Cincinnati Financial (CINF) Financials: History & Chart

Cincinnati Financial Corporation (CINF)CINFCincinnati Financial Corporation

About Cincinnati Financial Corporation

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.

Fairfield, OH

5,705 employees

www.cinfin.com

Financial Services / Insurance - Property & Casualty

Sector: Financial Services
Industry: Insurance - Property & Casualty
CEO: Stephen Michael Spray

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Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024	Quarter ended Jun 2024
Revenue	12.92B	2.86B	3.08B	3.73B	3.25B	2.57B	2.54B	3.32B	2.54B
Cost of Goods Sold	6.42B	1.75B	1.47B	1.54B	1.66B	1.97B	1.33B	1.58B	1.48B
Gross Profit	6.50B	1.11B	1.61B	2.19B	1.59B	598.00M	1.21B	1.74B	1.06B
Gross Profit Margin	50.3%	38.8%	52.3%	58.7%	48.9%	23.3%	47.6%	52.5%	41.8%
Total Operating Expenses	3.05B	773.00M	773.00M	773.00M	733.00M	726.00M	729.00M	702.00M	678.00M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	4.13B	764.00M	3.37B	0.00	0.00	0.00	0.00	0.00	0.00
Operating Income (EBIT)	3.45B	339.00M	840.00M	1.41B	855.00M	-128.00M	479.00M	1.04B	386.00M
Operating Margin	26.7%	11.8%	27.2%	37.9%	26.3%	-5.0%	18.9%	31.3%	15.2%
Income Before Tax (EBT)	3.43B	326.00M	840.00M	1.41B	855.00M	-128.00M	479.00M	1.04B	386.00M
Interest Income	888.00M	N/A	308.00M	296.00M	284.00M	277.00M	278.00M	255.00M	242.00M
Interest Expense	74.70M	13.00M	34.70M	13.00M	14.00M	13.00M	13.00M	13.00M	14.00M
Other Income/Expense	-13.00M	-13.00M	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	2.76B	274.00M	676.00M	1.12B	685.00M	-90.00M	405.00M	820.00M	312.00M
Income Tax Expense	677.00M	52.00M	164.00M	291.00M	170.00M	-38.00M	74.00M	220.00M	74.00M
Net Profit Margin	21.3%	9.6%	21.9%	30.1%	21.1%	-3.5%	16.0%	24.7%	12.3%
EBITDA	3.61B	379.00M	882.00M	1.45B	901.00M	-81.00M	494.00M	1.08B	428.00M
EBITDA Margin	27.9%	13.2%	28.6%	38.8%	27.7%	-3.2%	19.5%	32.5%	16.8%
Depreciation & Amortization	161.00M	40.00M	42.00M	33.00M	46.00M	47.00M	15.00M	39.00M	42.00M
EPS Basic	17.52	1.77	4.19	7.18	4.38	-0.58	2.59	5.25	2.00
EPS Diluted	17.50	1.75	4.30	7.11	4.34	-0.58	2.57	5.20	1.98
Shares Outstanding	154.80M	154.80M	157.75M	156.30M	156.30M	156.40M	156.20M	156.20M	156.30M
Diluted Shares Outstanding	156.57M	156.57M	157.75M	157.80M	157.80M	156.40M	157.70M	157.70M	157.50M

Annual Income Statement (USD)

Swipe horizontally to review earlier years. The line-item column stays pinned.

Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	12.63B	11.34B	10.01B	6.56B	9.63B	7.54B	7.92B	5.41B
Cost of Goods Sold	6.30B	5.74B	5.27B	5.02B	3.91B	4.13B	3.64B	3.49B
Gross Profit	6.33B	5.60B	4.74B	1.54B	5.72B	3.40B	4.29B	1.92B
Gross Profit Margin	50.1%	49.4%	47.3%	23.5%	59.4%	45.1%	54.1%	35.5%
Total Operating Expenses	3.37B	2.74B	2.46B	2.24B	2.02B	1.90B	1.81B	1.67B
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	3.37B	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Income (EBIT)	2.98B	2.86B	2.28B	-694.00M	3.70B	1.50B	2.47B	251.00M
Operating Margin	23.6%	25.2%	22.7%	-10.6%	38.4%	19.9%	31.2%	4.6%
Income Before Tax (EBT)	2.98B	2.86B	2.28B	-694.00M	3.70B	1.50B	2.47B	251.00M
Interest Income	1.17B	1.02B	882.00M	785.00M	723.00M	675.00M	647.00M	626.00M
Interest Expense	5.30M	53.00M	54.00M	53.00M	53.00M	54.00M	53.00M	53.00M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	2.39B	2.29B	1.84B	-487.00M	2.97B	1.22B	2.00B	287.00M
Income Tax Expense	587.00M	566.00M	433.00M	-207.00M	730.00M	283.00M	475.00M	-36.00M
Net Profit Margin	18.9%	20.2%	18.4%	-7.4%	30.8%	16.1%	25.2%	5.3%
EBITDA	3.15B	2.99B	2.39B	-567.00M	3.82B	1.61B	2.54B	314.00M
EBITDA Margin	24.9%	26.4%	23.8%	-8.6%	39.6%	21.3%	32.1%	5.8%
Depreciation & Amortization	168.00M	130.00M	112.00M	127.00M	118.00M	109.00M	72.00M	63.00M
EPS Basic	15.17	14.65	11.74	-3.06	18.30	7.54	12.24	1.76
EPS Diluted	15.17	14.53	11.66	-3.06	18.10	7.49	12.10	1.74
Shares Outstanding	157.75M	156.40M	158.06M	158.80M	161.00M	162.35M	165.04M	164.00M
Diluted Shares Outstanding	157.75M	157.80M	158.10M	158.80M	162.70M	162.40M	165.10M	164.50M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.