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 revenue.

Balance Sheet

Assets, liabilities, and equity

21 accounts · 3 years

Total assets $41.0B

Total liabilities $25.1B

Shareholders equity $15.9B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	11.3%	8.7%	9.1%
Short Term Investments	1.2%	2.6%	109.7%
Other Current Assets	7.9%	7.3%	6.8%
Property,Plant and Equipment	1.7%	1.9%	2.1%
Long Term Investments	1.2%	2.6%	—
Other Noncurrent Assets	7.9%	7.3%	6.8%
Total Assets	324.6%	322.0%	327.3%
Liabilities
Current Portion of Long Term Debt	6.3%	7.0%	7.9%
Other Current Liabilities	13.0%	13.1%	13.1%
Total Current Liabilities	198.6%	199.0%	206.4%
Long Term Debt	6.3%	7.0%	7.9%
Deferred Tax Liabilities	18.4%	13.0%	13.2%
Other Noncurrent Liabilities	13.0%	13.1%	13.1%
Total Liabilities	198.6%	199.0%	206.4%
Equity
Common Stock	3.1%	3.5%	4.0%
Additional Paid In Capital	12.4%	13.2%	14.4%
Retained Earnings	132.4%	131.2%	130.7%
Treasury Stock	21.6%	22.3%	23.8%
Accumulated Other Comprehensive Income	-0.3%	-2.7%	-4.3%
Total Stockholders Equity	126.0%	122.9%	120.8%
Total Liabilitiesand Equity	324.6%	322.0%	327.3%

Income Statement

Revenue, expense, and profitability

13 accounts · 3 years

Revenue $12.6B

Operating income $2.4B

Net income $2.4B

Account	2025	2024	2023
IncomeStatement
Revenues Total Revenue	100.0%	100.0%	100.0%
Expenses Operating Expenses	0.0%	0.0%	0.0%
Other Income Expense Operating Income	18.9%	20.2%	18.4%
Other Income Expense Interest Income	6.9%	6.5%	6.0%
Other Income Expense Interest Expense	0.4%	0.5%	0.5%
Other Income Expense Income Before Tax	23.6%	25.2%	22.7%
Income Tax Income Tax Expense	4.6%	5.0%	4.3%
net Income net Income	18.9%	20.2%	18.4%
net Income Comprehensive Income	21.1%	21.3%	20.2%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	1.2%	1.4%	1.6%
Earnings Per Share Weighted Average Shares Diluted	1.2%	1.4%	1.6%

Cash Flow Statement

Operating, investing, and financing flows

18 accounts · 3 years

Operating cash flow $3.1B

Investing cash flow $-1.7B

Financing cash flow $-973.0M

Account	2025	2024	2023
CashFlow
Operating Activities net Income	18.9%	20.2%	18.4%
Operating Activities Depreciation and Amortization	0.3%	0.3%	0.3%
Operating Activities Deferred Income Taxes	2.2%	1.0%	2.2%
Operating Activities Other Non Cash Items	0.7%	1.2%	0.9%
Operating Activities net Cash From Operating Activities	24.6%	23.4%	20.5%
Investing Activities Capital Expenditures	0.2%	0.2%	0.2%
Investing Activities Purchases of Investments	42.7%	50.6%	25.5%
Investing Activities Other Investing Activities	0.9%	1.0%	1.4%
Investing Activities net Cash From Investing Activities	-13.4%	-15.0%	-16.1%
Financing Activities Repurchase of Common Stock	1.6%	1.1%	0.7%
Financing Activities Dividends Paid	4.2%	4.3%	4.5%
Financing Activities Proceeds From Stock Issuance	0.1%	0.1%	0.1%
Financing Activities Other Financing Activities	-1.2%	-1.4%	-1.3%
Financing Activities net Cash From Financing Activities	-7.7%	-7.7%	-8.0%
Cash Reconciliation Effect of Exchange Rate On Cash	11.3%	8.7%	9.1%
Cash Reconciliation net Change In Cash	3.5%	0.7%	-3.6%
Cash Reconciliation Cash At Beginning of Period	11.3%	8.7%	9.1%
Cash Reconciliation Cash At End of Period	11.3%	8.7%	9.1%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	—	—	—
Operating margin	+18.9%	+20.2%	+18.4%
Net margin	+18.9%	+20.2%	+18.4%
FCF margin	+24.5%	+23.2%	+20.3%
Growth
Revenue CAGR (3y)	+24.4%	+5.6%	+9.9%
Returns
ROE	+15.0%	+16.4%	+15.2%
ROA	+5.8%	+6.3%	+5.6%
ROIC	+12.0%	+12.6%	+11.7%
Liquidity
Current ratio	—	—	—
Quick ratio	—	—	—
Leverage
D/E	1.58x	1.62x	1.71x
Interest coverage	45.15x	43.25x	34.13x
Efficiency
Asset turnover	0.31x	0.31x	0.31x
Cash conversion cycle	—	—	—

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Cincinnati Financial

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