Cincinnati Financial Corp logo

Cincinnati Financial Corp (CINF)

Common Stock · Currency in USD · XNAS

Cincinnati Financial Corp is a property and casualty insurance company that generates income through written premiums. A select group of independent agencies actively markets the company's business, home, and automotive insurance within their communities. These agents offer the company's personal lines as well as its standard market, excess, and surplus commercial line policies in many regions in the United States. Cincinnati Financial also offers leasing and financing services. The company operates in segments: Commercial lines insurance, Personal lines insurance, Excess and surplus lines insurance, Life insurance, and Investments. The vast majority of the company's revenue is generated through commercial lines, followed by personal lines.

Company Info

SIC6331
Composite FIGIBBG000BFPK65
CIK0000020286
IPOJun 1, 1972
Sectorfire, marine & casualty insurance

Highlights

Market Cap$24.66B
EPS$28.76
P/E Ratio5.50
Revenue$13.95B
Gross Profit$14.90B
Net Income$4.49B
Employees5,705
WSO155,686,200
Phone(513) 870-2000

Related Tickers

Analysis

Share Price Chart

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Cincinnati Financial Corp, comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.

Returns By Period

Cincinnati Financial Corp (CINF) has returned -3.01% so far this year and 22.76% over the past 12 months. Looking at the last ten years, CINF has achieved an annualized return of 9.15%, underperforming the Benchmark (SPY), which averaged 12.23% per year.

CINF

1M-4.97%
6M-3.59%
YTD-3.01%
1Y22.76%
5Y8.48%
10Y9.15%

Benchmark (SPY)

1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%

Monthly Returns

The table below presents the monthly returns of Cincinnati Financial Corp (CINF) with color gradation from worst to best to easily spot seasonal factors.

JanFebMarAprMayJunJulAugSepOctNovDec
2026-1.49%1.50%-4.24%0.84%
2025-4.76%7.84%-0.31%-5.77%9.35%-1.10%-0.71%4.64%3.27%-1.85%8.92%-2.12%
20247.17%3.55%8.92%-6.67%1.63%0.66%9.78%4.40%-0.49%3.24%13.45%-10.14%
202310.50%6.96%-6.53%-5.04%-8.92%0.84%11.39%-1.65%-4.10%-2.13%2.38%0.86%
20223.03%4.52%11.76%-10.57%3.89%-7.08%-18.08%0.62%-7.50%13.99%7.24%-8.45%
2021-4.25%14.97%4.15%9.52%6.17%-4.64%0.70%3.93%-7.44%6.15%-6.50%-1.61%
2020-0.63%-11.90%-19.73%-8.53%-8.52%9.28%21.86%1.63%-1.33%-9.23%5.56%12.17%
20195.90%6.96%-1.66%11.38%1.82%5.24%2.68%4.96%3.71%-3.15%-5.70%-1.71%
20182.03%-2.66%-0.72%-5.02%-1.21%-4.44%13.59%1.43%0.42%1.98%4.15%-6.17%
2017-7.45%3.02%-2.46%-0.47%-2.96%3.51%4.41%0.65%-0.76%-8.21%6.36%-0.04%
20161.12%4.98%8.61%-0.31%3.31%-2.39%-5.51%8.65%-1.53%

Performance Indicators

The charts below present risk-adjusted performance metrics for Cincinnati Financial Corp (CINF) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.

Sharpe ratio

-2.00-1.000.001.002.003.00CINF: 0.42SPY: 0.92

Sortino ratio

-6.00-4.00-2.000.002.004.00CINF: 0.58SPY: 1.40

Omega ratio

0.501.001.502.00CINF: 1.08SPY: 1.22

Calmar ratio

0.002.004.006.00CINF: 0.47SPY: 1.20

Martin ratio

0.001.003.00CINF: 0.14SPY: 0.42

The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.

The chart below shows the rolling Sharpe ratio of CINF compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

Volatility Chart

The current Cincinnati Financial Corp volatility is 1.27%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.

Income Statement

The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.

