Cincinnati Financial (CINF) Operating Margin: History & Chart

Cincinnati Financial Corporation(CINF)

Insurance - Property & Casualty · Fairfield, OH

$169.14-1.96 (-1.15%)

Delayed quote: Sep 8, 2026, 4:00 PM EDT

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 Operating Margin Metrics

OPERATING MARGIN

29.78%

OPERATING MARGIN AVG TTM

27.94%

OPERATING MARGIN AVG 3Y

22.64%

OPERATING MARGIN AVG 5Y

22.25%

OPERATING MARGIN AVG 10Y

23.66%

OPERATING MARGIN AVG 15Y

19.47%

OPERATING MARGIN AVG 20Y

17.49%

CURRENT VS TTM AVG

+6.60%

CURRENT VS 3Y AVG

+31.53%

CURRENT VS 5Y AVG

+33.87%

CURRENT VS 10Y AVG

+25.87%

CURRENT VS 15Y AVG

+52.91%

CURRENT VS 20Y AVG

+70.25%

SECTOR MEDIAN · FINANCIAL SERVICES

23.41%

median of 102 covered companies

CURRENT VS SECTOR MEDIAN

+27.21%

vs the sector median at left

NAME	MARKET CAP	OPERATING MARGIN	TTM	3Y	5Y
Cincinnati Financial Corporation (CINF)	$25.96B	29.78%	27.94%	22.64%	22.25%
W. R. Berkley Corporation (WRB)vs ›	$25.97B	13.69%	16.23%	15.58%	14.10%
Circle Internet Group (CRCL)vs ›	$25.71B	-3.32%	3.33%	5.07%	-46.87%
Regions Financial Corporation (RF)vs ›	$25.66B	29.77%	26.83%	30.14%	31.51%
Synchrony Financial (SYF)vs ›	$25.58B	24.34%	23.05%	23.22%	25.99%
Principal Financial Group, Inc. (PFG)vs ›	$24.63B	12.13%	10.39%	15.08%	14.18%
KeyCorp (KEY)vs ›	$23.52B	18.05%	8.61%	14.51%	20.70%
T. Rowe Price Group, Inc. (TROW)vs ›	$23.45B	30.27%	31.41%	32.53%	37.12%
SoFi Technologies, Inc. (SOFI)vs ›	$23.10B	13.22%	8.66%	-2.78%	-16.52%
Brown & Brown, Inc. (BRO)vs ›	$22.81B	28.47%	28.76%	28.02%	27.63%

NAME

MARKET CAP

OPERATING MARGIN

TTM

Cincinnati Financial Corporation (CINF)

$25.96B

29.78%

27.94%

22.64%

22.25%

W. R. Berkley Corporation (WRB)vs ›

$25.97B

13.69%

16.23%

15.58%

14.10%

Circle Internet Group (CRCL)vs ›

$25.71B

-3.32%

3.33%

5.07%

-46.87%

Regions Financial Corporation (RF)vs ›

$25.66B

29.77%

26.83%

30.14%

31.51%

Synchrony Financial (SYF)vs ›

$25.58B

24.34%

23.05%

23.22%

25.99%

Principal Financial Group, Inc. (PFG)vs ›

$24.63B

12.13%

10.39%

15.08%

14.18%

KeyCorp (KEY)vs ›

$23.52B

18.05%

8.61%

14.51%

20.70%

T. Rowe Price Group, Inc. (TROW)vs ›

$23.45B

30.27%

31.41%

32.53%

37.12%

SoFi Technologies, Inc. (SOFI)vs ›

$23.10B

13.22%

8.66%

-2.78%

-16.52%

Brown & Brown, Inc. (BRO)vs ›

$22.81B

28.47%

28.76%

28.02%

27.63%

Operating Margin FAQ

What is the operating margin for Cincinnati Financial Corporation (CINF)?

The operating margin for CINF stock is 29.78%.

Is Cincinnati Financial Corporation's operating margin high or low?

The operating margin of 29.78% is 34% above its 5-year average of 22.25%, near the high end of its 5-year range (-128.41%–55.55%).

What is the TTM average operating margin for Cincinnati Financial Corporation (CINF)?

The TTM average operating margin for CINF stock is 27.94%.

What is the 3Y average operating margin for Cincinnati Financial Corporation (CINF)?

The 3Y average operating margin for CINF stock is 22.64%.

What is the 5Y average operating margin for Cincinnati Financial Corporation (CINF)?

The 5Y average operating margin for CINF stock is 22.25%.

What is the 10Y average operating margin for Cincinnati Financial Corporation (CINF)?

The 10Y average operating margin for CINF stock is 23.66%.

What is the 15Y average operating margin for Cincinnati Financial Corporation (CINF)?

The 15Y average operating margin for CINF stock is 19.47%.

What is the 20Y average operating margin for Cincinnati Financial Corporation (CINF)?

The 20Y average operating margin for CINF stock is 17.49%.

