Cincinnati Financial

Financials Property & Casualty Insurance Fairfield, Ohio Last filing Feb 23, 2026 · FY2025

                    Revenue
                    FY2025
                
$12.6B
                    3y CAGR +24.4%
                    
                    P79
                    
                    +11.4%
                    
                    Net income
                    FY2025
                
$2.4B
                    Net margin +18.9%
                    
                    P43
                    
                    +4.4%
                    
                    Total assets
                    FY2025
                
$41.0B
                    ROA +5.8%
                    
                    P78
                    
                    +12.3%
                    
                    Operating cash flow
                    FY2025
                
$3.1B
                    FCF margin +24.5%
                    
                    P54
                    
                    +17.5%

18 yrs · FY2008–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

21 accounts · 10 years

Total assets $41.0B

Total liabilities $25.1B

Shareholders equity $15.9B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	3.5%	2.7%	2.8%	4.3%	3.6%	3.3%	3.0%	3.6%	3.0%	3.8%
Short Term Investments	0.4%	0.8%	33.5%	33.1%	36.0%	—	—	—	—	—
Other Current Assets	2.4%	2.3%	2.1%	2.2%	1.8%	1.6%	1.5%	1.4%	1.0%	1.0%
Property,Plant and Equipment	0.5%	0.6%	0.6%	0.7%	0.7%	0.8%	0.8%	0.9%	0.8%	0.9%
Long Term Investments	0.4%	0.8%	—	—	—	—	—	—	—	—
Other Noncurrent Assets	2.4%	2.3%	2.1%	2.2%	1.8%	1.6%	1.5%	1.4%	1.0%	1.0%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Current Portion of Long Term Debt	1.9%	2.2%	2.4%	2.7%	2.5%	2.9%	3.1%	3.6%	3.6%	3.9%
Other Current Liabilities	4.0%	4.1%	4.0%	4.1%	3.5%	3.6%	3.7%	3.7%	3.6%	3.9%
Total Current Liabilities	61.2%	61.8%	63.1%	64.6%	58.2%	60.8%	61.2%	64.3%	62.3%	65.4%
Long Term Debt	1.9%	2.2%	2.4%	2.7%	2.5%	2.9%	3.1%	3.6%	3.6%	3.9%
Deferred Tax Liabilities	5.7%	4.0%	4.0%	3.5%	5.6%	4.7%	5.1%	3.8%	4.6%	6.3%
Other Noncurrent Liabilities	4.0%	4.1%	4.0%	4.1%	3.5%	3.6%	3.7%	3.7%	3.6%	3.9%
Total Liabilities	61.2%	61.8%	63.1%	64.6%	58.2%	60.8%	61.2%	64.3%	62.3%	65.4%
Equity
Common Stock	1.0%	1.1%	1.2%	1.3%	1.3%	1.4%	1.6%	1.8%	1.8%	1.9%
Additional Paid In Capital	3.8%	4.1%	4.4%	4.7%	4.3%	4.8%	5.1%	5.8%	5.8%	6.1%
Retained Earnings	40.8%	40.7%	39.9%	39.4%	40.2%	36.6%	36.4%	34.8%	23.7%	24.7%
Treasury Stock	6.7%	6.9%	7.3%	7.8%	6.1%	6.5%	6.1%	6.8%	6.3%	6.5%
Accumulated Other Comprehensive Income	-0.1%	-0.8%	-1.3%	-2.1%	2.1%	2.8%	1.8%	0.1%	12.8%	8.3%
Total Stockholders Equity	38.8%	38.2%	36.9%	35.5%	41.8%	39.2%	38.8%	35.7%	37.7%	34.6%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

13 accounts · 10 years

Revenue $12.6B

Operating income $2.4B

Net income $2.4B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Revenues Total Revenue	30.8%	31.1%	30.6%	22.1%	30.7%	27.4%	31.2%	24.7%	26.2%	26.7%
Expenses Operating Expenses	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—
Other Income Expense Operating Income	5.8%	6.3%	5.6%	-1.6%	9.5%	4.4%	7.9%	1.3%	4.8%	2.9%
Other Income Expense Interest Income	2.1%	2.0%	1.8%	1.7%	1.5%	1.7%	1.8%	2.0%	2.0%	2.2%
Other Income Expense Interest Expense	0.1%	0.1%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.3%
Other Income Expense Income Before Tax	7.3%	7.8%	6.9%	-2.3%	11.8%	5.4%	9.7%	1.1%	3.3%	4.0%
Income Tax Income Tax Expense	1.4%	1.6%	1.3%	-0.7%	2.3%	1.0%	1.9%	-0.2%	-1.4%	1.1%
net Income net Income	5.8%	6.3%	5.6%	-1.6%	9.5%	4.4%	7.9%	1.3%	4.8%	2.9%
net Income Comprehensive Income	6.5%	6.6%	6.2%	-4.7%	9.3%	5.6%	9.5%	0.1%	7.5%	4.6%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	-0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	-0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	0.4%	0.4%	0.5%	0.5%	0.5%	0.6%	0.6%	0.7%	0.8%	0.8%
Earnings Per Share Weighted Average Shares Diluted	0.4%	0.4%	0.5%	0.5%	0.5%	0.6%	0.6%	0.7%	0.8%	0.8%

