SEC 8-K
SEC 8-K: Item 5.02, 7.01, 9.01
Official SEC filing update. Items: 5.02, 7.01, 9.01.
Item 5.02, 7.01, 9.01Accession 0000020286-26-000038
Cincinnati Financial (CINF) Financials, Dividends & Stock Info
Explore comprehensive financial data for Cincinnati Financial, provided completely free. Analyze revenue, net income, profit margins, dividend history, and key financial ratios to make informed investment decisions.
Data as of (572 days ago)|Source: SEC EDGAR
The information on this page is for informational purposes only and does not constitute investment advice, financial advice, or any recommendation. Billiver does not recommend buying, selling, or holding any security. Past performance is not indicative of future results.
Data may be delayed and accuracy is not guaranteed. All investment decisions are solely your responsibility. Verify information independently and consult a qualified financial advisor before investing. About · Methodology
CINFFinancials
Cincinnati Financial (CINF) is a property & casualty insurance company. The company reports annual revenue of $12.1B and net income of $2.1B. Its profit margin is 17.6%.
Cincinnati Financial Key Financials(TTM Est.)
Revenue (TTM)↑ 11.4%
$12.1B
Net Income (TTM)↑ 4.4%
$2.1B
Profit Margin
17.6%
Top 26% in sector
Return on Equity
13.8%
Top 68% in sector
Debt/Equity
0.05
Top 0% in sector
Data from SEC EDGAR filings. TTM = Trailing Twelve Months.
Cincinnati Financial Financial Health ScoreFY2025
0/100
Strong financial position with minor areas to watch
-2 pts YoYProfitability75Solvency95Growth80Cash Flow100Efficiency55
This Financial Health Score is a proprietary metric calculated from SEC EDGAR filings for educational and informational purposes only. It does not constitute investment advice or a recommendation to buy or sell any security. Results vary significantly by industry. Conduct your own research before making investment decisions.
Data Highlights
- Altman Z-Score 0.92 (distress zone, below 1.8 threshold)
Data sourced from SEC EDGAR filings. Not investment advice.
Cincinnati Financial Official SEC Updates
Official filing updates from SEC EDGAR. Billiver stores internal evidence snapshots for verification, but this page links to the SEC source instead of republishing full filing text.
Open SEC filing
SEC 8-K
SEC 8-K: Item 5.02, 7.01, 9.01
Official SEC filing update. Items: 5.02, 7.01, 9.01.
Item 5.02, 7.01, 9.01Accession 0000020286-26-000034
SEC 8-K
SEC 8-K: Item 7.01, 9.01
Official SEC filing update. Items: 7.01, 9.01.
Item 7.01, 9.01Accession 0000020286-26-000032
SEC 8-K
SEC 8-K: Item 5.07, 7.01, 9.01
Official SEC filing update. Items: 5.07, 7.01, 9.01.
Item 5.07, 7.01, 9.01Accession 0000020286-26-000030
SEC 10-Q
SEC 10-Q
Official SEC filing update.
10-QAccession 0000020286-26-000026
Source: SEC EDGAR · 5 filings
Informational only. Not investment advice.
Cincinnati Financial Recent Events
Leadership Change
Leadership Change
Shareholder Vote
Earnings Results
Earnings Results
Source: SEC EDGAR 8-K Filings
5-Year Revenue & Net Income Trend
Chart shows fiscal year data from SEC EDGAR filings. Hover over data points for details.
As of FY2025 · SEC 10-K · Updated Jul 4, 2026
About Cincinnati Financial
Cincinnati Financial Corporation offers property and casualty insurance, its main business, through The Cincinnati Insurance Company, The Cincinnati Indemnity Company and The Cincinnati Casualty Company. The company has 1.01% of the domestic property and casualty insurance premiums, which ranks it as the 20th largest insurance company by market share in the U.S.