2025202420232022202120202019201820172016201520142013201220112010
Liabilities And Equity (USD)41.00B36.50B32.77B29.74B31.39B27.54B25.41B21.94B21.84B20.39B18.89B18.75B17.66B16.55B15.67B15.10B
Equity Attributable To Parent (USD)15.91B13.94B12.10B10.53B13.11B10.79B9.86B7.83B8.24B7.06B6.43B6.57B6.07B5.45B5.06B5.03B
Equity Attributable To Noncontrolling Interest (USD)----------------
Equity (USD)15.91B13.94B12.10B10.53B13.11B10.79B9.86B7.83B8.24B7.06B6.43B6.57B6.07B5.45B5.06B5.03B
Commitments and Contingencies (USD)----------------
Long-term Debt (USD)790.00M790.00M790.00M789.00M789.00M788.00M788.00M788.00M787.00M787.00M786.00M791.00M790.00M790.00M790.00M790.00M
Noncurrent Liabilities (USD)----------------
Current Liabilities (USD)25.09B22.57B20.67B19.21B18.28B16.75B15.54B14.10B13.60B13.33B12.46B12.18B11.59B11.10B10.61B10.06B
Liabilities (USD)25.09B22.57B20.67B19.21B18.28B16.75B15.54B14.10B13.60B13.33B12.46B12.18B11.59B11.10B10.61B10.06B
Fixed Assets (USD)219.00M214.00M208.00M202.00M205.00M213.00M207.00M195.00M185.00M183.00M185.00M194.00M210.00M217.00M227.00M229.00M
Noncurrent Assets (USD)----------------
Current Assets (USD)41.00B36.50B32.77B29.74B31.39B27.54B25.41B21.94B21.84B20.39B18.89B18.75B17.66B16.55B15.67B15.10B
Assets (USD)41.00B36.50B32.77B29.74B31.39B27.54B25.41B21.94B21.84B20.39B18.89B18.75B17.66B16.55B15.67B15.10B

News and Insights

Should You Buy Cincinnati Financial Stock Before Feb. 9?

Cincinnati Financial, a property and casualty insurance company, raised its quarterly dividend by 8% to $0.94 per share, marking its 66th consecutive year of dividend increases, earning it Dividend King status. With a strong 2025 performance including its best combined ratio since 2015 (88.2%), the stock is recommended as a buy ahead of Q4 earnings on Feb. 9. Trading at 12x earnings with a 2.29% dividend yield, analysts expect 16% earnings growth in 2026, with a price target of $191 per share.

The Motley Fool faviconThe Motley FoolDave Kovaleski
Cincinnati Financial Corporation Increases Regular Quarterly Cash Dividend

Cincinnati Financial Corporation announced an 8% increase in its regular quarterly cash dividend to 94 cents per share, up from 87 cents per share. The dividend is payable April 15, 2026. This marks the 66th consecutive year of dividend increases for the company, demonstrating its strong financial position and commitment to shareholder returns.

Benzinga faviconBenzingaPrnewswire
The Smartest Dividend Stocks to Buy With $500 Right Now

The article highlights three dividend stocks with consistent payout histories: Procter & Gamble, Cincinnati Financial, and Realty Income. These companies offer stable income streams and have demonstrated long-term resilience through consistent dividend increases.

The Motley Fool faviconThe Motley FoolCourtney Carlsen
7 Dividend Stocks to Buy With $2,500 and Hold Forever

The article discusses seven dividend stocks that offer stable income and potential long-term growth, highlighting companies with consistent dividend payments, strong business models, and resilient sectors like real estate, technology, insurance, and financial services.

The Motley Fool faviconThe Motley FoolCourtney Carlsen
Cincinnati EPS Jumps 53 Percent in Q2

Cincinnati Financial exceeded Q2 2025 earnings expectations, reporting $1.97 EPS and $3.25 billion revenue despite high catastrophe losses. The company demonstrated resilience through strong investment performance and improved underwriting metrics.

The Motley Fool faviconThe Motley FoolJesterai
Globe Life Q1 Earnings Lag Estimates, Revenues & Premium Rise Y/Y

Globe Life Inc.'s first-quarter 2025 net operating income missed estimates, but premiums and underwriting income improved. The company's results were impacted by lower investment income and higher expenses.

Zacks Investment Research faviconZacks Investment Research
Want Decades of Passive Income? 3 Reliable Dividend Stocks to Buy Right Now

The article discusses three insurance companies - Chubb, Aflac, and Cincinnati Financial - that have consistently raised their dividend payouts for decades, making them attractive long-term investments. The companies are well-positioned to grow during inflation and economic expansion due to their pricing power and prudent underwriting practices.

The Motley Fool faviconThe Motley FoolCourtney Carlsen
Cincinnati Financial Corporation Increases Regular Quarterly Cash Dividend

Cincinnati Financial Corporation announced a 7% increase in its regular quarterly cash dividend, citing its strong financial position and confidence in its ability to pay claims related to recent California wildfires.

Benzinga faviconBenzingaPrnewswire
Want Reliable Income? These 5 Stocks Have Raised Their Dividend Over the Last 4 Recessions.

The article highlights five companies that have consistently raised their dividends over the past four recessions, making them attractive options for investors seeking reliable income and long-term growth.

The Motley Fool faviconThe Motley FoolThe Motley Fool
3 Undervalued Stocks to Buy Before the Fed Cuts Rates

The article identifies three undervalued stocks - Kraft Heinz (KHC), Cincinnati Financial (CINF), and KB Home (KBH) - that are poised to benefit from the Federal Reserve's potential interest rate cuts.

Investing.com faviconInvesting.comJesse Cohen