Cincinnati Financial Corporation (CINF)
NASDAQ · Financial Services · Insurance - Property & Casualty
Profile
Cincinnati Financial Corporation
- Exchange
- NASDAQ
- Ticker
- CINF
- Sector
- Financial Services
- Industry
- Insurance - Property & Casualty
- Country
- US
Cincinnati Financial Corporation, operating through its various subsidiaries, delivers a range of property and casualty insurance offerings across the United States. Its operations are organized into five distinct divisions: Commercial Lines, Personal Lines, Excess and Surplus Lines, Life Insurance, and Investments. The Commercial Lines division safeguards businesses against risks such as commercial casualty, property damage, vehicle incidents, and workers' compensation claims; it also offers specialized protection including director and officer liability, various surety and fidelity bonds, and coverage for machinery and equipment. For individual clients, the Personal Lines segment provides essential coverages like personal auto and homeowner policies, alongside dwelling fire, inland marine, personal umbrella liability, and watercraft protection. The Excess and Surplus Lines segment specializes in commercial casualty insurance, protecting companies from third-party liabilities stemming from on-site incidents, operational activities, or product-related injuries; this segment also delivers commercial property insurance, securing assets like buildings, inventory, and equipment, as well as business income, against a broad spectrum of perils including fire, wind, hail, water damage, theft, and vandalism. Through its Life Insurance division, the company offers a comprehensive suite of life policies, encompassing term life, universal life, worksite-based term life, and whole life insurance options. The Investments segment manages a portfolio including fixed-maturity assets like taxable and tax-exempt bonds, along with redeemable preferred stocks, and equity holdings such as common and non-redeemable preferred stocks. Beyond insurance, Cincinnati Financial Corporation extends its services to include commercial leasing and financing, as well as insurance brokerage. Established in 1950, Cincinnati Financial Corporation's corporate headquarters are situated in Fairfield, Ohio.
Key facts
Cincinnati Financial Corporation: key facts
- Cincinnati Financial Corporation (NASDAQ: CINF) is a Insurance - Property & Casualty company in the Financial Services sector.
- In fiscal 2025, Cincinnati Financial Corporation reported revenue of $12.6B and net income of $2.4B.
- Revenue grew 7.0% a year over the last 4 fiscal years.
- Free cash flow was positive in 5 of the last 5 fiscal years.
- Net income was positive in 4 of the last 5 fiscal years.
- Over the last twelve months, revenue was $13.3B and net income was $2.7B.
MonkScore
Cincinnati Financial Corporation's MonkScore
MonkScore
MonkScore range: 70–80
as of October 2026
Sector rank: 244 of 850 in Financial Services
How this score is madeDisclaimer
Pillar ranges
- Growth80–90
- Profitability80–90
- Quality90–100
- Market Conviction50–60
- Safety20–30
The MonkScore runs from 0 to 100. Each range is one of ten 10-point groups, from 0–10 to 90–100.
Each pillar's range uses the same ten groups. The exact score and the pillar scores are in the MonkStreet app.
Fundamentals
Figures from the statements
Cincinnati Financial Corporation's annual figures and the last twelve months, in USD. Last report: 30 September 2026.
| Figure | Last 12 months | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Revenue | $13.3B | $12.6B | $11.3B | $10.0B | $6.6B | $9.6B |
| Gross profit | $6.5B | $6.0B | $5.6B | $4.7B | $1.5B | $5.7B |
| Operating income | $3.3B | $3.0B | $2.9B | $2.3B | -$694.0M | $3.7B |
| Net income | $2.7B | $2.4B | $2.3B | $1.8B | -$487.0M | $3.0B |
| Operating cash flow | $3.1B | $3.1B | $2.6B | $2.1B | $2.1B | $2.0B |
| Capital expenditure | -$14.0M | -$20.0M | -$22.0M | -$18.0M | -$15.0M | -$15.0M |
| Free cash flow | $3.1B | $3.1B | $2.6B | $2.0B | $2.0B | $2.0B |
| Total debt | $875.0M | $886.0M | $875.0M | $874.0M | $891.0M | $897.0M |
| Cash | $1.2B | $1.4B | $983.0M | $907.0M | $1.3B | $1.1B |
Revenue growth a year
- 1-year
- 11.4%
- 3-year
- 24.4%
- 4-year
- 7.0%
Compound growth between fiscal years.
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Page built on 31 October 2026.