- Industry
- Property & Casualty Insurance
Valuation
Valuation Data UnavailablePrice-based valuation metrics (P/E, P/B) require real-time stock price data which is not included in SEC filings.
Benjamin Graham: Graham recommended P/E ratio not exceed 15 for reasonable valuation. Understanding valuation metrics
Profitability
Positive MarginsROE13.8%
vs 18.4% sector median / 13.9% avg
▼
Generates $13.8 in profit for every $100 of shareholder equity. Higher than 32% in Financials.
Profit Margin17.6%
vs 10.3% sector median / 12.1% avg
▼
Keeps 18 cents of every dollar in revenue as profit. Higher than 74% in Financials.
Revenue (TTM)*$12.1B
3rd consecutive year of revenue growth.
Net Income (TTM)*$2.1B
* Some quarterly data is missing. Values are calculated based on annual report figures.
Profit margin 45% above sector average.
Warren Buffett: Buffett looks for consistent ROE above 20% as a sign of competitive advantage. How to evaluate profitability
Financial Health
Low LeverageDebt/Equity0.05
vs 0.25 sector median / 0.30 avg
▼
Carries $0.05 in debt for every $1 of equity. Lower debt than 100% in Financials.
Total Debt$790M
Debt-to-equity ratio of 0.05 is below 0.5.
Peter Lynch: Lynch: normal balance sheet has 75% equity, 25% debt. Understanding financial health
Dividend
Dividend Data UnavailableDividend yield data is not available from SEC filings. Check the company's investor relations page for dividend information.
As of FY2025 · SEC 10-K · Updated Jul 4, 2026
Cincinnati Financial 10-Year Revenue, Profit & Cash Flow History
Annual Financials
FY2025 - FY2016| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $12.6B(+11.4%) | $11.3B(+13.2%) | $10.0B(+52.6%) | $6.6B(-31.8%) | $9.6B(+78.0%) | $5.4B(-31.8%) | $7.9B(+46.6%) | $5.4B(-5.7%) | $5.7B(+5.2%) | $5.4B(+6.0%) |
| Net Income | $2.4B(+4.4%) | $2.3B(+24.4%) | $1.8B(+478.4%) | $-487,000,000(-116.4%) | $3.0B(+934.1%) | $287.0M(-85.6%) | $2.0B(+595.8%) | $287.0M(-72.5%) | $1.0B(+76.8%) | $591.0M(-6.8%) |
| Total Assets | $41.0B | $36.5B | $32.8B | $29.7B | $31.4B | $27.5B | $25.4B | $21.9B | $21.8B | $20.4B |
| Total Debt | $790.0M | $790.0M | $790.0M | $789.0M | $789.0M | $788.0M | $788.0M | $788.0M | $787.0M | $787.0M |
| Total Equity | $15.9B | $13.9B | $12.1B | $10.6B | $12.8B | $9.9B | $9.9B | $7.8B | $8.2B | $7.1B |
| Profit Margin | 18.9% | 20.2% | 18.4% | -7.4% | 30.8% | 5.3% | 25.2% | 5.3% | 18.2% | 10.8% |
| ROE | 15.0% | 16.4% | 15.2% | -4.6% | 23.3% | 2.9% | 20.3% | 3.7% | 12.7% | 8.4% |
| ROA | 5.8% | 6.3% | 5.6% | -1.6% | 9.5% | 1.0% | 7.9% | 1.3% | 4.8% | 2.9% |
Quarterly Financials
Last 8 quarters| Metric | Q1 2026 | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.6B | $8.8B | $5.5B | $2.9B | $6.7B | $4.8B | $2.2B | $3.4B |
| Net Income | $-90,000,000 | $1.9B | $1.1B | $755.0M | $660.0M | $759.0M | $225.0M | $-1,500,000,000 |
| Total Assets | $41.0B | $36.5B | $36.5B | $36.5B | $32.8B | $32.8B | $32.8B | $29.7B |
As of FY2025 · SEC 10-K · Updated Jul 4, 2026
Insider Trading
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Source: SEC EDGAR Form 4 filings. Only purchase (P) and sale (S) transactions shown.
