Cincinnati Financial (CINF) Interest Coverage Ratio: 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

View full financials

CINF Interest Coverage Ratio Metrics

INTEREST COVERAGE RATIO

26.08x

INTEREST COVERAGE RATIO AVG TTM

42.04x

INTEREST COVERAGE RATIO AVG 3Y

45.64x

INTEREST COVERAGE RATIO AVG 5Y

44.81x

INTEREST COVERAGE RATIO AVG 10Y

37.67x

INTEREST COVERAGE RATIO AVG 15Y

23.78x

INTEREST COVERAGE RATIO AVG 20Y

16.54x

CURRENT VS TTM AVG

-37.97%

CURRENT VS 3Y AVG

-42.87%

CURRENT VS 5Y AVG

-41.81%

CURRENT VS 10Y AVG

-30.77%

CURRENT VS 15Y AVG

+9.64%

CURRENT VS 20Y AVG

+57.63%

SECTOR MEDIAN · FINANCIAL SERVICES

5.20x

median of 91 covered companies

CURRENT VS SECTOR MEDIAN

+401.48%

vs the sector median at left

NAME	MARKET CAP	INTEREST COVERAGE RATIO	TTM	3Y	5Y
Cincinnati Financial Corporation (CINF)	$28.28B	26.08x	42.04x	45.64x	44.81x
W. R. Berkley Corporation (WRB)vs ›	$28.09B	18.40x	18.12x	15.80x	12.77x
Willis Towers Watson Public Limited Company (WTW)vs ›	$27.87B	8.59x	5.48x	5.61x	6.07x
Cboe Global Markets, Inc. (CBOE)vs ›	$29.83B	28.95x	25.14x	18.85x	18.21x
Regions Financial Corporation (RF)vs ›	$26.34B	1.32x	1.18x	3.27x	5.99x
Citizens Financial Group, Inc. (CFG)vs ›	$30.40B	0.61x	0.51x	1.02x	2.42x
T. Rowe Price Group, Inc. (TROW)vs ›	$24.96B	N/A	N/A	N/A	N/A
KeyCorp (KEY)vs ›	$24.45B	0.61x	0.61x	1.18x	3.38x
Loews Corporation (L)vs ›	$24.26B	5.22x	4.73x	4.43x	4.56x
Raymond James Financial, Inc. (RJF)vs ›	$32.52B	2.47x	1.87x	3.00x	4.98x

NAME

MARKET CAP

INTEREST COVERAGE RATIO

TTM

Cincinnati Financial Corporation (CINF)

$28.28B

26.08x

42.04x

45.64x

44.81x

W. R. Berkley Corporation (WRB)vs ›

$28.09B

18.40x

18.12x

15.80x

12.77x

Willis Towers Watson Public Limited Company (WTW)vs ›

$27.87B

8.59x

5.48x

5.61x

6.07x

Cboe Global Markets, Inc. (CBOE)vs ›

$29.83B

28.95x

25.14x

18.85x

18.21x

Regions Financial Corporation (RF)vs ›

$26.34B

1.32x

1.18x

3.27x

5.99x

Citizens Financial Group, Inc. (CFG)vs ›

$30.40B

0.61x

0.51x

1.02x

2.42x

T. Rowe Price Group, Inc. (TROW)vs ›

$24.96B

N/A

KeyCorp (KEY)vs ›

$24.45B

0.61x

1.18x

3.38x

Loews Corporation (L)vs ›

$24.26B

5.22x

4.73x

4.43x

4.56x

Raymond James Financial, Inc. (RJF)vs ›

$32.52B

2.47x

1.87x

3.00x

4.98x

Interest Coverage Ratio FAQ

What is the interest coverage ratio for Cincinnati Financial Corporation (CINF)?

The interest coverage ratio for CINF stock is 26.08x.

Is Cincinnati Financial Corporation's interest coverage ratio high or low?

The interest coverage ratio of 26.08x is 33% below its 5-year average of 38.82x, around the middle of its 5-year range (-81.00x–131.86x).

What is the TTM average interest coverage ratio for Cincinnati Financial Corporation (CINF)?

The TTM average interest coverage ratio for CINF stock is 42.04x.

What is the 3Y average interest coverage ratio for Cincinnati Financial Corporation (CINF)?

The 3Y average interest coverage ratio for CINF stock is 45.64x.

What is the 5Y average interest coverage ratio for Cincinnati Financial Corporation (CINF)?

The 5Y average interest coverage ratio for CINF stock is 44.81x.

What is the 10Y average interest coverage ratio for Cincinnati Financial Corporation (CINF)?

The 10Y average interest coverage ratio for CINF stock is 37.67x.

What is the 15Y average interest coverage ratio for Cincinnati Financial Corporation (CINF)?

The 15Y average interest coverage ratio for CINF stock is 23.78x.

What is the 20Y average interest coverage ratio for Cincinnati Financial Corporation (CINF)?

The 20Y average interest coverage ratio for CINF stock is 16.54x.

