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.
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.
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
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%
2024
7.17%
3.55%
8.92%
-6.67%
1.63%
0.66%
9.78%
4.40%
-0.49%
3.24%
13.45%
-10.14%
2023
10.50%
6.96%
-6.53%
-5.04%
-8.92%
0.84%
11.39%
-1.65%
-4.10%
-2.13%
2.38%
0.86%
2022
3.03%
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%
2019
5.90%
6.96%
-1.66%
11.38%
1.82%
5.24%
2.68%
4.96%
3.71%
-3.15%
-5.70%
-1.71%
2018
2.03%
-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%
2016
1.12%
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
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
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.
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
Liabilities And Equity (USD)
41.00B
36.50B
32.77B
29.74B
31.39B
27.54B
25.41B
21.94B
21.84B
20.39B
18.89B
18.75B
17.66B
16.55B
15.67B
15.10B
Equity Attributable To Parent (USD)
15.91B
13.94B
12.10B
10.53B
13.11B
10.79B
9.86B
7.83B
8.24B
7.06B
6.43B
6.57B
6.07B
5.45B
5.06B
5.03B
Equity Attributable To Noncontrolling Interest (USD)
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•Dave Kovaleski
AI Insight
The company demonstrated strong financial performance in 2025 with its best combined ratio since 2015, announced an 8% dividend increase marking 66 consecutive years of increases, and is expected to beat Q4 earnings with 16% earnings growth projected for 2026. Analysts rate it as a buy with a $191 price target (13% upside), and it trades at an attractive 12x earnings valuation.
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•Prnewswire
AI Insight
The company announced an 8% increase in quarterly dividend payments and extended its 65-year streak of consecutive annual dividend increases to 66 years. Management expressed optimism about the company's ability to create shareholder value and execute its proven strategy. This demonstrates strong financial health, profitability, and management confidence in future performance.
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•Courtney Carlsen
AI Insight
65-year streak of dividend increases, stable insurance business model, ability to adapt to economic changes and inflation
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•Courtney Carlsen
AI Insight
65 consecutive years of dividend increases, conservative reserving, shareholder-aligned culture
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•Jesterai
AI Insight
Outperformed analyst expectations with 52.7% EPS growth, 28% revenue increase, improved combined ratio, record book value per share, and strong investment returns despite significant catastrophe-related challenges
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•
AI Insight
Cincinnati Financial Corporation reported an operating loss, which was narrower than estimates, but its total operating revenues missed estimates, indicating a weaker performance.
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•Courtney Carlsen
AI Insight
Cincinnati Financial has an impressive 65-year streak of increasing its annual dividend payout, which is a testament to its strong balance sheet and capital management. The company has displayed a history of solid underwriting and is well-positioned to grow during inflation and economic expansion.
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•Prnewswire
AI Insight
The company is increasing its regular quarterly cash dividend by 7%, indicating confidence in its financial position and ability to pay claims related to recent natural disasters.
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•The Motley Fool
AI Insight
The article notes that Cincinnati Financial benefits from steady demand for its insurance products, pricing power, and growth in different market environments, enabling it to grow its dividend annually over the last 64 years (across nine recessions).
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•Jesse Cohen
AI Insight
The article notes that Cincinnati Financial, as a regional bank and insurer, stands to benefit from reduced lending costs and increased loan demand due to lower interest rates. Additionally, the company's dividend growth and strong financial health are positive factors.