DATE	OPERATING MARGIN
2026-06-30	36.87%
2026-03-31	11.39%
2025-12-31	27.18%
2025-09-30	37.92%
2025-06-30	26.32%
2025-03-31	-4.99%
2024-12-31	18.87%
2024-09-30	31.33%
2024-06-30	15.17%
2024-03-31	32.47%
2023-12-31	44.40%
2023-09-30	-8.17%
2023-06-30	25.57%
2023-03-31	11.96%
2022-12-31	41.33%
2022-09-30	-40.92%
2022-06-30	-128.41%
2022-03-31	-28.82%
2021-12-31	55.55%
2021-09-30	10.31%
2021-06-30	38.00%
2021-03-31	34.49%
2020-12-31	48.85%
2020-09-30	27.57%
2020-06-30	42.19%
2020-03-31	1591.92%
2019-12-31	36.29%
2019-09-30	17.29%
2019-06-30	27.71%
2019-03-31	40.16%
2018-12-31	-81.83%
2018-09-30	32.27%
2018-06-30	16.94%
2018-03-31	-4.08%
2017-12-31	13.96%
2017-09-30	9.14%
2017-06-30	9.24%
2017-03-31	18.12%
2016-12-31	0.00%
2016-09-30	18.05%
2016-06-30	12.11%
2016-03-31	19.43%
2015-12-31	17.10%
2015-09-30	19.01%
2015-06-30	18.84%
2015-03-31	13.54%
2014-12-31	18.70%
2014-09-30	20.23%
2014-06-30	8.81%
2014-03-31	10.01%
2013-12-31	14.25%
2013-09-30	15.80%
2013-06-30	13.41%
2013-03-31	19.67%
2012-12-31	26.73%
2012-09-30	14.69%
2012-06-30	2.84%
2012-03-31	11.36%
2011-12-31	19.48%
2011-09-30	1.17%
2011-06-30	-10.15%
2011-03-31	8.07%
2010-12-31	-1.50%
2010-09-30	20.63%
2010-06-30	2.39%
2010-03-31	9.58%
2009-12-31	-1.15%
2009-09-30	24.23%
2009-06-30	-5.72%
2009-03-31	3.82%
2008-12-31	-1.38%
2008-09-30	30.02%
2008-06-30	6.98%
2008-03-31	-14.20%
2007-12-31	25.92%
2007-09-30	16.29%
2007-06-30	40.00%
2007-03-31	26.29%
2006-12-31	17.30%
2006-09-30	15.31%
2006-06-30	17.84%
2006-03-31	51.90%
2005-12-31	27.02%
2005-09-30	16.00%
2005-06-30	22.87%
2005-03-31	21.29%
2004-12-31	28.77%
2004-09-30	12.86%
2004-06-30	23.19%
2004-03-31	23.10%
2003-12-31	-1.07%
2003-09-30	16.39%
2003-06-30	13.41%
2003-03-31	9.19%
2002-12-31	-1.25%
2002-09-30	12.31%

DATE

OPERATING MARGIN

2026-06-30

36.87%

2026-03-31

11.39%

2025-12-31

27.18%

2025-09-30

37.92%

2025-06-30

26.32%

2025-03-31

-4.99%

2024-12-31

18.87%

2024-09-30

31.33%

2024-06-30

15.17%

2024-03-31

32.47%

2023-12-31

44.40%

2023-09-30

-8.17%

2023-06-30

25.57%

2023-03-31

11.96%

2022-12-31

41.33%

2022-09-30

-40.92%

2022-06-30

-128.41%

2022-03-31

-28.82%

2021-12-31

55.55%

2021-09-30

10.31%

2021-06-30

38.00%

2021-03-31

34.49%

2020-12-31

48.85%

2020-09-30

27.57%

2020-06-30

42.19%

2020-03-31

1591.92%

2019-12-31

36.29%

2019-09-30

17.29%

2019-06-30

27.71%

2019-03-31

40.16%

2018-12-31

-81.83%

2018-09-30

32.27%

2018-06-30

16.94%

2018-03-31

-4.08%

2017-12-31

13.96%

2017-09-30

9.14%

2017-06-30

9.24%

2017-03-31

18.12%

2016-12-31

0.00%

2016-09-30

18.05%

2016-06-30

12.11%

2016-03-31

19.43%

2015-12-31

17.10%

2015-09-30

19.01%

2015-06-30

18.84%

2015-03-31

13.54%

2014-12-31

18.70%

2014-09-30

20.23%

2014-06-30

8.81%

2014-03-31

10.01%

2013-12-31

14.25%

2013-09-30

15.80%

2013-06-30

13.41%

2013-03-31

19.67%

2012-12-31

26.73%

2012-09-30

14.69%

2012-06-30

2.84%

2012-03-31

11.36%

2011-12-31

19.48%

2011-09-30

1.17%

2011-06-30

-10.15%

2011-03-31

8.07%

2010-12-31

-1.50%

2010-09-30

20.63%

2010-06-30

2.39%

2010-03-31

9.58%

2009-12-31

-1.15%

2009-09-30

24.23%

2009-06-30

-5.72%

2009-03-31

3.82%

2008-12-31

-1.38%

2008-09-30

30.02%

2008-06-30

6.98%

2008-03-31

-14.20%

2007-12-31

25.92%

2007-09-30

16.29%

2007-06-30

40.00%

2007-03-31

26.29%

2006-12-31

17.30%

2006-09-30

15.31%

2006-06-30

17.84%

2006-03-31

51.90%

2005-12-31

27.02%

2005-09-30

16.00%

2005-06-30

22.87%

2005-03-31

21.29%

2004-12-31

28.77%

2004-09-30

12.86%

2004-06-30

23.19%

2004-03-31

23.10%

2003-12-31

-1.07%

2003-09-30

16.39%

2003-06-30

13.41%

2003-03-31

9.19%

2002-12-31

-1.25%

2002-09-30

12.31%

Operating Margin: 29.78%

CINF Operating Margin

CINF Average Operating Margin Chart

CINF Current vs Average Operating Margin Chart

CINF Operating Margin Metrics

CINF Competitors' Operating Margin

Operating Efficiency

Operating Margin Formula & Definition

Operating Margin FAQ

CINF Operating Margin History

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