Cincinnati Financial

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

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

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 revenue.

Balance Sheet

Assets, liabilities, and equity

21 accounts · 1 year

Total assets $41.0B

Total liabilities $25.1B

Shareholders equity $15.9B

Account	2025	Trend
Assets
Cash and Cash Equivalents	11.3%
Short Term Investments	1.2%
Other Current Assets	7.9%
Property,Plant and Equipment	1.7%
Long Term Investments	1.2%
Other Noncurrent Assets	7.9%
Total Assets	324.6%
Liabilities
Current Portion of Long Term Debt	6.3%
Other Current Liabilities	13.0%
Total Current Liabilities	198.6%
Long Term Debt	6.3%
Deferred Tax Liabilities	18.4%
Other Noncurrent Liabilities	13.0%
Total Liabilities	198.6%
Equity
Common Stock	3.1%
Additional Paid In Capital	12.4%
Retained Earnings	132.4%
Treasury Stock	21.6%
Accumulated Other Comprehensive Income	-0.3%
Total Stockholders Equity	126.0%
Total Liabilitiesand Equity	324.6%

Income Statement

Revenue, expense, and profitability

13 accounts · 1 year

Revenue $12.6B

Operating income $2.4B

Net income $2.4B

Account	2025	Trend
IncomeStatement
Revenues Total Revenue	100.0%
Expenses Operating Expenses	0.0%
Other Income Expense Operating Income	18.9%
Other Income Expense Interest Income	6.9%
Other Income Expense Interest Expense	0.4%
Other Income Expense Income Before Tax	23.6%
Income Tax Income Tax Expense	4.6%
net Income net Income	18.9%
net Income Comprehensive Income	21.1%
Earnings Per Share Basic Eps	0.0%
Earnings Per Share Diluted Eps	0.0%
Earnings Per Share Weighted Average Shares Basic	1.2%
Earnings Per Share Weighted Average Shares Diluted	1.2%

Cash Flow Statement

Operating, investing, and financing flows

18 accounts · 1 year

Operating cash flow $3.1B

Investing cash flow $-1.7B

Financing cash flow $-973.0M

Account	2025	Trend
CashFlow
Operating Activities net Income	18.9%
Operating Activities Depreciation and Amortization	0.3%
Operating Activities Deferred Income Taxes	2.2%
Operating Activities Other Non Cash Items	0.7%
Operating Activities net Cash From Operating Activities	24.6%
Investing Activities Capital Expenditures	0.2%
Investing Activities Purchases of Investments	42.7%
Investing Activities Other Investing Activities	0.9%
Investing Activities net Cash From Investing Activities	-13.4%
Financing Activities Repurchase of Common Stock	1.6%
Financing Activities Dividends Paid	4.2%
Financing Activities Proceeds From Stock Issuance	0.1%
Financing Activities Other Financing Activities	-1.2%
Financing Activities net Cash From Financing Activities	-7.7%
Cash Reconciliation Effect of Exchange Rate On Cash	11.3%
Cash Reconciliation net Change In Cash	3.5%
Cash Reconciliation Cash At Beginning of Period	11.3%
Cash Reconciliation Cash At End of Period	11.3%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 1 year

Ratio	2025
Profitability
Gross margin	—
Operating margin	+18.9%
Net margin	+18.9%
FCF margin	+24.5%
Growth
Revenue CAGR (3y)	+24.4%
Returns
ROE	+15.0%
ROA	+5.8%
ROIC	+12.0%
Liquidity
Current ratio	—
Quick ratio	—
Leverage
D/E	1.58x
Interest coverage	45.15x
Efficiency
Asset turnover	0.31x
Cash conversion cycle	—

Valuation

Price against fundamentals

FY2025 fundamentals · no price

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Cincinnati Financial

Assets, liabilities, and equity

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