Cincinnati Financial Corp (CINF) Financial Statements
Industry: Fire, Marine & Casualty Insurance
In fiscal 2025, Cincinnati Financial reported revenue of $12.63B, up 11.4% from $11.34B the year before. Net income was $2.39B (a 18.9% net margin), or $15.17 per diluted share. Gross margin was 47.4% and operating margin was 47.4%. Operating activities generated $3.11B of cash, leaving $3.09B of free cash flow. At fiscal year end, Cincinnati Financial held $41.00B in total assets against $25.09B in total liabilities.
Open the full interactive Cincinnati Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Cincinnati Financial Key Stats
| Share Price | $165.64 |
|---|---|
| Market Cap | $25.79B |
| P/E Ratio | 10.9 |
| Revenue YoY Growth | +11.4% |
| 52-Week Range | $148.06 – $190.94 |
| Shares Outstanding | 154.1 million (basic, 2026 Q2) |
Cincinnati Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $7.54B | $9.63B | $6.56B | $10.01B | $11.34B | $12.63B |
| Cost of Goods Sold | $4.13B | $3.94B | $5.01B | $5.27B | $5.74B | $6.64B |
| Gross Profit | $3.40B | $5.69B | $1.54B | $4.74B | $5.60B | $5.99B |
| Operating Income | $3.40B | $5.69B | $1.54B | $4.74B | $5.60B | $5.99B |
| Pre-Tax Income | $1.50B | $3.67B | -$693.0M | $2.28B | $2.86B | $2.98B |
| Income Tax | $283.0M | $724.0M | -$207.0M | $433.0M | $566.0M | $587.0M |
| Net Income | $1.22B | $2.95B | -$486.0M | $1.84B | $2.29B | $2.39B |
| Diluted EPS | $7.49 | $18.10 | -$3.06 | $11.66 | $14.53 | $15.17 |
Cincinnati Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $3.73B | $3.09B | $2.86B | $4.27B |
| Net Income | $1.12B | $676.0M | $274.0M | $1.25B |
| Diluted EPS | $7.11 | $4.29 | $1.75 | $8.05 |
Cincinnati Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $900.0M | $1.14B | — | — | — | — |
| Total Assets | $27.54B | $31.39B | $29.74B | $32.77B | $36.50B | $41.00B |
| Total Long-Term Debt | $845.0M | $843.0M | $841.0M | $849.0M | $850.0M | $861.0M |
| Total Liabilities | $16.75B | $18.28B | $19.20B | $20.67B | $22.57B | $25.09B |
| Shareholders' Equity | $10.79B | $13.11B | $10.53B | $12.10B | $13.94B | $15.91B |
Cincinnati Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $1.49B | $1.98B | $2.05B | $2.05B | $2.65B | $3.11B |
| Cash From Investing | -$560.0M | -$1.06B | -$933.0M | -$1.61B | -$1.70B | -$1.69B |
| Cash From Financing | -$798.0M | -$685.0M | -$994.0M | -$801.0M | -$877.0M | -$973.0M |
| Free Cash Flow | $1.47B | $1.97B | $2.04B | $2.03B | $2.63B | $3.09B |
Figures from Cincinnati Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Cincinnati Financial financials page for every line item.
Cincinnati Financial Company Profile
| Ticker | CINF |
|---|---|
| Exchange | Nasdaq |
| Industry | Fire, Marine & Casualty Insurance |
| Headquarters | Fairfield, Ohio |
| Incorporated in | Ohio |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000020286 |
Frequently Asked Questions
What was Cincinnati Financial's revenue in fiscal 2025?
Cincinnati Financial (CINF) reported revenue of $12.63B for fiscal 2025.
What is Cincinnati Financial's annual revenue history?
Cincinnati Financial's annual revenue by fiscal year: 2020: $7.54B; 2021: $9.63B; 2022: $6.56B; 2023: $10.01B; 2024: $11.34B; 2025: $12.63B.
What was Cincinnati Financial's net income in fiscal 2025?
Cincinnati Financial reported net income of $2.39B for fiscal 2025.
What was Cincinnati Financial's earnings per share (EPS) in fiscal 2025?
Cincinnati Financial's diluted EPS was $15.17 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Cincinnati Financial generate in fiscal 2025?
Cincinnati Financial generated $3.09B of free cash flow in fiscal 2025.
What was Cincinnati Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Cincinnati Financial reported revenue of $4.27B.
How much debt does Cincinnati Financial have?
Cincinnati Financial reported $861.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Cincinnati Financial are outstanding?
Cincinnati Financial reported a weighted average of 154.1 million basic shares outstanding in 2026 Q2.
What is Cincinnati Financial's market cap?
Based on its latest closing price, Cincinnati Financial (CINF) has a market capitalization of about $25.79B.
When does Cincinnati Financial's fiscal year end?
Cincinnati Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Cincinnati Financial headquartered?
Cincinnati Financial lists its business address in Fairfield, Ohio in its SEC filings.