5120.5%FY 2020: 2251.9%FY 2021: 15.6%FY 2022: -2.9%FY 2023: 10.1%FY 2024: 11.3%FY 2025: 10.7%
FY 2016 5y median 10.7% FY 2025
ROA 5.8%
FY 2016: 2.9%FY 2017: 4.8%FY 2018: 1.3%FY 2019: 7.9%FY 2020: 4.4%FY 2021: 9.5%FY 2022: -1.6%FY 2023: 5.6%FY 2024: 6.3%FY 2025: 5.8%
FY 2016 5y median 5.8% FY 2025

Growth (YoY)

Revenue 11.4%
FY 2016: 6.0%FY 2017: 5.2%FY 2018: -5.7%FY 2019: 46.6%FY 2020: -4.9%FY 2021: 27.7%FY 2022: -31.8%FY 2023: 52.6%FY 2024: 13.2%FY 2025: 11.4%
FY 2016 FY 2025
Operating Income 4.3%
FY 2016: -7.8%FY 2017: -10.1%FY 2018: -65.6%FY 2019: 884.9%FY 2020: -39.4%FY 2021: 146.7%FY 2022: -118.8%FY 2023: 428.0%FY 2024: 25.6%FY 2025: 4.3%
FY 2016 FY 2025
EPS (diluted) 4.4%
FY 2016: -7.3%FY 2017: 77.2%FY 2018: -72.3%FY 2019: 595.4%FY 2020: -38.1%FY 2021: 141.7%FY 2022: -116.9%FY 2023: 481.0%FY 2024: 24.6%FY 2025: 4.4%
FY 2016 FY 2025
Free Cash Flow 17.7%
FY 2016: 3.4%FY 2017: -5.0%FY 2018: 12.1%FY 2019: 2.0%FY 2020: 24.2%FY 2021: 33.7%FY 2022: 3.6%FY 2023: -0.1%FY 2024: 29.2%FY 2025: 17.7%
FY 2016 FY 2025

Financial Health

Current Ratio 1.3×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.4×FY 2022: 1.3×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
Quick Ratio 1.3×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.4×FY 2022: 1.3×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
Debt / Equity 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -0.2×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.0×FY 2020: -0.0×FY 2021: -0.1×FY 2022: 0.7×FY 2023: -0.0×FY 2024: -0.0×FY 2025: -0.2×
FY 2016 5y median -0.0× FY 2025
Interest Coverage 56.2×
FY 2016: 15.3×FY 2017: 13.8×FY 2018: 4.7×FY 2019: 46.6×FY 2020: 27.8×FY 2021: 69.8×FY 2022: -13.1×FY 2023: 42.1×FY 2024: 53.9×FY 2025: 56.2×
FY 2016 5y median 53.9× FY 2025

Dividends

Dividend Yield 2.0%
FY 2016: 2.5%FY 2017: 3.2%FY 2018: 2.6%FY 2019: 2.0%FY 2020: 2.6%FY 2021: 2.2%FY 2022: 2.6%FY 2023: 2.8%FY 2024: 2.2%FY 2025: 2.0%
FY 2016 5y median 2.2% FY 2025
Payout Ratio 21.9%
FY 2016: 51.8%FY 2017: 38.3%FY 2018: 117.1%FY 2019: 17.8%FY 2020: 30.8%FY 2021: 13.3%FY 2022: -86.9%FY 2023: 24.6%FY 2024: 21.4%FY 2025: 21.9%
FY 2016 5y median 21.4% FY 2025

Annual · latest fiscal year ends 2025-12-31