DATE	INTEREST COVERAGE RATIO
2026-03-31	26.08x
2025-12-31	24.21x
2025-09-30	108.69x
2025-06-30	61.07x
2025-03-31	-9.85x
2024-12-31	36.85x
2024-09-30	80.00x
2024-06-30	27.57x
2024-03-31	73.31x
2023-12-31	106.43x
2023-09-30	-11.38x
2023-06-30	51.23x
2023-03-31	19.14x
2022-12-31	99.00x
2022-09-30	-41.21x
2022-06-30	-81.00x
2022-03-31	-27.00x
2021-12-31	131.86x
2021-09-30	14.15x
2021-06-30	67.08x
2021-03-31	59.08x
2020-12-31	94.00x
2020-09-30	47.23x
2020-06-30	81.79x
2020-03-31	-121.23x
2019-12-31	60.08x
2019-09-30	21.00x
2019-06-30	40.77x
2019-03-31	66.69x
2018-12-31	-44.69x
2018-09-30	44.14x
2018-06-30	20.31x
2018-03-31	-3.85x
2017-12-31	14.07x
2017-09-30	9.92x
2017-06-30	9.85x
2017-03-31	21.23x
2016-09-30	19.46x
2016-06-30	12.77x
2016-03-31	20.38x
2015-12-31	16.62x
2015-09-30	17.36x
2015-06-30	19.08x
2015-03-31	13.38x
2014-12-31	18.15x
2014-09-30	19.92x
2014-06-30	8.23x
2014-03-31	8.50x
2013-12-31	11.93x
2013-09-30	14.00x
2013-06-30	10.57x
2013-03-31	16.69x
2012-12-31	22.00x
2012-09-30	10.86x
2012-06-30	2.23x
2012-03-31	8.00x
2011-12-31	13.29x
2011-09-30	0.85x
2011-06-30	-7.07x
2011-03-31	5.77x
2010-12-31	-1.00x
2010-09-30	17.00x
2010-06-30	1.62x
2010-03-31	6.07x
2009-12-31	-1.00x
2009-09-30	17.43x
2009-06-30	-3.57x
2009-03-31	2.43x
2008-12-31	-1.00x
2008-09-30	25.43x
2008-06-30	4.92x
2008-03-31	-8.33x
2007-12-31	19.46x
2007-09-30	12.31x
2007-06-30	39.08x
2007-03-31	20.85x
2006-12-31	12.29x
2006-09-30	11.38x
2006-06-30	13.46x
2006-03-31	64.15x
2005-12-31	21.75x
2005-09-30	11.62x
2005-06-30	16.54x
2005-03-31	15.00x
2004-12-31	24.64x
2004-09-30	10.27x
2004-06-30	23.78x
2004-03-31	25.13x
2003-12-31	-1.00x
2003-09-30	17.13x
2003-06-30	13.38x
2003-03-31	8.13x
2002-12-31	-1.00x
2002-09-30	10.00x
2002-06-30	3.44x

DATE

INTEREST COVERAGE RATIO

2026-03-31

26.08x

2025-12-31

24.21x

2025-09-30

108.69x

2025-06-30

61.07x

2025-03-31

-9.85x

2024-12-31

36.85x

2024-09-30

80.00x

2024-06-30

27.57x

2024-03-31

73.31x

2023-12-31

106.43x

2023-09-30

-11.38x

2023-06-30

51.23x

2023-03-31

19.14x

2022-12-31

99.00x

2022-09-30

-41.21x

2022-06-30

-81.00x

2022-03-31

-27.00x

2021-12-31

131.86x

2021-09-30

14.15x

2021-06-30

67.08x

2021-03-31

59.08x

2020-12-31

94.00x

2020-09-30

47.23x

2020-06-30

81.79x

2020-03-31

-121.23x

2019-12-31

60.08x

2019-09-30

21.00x

2019-06-30

40.77x

2019-03-31

66.69x

2018-12-31

-44.69x

2018-09-30

44.14x

2018-06-30

20.31x

2018-03-31

-3.85x

2017-12-31

14.07x

2017-09-30

9.92x

2017-06-30

9.85x

2017-03-31

21.23x

2016-09-30

19.46x

2016-06-30

12.77x

2016-03-31

20.38x

2015-12-31

16.62x

2015-09-30

17.36x

2015-06-30

19.08x

2015-03-31

13.38x

2014-12-31

18.15x

2014-09-30

19.92x

2014-06-30

8.23x

2014-03-31

8.50x

2013-12-31

11.93x

2013-09-30

14.00x

2013-06-30

10.57x

2013-03-31

16.69x

2012-12-31

22.00x

2012-09-30

10.86x

2012-06-30

2.23x

2012-03-31

8.00x

2011-12-31

13.29x

2011-09-30

0.85x

2011-06-30

-7.07x

2011-03-31

5.77x

2010-12-31

-1.00x

2010-09-30

17.00x

2010-06-30

1.62x

2010-03-31

6.07x

2009-12-31

-1.00x

2009-09-30

17.43x

2009-06-30

-3.57x

2009-03-31

2.43x

2008-12-31

-1.00x

2008-09-30

25.43x

2008-06-30

4.92x

2008-03-31

-8.33x

2007-12-31

19.46x

2007-09-30

12.31x

2007-06-30

39.08x

2007-03-31

20.85x

2006-12-31

12.29x

2006-09-30

11.38x

2006-06-30

13.46x

2006-03-31

64.15x

2005-12-31

21.75x

2005-09-30

11.62x

2005-06-30

16.54x

2005-03-31

15.00x

2004-12-31

24.64x

2004-09-30

10.27x

2004-06-30

23.78x

2004-03-31

25.13x

2003-12-31

-1.00x

2003-09-30

17.13x

2003-06-30

13.38x

2003-03-31

8.13x

2002-12-31

-1.00x

2002-09-30

10.00x

2002-06-30

3.44x

Interest Coverage Ratio: 26.08x

CINF Interest Coverage Ratio

CINF Average Interest Coverage Ratio Chart

CINF Current vs Average Interest Coverage Ratio Chart

CINF Interest Coverage Ratio Metrics

CINF Competitors' Interest Coverage Ratio

Financial Health Indicators

Interest Coverage Ratio Formula & Definition

Interest Coverage Ratio FAQ

CINF Interest Coverage Ratio History

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