Cincinnati Financial Dividend Safety Analysis & Growth History
Dividend Status
Dividend PayerCAGR (5Y)
+1.7%
CAGR (10Y)
+1.3%
This company pays dividends. Historical dividend data shown below.
5-year dividend CAGR: +1.7%.
Annual Dividends
2016 - 2025| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend/Share | $1.92 | $2.50 | $2.12 | $2.24 | $2.40 | $2.52 | $2.76 | $3.00 | $3.24 | $2.61 |
| YoY Growth | -16.5% | +30.2% | -15.2% | +5.7% | +7.1% | +5.0% | +9.5% | +8.7% | +8.0% | -19.4% |
| Payments | 1 | 1 | 4 | 4 | 1 | 1 | 1 | 2 | 4 | 3 |
| Increased | No | Yes | No | Yes | Yes | Yes | Yes | Yes | Yes | No |
Learn more: Dividend investing guide | How to evaluate dividend safety
As of FY2025 · SEC 10-K · Updated Jul 4, 2026
Cincinnati Financial Free Cash Flow & Dividend Coverage
Free Cash Flow
$3.1B
FY2025
FCF Margin
24.5%
FCF / Revenue
Operating Cash Flow
$3.1B
Cash from operations
FCF / Net Income
1.29x
Quality earnings
Generates approximately $8M in free cash flow per day.
Cash Flow History
FY2016 - FY2025| Metric | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | $1.1B | $1.1B | $1.2B | $1.2B | $1.2B | $2.0B | $2.1B | $2.1B | $2.6B | $3.1B |
| CapEx | -$13.0M | -$16.0M | -$20.0M | -$24.0M | -$20.0M | -$15.0M | -$15.0M | -$18.0M | -$22.0M | -$20.0M |
| Free Cash Flow | $1.1B | $1.0B | $1.2B | $1.2B | $1.2B | $2.0B | $2.0B | $2.0B | $2.6B | $3.1B |
| FCF Margin | 20.2% | 18.1% | 21.5% | 14.9% | 21.5% | 20.4% | 31.0% | 20.3% | 23.2% | 24.5% |
Source: SEC EDGAR 10-K filings. FCF = Operating Cash Flow - Capital Expenditures. Free cash flow guide
As of FY2025 · SEC 10-K · Updated Jul 4, 2026
Cincinnati Financial Risk Factors
Company-disclosed SEC risk factors
Risk factors are disclosed by the company in its SEC Form 10-K, Item 1A. Billiver does not classify or summarize company-specific legal, operational, financial, or market risks here.
Sector context: Financials. This is not a Billiver risk assessment for CINF.
Source note: the SEC Form 10-K includes Item 1A, "Risk Factors." The full risk-factor text should be read from the company’s own SEC filing.
Cincinnati Financial FAQ
What is Cincinnati Financial's annual revenue?
Cincinnati Financial (CINF) reported $12.1 billion in trailing twelve-month (TTM) revenue. This financial data is compiled from SEC EDGAR 10-K filings.
Is Cincinnati Financial profitable?
Yes, Cincinnati Financial is profitable with a 17.6% net profit margin and $2.1 billion in net income (TTM). All figures from SEC EDGAR 10-K filings.
Does Cincinnati Financial pay dividends?
Yes, Cincinnati Financial pays regular dividends. View the full dividend history and payout analysis on this page.
What is Cincinnati Financial's financial health score?
Cincinnati Financial has a financial health score of 81/100 (Grade: A), evaluating profitability, solvency, liquidity, and growth based on SEC EDGAR data.
How many years of Cincinnati Financial financial data are available?
10 years of financial data are available for Cincinnati Financial from FY2016 to FY2025. All figures are compiled from SEC EDGAR 10-K filings.