Cincinnati Financial Corporation (CINF) Stock

About Cincinnati Financial Corporation

Cincinnati Financial Corporation is led by CEO Stephen Michael Spray, employs 5,624 people, headquartered in Fairfield, US, publicly traded since 1980.

Cincinnati Financial Corporation (CINF) stock trades at $176.30 with a market capitalization of $27.06B. The stock is valued at a price-to-earnings (P/E) ratio of 7.57, price-to-book of 1.49, price-to-sales of 1.77. Over the past 52 weeks the stock has ranged between $150.00 and $194.81, and currently trades 9.5% below its 52-week high. It pays a dividend yielding 2.33%.

On profitability, Cincinnati Financial Corporation generates a return on equity (ROE) of 20.89%, above the typical market range of roughly 12-15%, return on capital employed of 18.89%, an operating margin of 23.59%, a net profit margin of 23.84%.

In its most recent fiscal year, Cincinnati Financial Corporation reported annual revenue of $12.6B, net profit of $2.4B. Over the last 5 fiscal years, revenue grew at an average annual rate of 10.9%, and net profit grew at an average annual rate of 14.5%. Over that span net profit grew faster than revenue, so net margin widened.

The balance sheet shows a debt-to-equity ratio of 0.05 (debt below half of shareholders' equity), a current ratio of 1.29, total assets of $41.0B, $1.4B in cash and equivalents. For banks and other lenders, borrowing and deposits are part of the business model, so debt-to-equity and the current ratio read differently than for other companies.

CINF has an average daily trading volume of 721,206 shares, a beta of 0.55 (historically less volatile than the overall market).

Cincinnati Financial Corporation by the numbers, 2016–2025

Between 2016 and 2025 Cincinnati Financial Corporation reported revenue of $5.4B rising to $12.6B, a change of +131.8% across 10 years. Compounded, revenue has grown 10.9% a year over five years, 24.4% over three, 11.4% over the last twelve months. Net profit rose to $2.4B.

Operating margin went from 14.9% in 2016 to 23.6% in 2025, a gain of 8.7 percentage points. The most recent net margin is 23.84%. On a trailing twelve-month basis to Jun '26, revenue is $14.0B and net profit $3.3B.

Borrowings rose from $846.0M to $886.0M, cash from operations was $3.1B in the latest year, positive in 10 of the last 10.

Return on equity has averaged 12.9% over five years, and was 15.0% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Cincinnati Financial Corporation (CINF) — frequently asked questions