Cash Flow Statement

Operating, investing, and financing flows

18 accounts · 10 years

Operating cash flow $3.1B

Investing cash flow $-1.7B

Financing cash flow $-973.0M

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Income	5.8%	6.3%	5.6%	-1.6%	9.5%	4.4%	7.9%	1.3%	4.8%	2.9%
Operating Activities Depreciation and Amortization	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
Operating Activities Deferred Income Taxes	0.7%	0.3%	0.7%	-1.2%	1.5%	0.5%	1.3%	-0.2%	-2.0%	0.2%
Operating Activities Other Non Cash Items	0.2%	0.4%	0.3%	0.3%	0.4%	-0.0%	0.3%	0.0%	—	—
Operating Activities net Cash From Operating Activities	7.6%	7.3%	6.3%	6.9%	6.3%	5.4%	4.8%	5.4%	4.8%	5.5%
Investing Activities Capital Expenditures	0.0%	0.1%	0.1%	0.1%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%
Investing Activities Purchases of Investments	13.1%	15.7%	7.8%	6.4%	7.6%	5.0%	6.9%	6.9%	7.9%	9.8%
Investing Activities Other Investing Activities	0.3%	0.3%	0.4%	0.3%	-0.2%	0.2%	0.3%	0.2%	0.1%	0.1%
Investing Activities net Cash From Investing Activities	-4.1%	-4.6%	-4.9%	-3.1%	-3.4%	-2.0%	-2.7%	-2.1%	-2.6%	-2.2%
Financing Activities Repurchase of Common Stock	0.5%	0.3%	0.2%	1.4%	0.5%	0.9%	0.3%	0.6%	0.4%	0.2%
Financing Activities Dividends Paid	1.3%	1.3%	1.4%	1.4%	1.3%	1.4%	1.4%	1.5%	1.8%	1.5%
Financing Activities Proceeds From Stock Issuance	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%
Financing Activities Other Financing Activities	-0.4%	-0.4%	-0.4%	-0.3%	-0.3%	-0.4%	-0.2%	-0.3%	-0.2%	-0.2%
Financing Activities net Cash From Financing Activities	-2.4%	-2.4%	-2.4%	-3.3%	-2.2%	-2.9%	-2.1%	-2.7%	-2.8%	-2.1%
Cash Reconciliation Effect of Exchange Rate On Cash	3.5%	2.7%	2.8%	4.3%	3.6%	3.3%	—	—	—	—
Cash Reconciliation net Change In Cash	1.1%	0.2%	-1.1%	0.4%	0.8%	0.5%	-0.1%	0.6%	-0.5%	1.1%
Cash Reconciliation Cash At Beginning of Period	3.5%	2.7%	2.8%	4.3%	3.6%	3.3%	3.0%	3.6%	3.0%	3.8%
Cash Reconciliation Cash At End of Period	3.5%	2.7%	2.8%	4.3%	3.6%	3.3%	3.0%	3.6%	3.0%	3.8%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	+18.9%	+20.2%	+18.4%	-7.4%	+30.8%	+16.1%	+25.2%	+5.3%	+18.2%	+10.8%
Net margin	+18.9%	+20.2%	+18.4%	-7.4%	+30.8%	+16.1%	+25.2%	+5.3%	+18.2%	+10.8%
FCF margin	+24.5%	+23.2%	+20.3%	+31.0%	+20.4%	+19.5%	+14.9%	+21.5%	+18.1%	+20.2%
Growth
Revenue CAGR (3y)	+24.4%	+5.6%	+9.9%	-6.1%	+21.2%	+9.5%	+13.3%	+1.7%	+5.0%	+6.3%
Returns
ROE	+15.0%	+16.4%	+15.2%	-4.6%	+22.6%	+11.3%	+20.2%	+3.7%	+12.7%	+8.4%
ROA	+5.8%	+6.3%	+5.6%	-1.6%	+9.5%	+4.4%	+7.9%	+1.3%	+4.8%	+2.9%
ROIC	+12.0%	+12.6%	+11.7%	-4.5%	+17.6%	+8.6%	+15.1%	+3.3%	+11.4%	+5.5%
Liquidity
Current ratio	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—
Leverage
D/E	1.58x	1.62x	1.71x	1.82x	1.40x	1.55x	1.58x	1.80x	1.65x	1.89x
Interest coverage	45.15x	43.25x	34.13x	-9.19x	56.00x	22.52x	37.68x	5.42x	19.72x	11.15x
Efficiency
Asset turnover	0.31x	0.31x	0.31x	0.22x	0.31x	0.27x	0.31x	0.25x	0.26x	0.27x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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Cincinnati Financial

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