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Cincinnati Financial Corporation (CINF) is a financial services company in the insurance - property & casualty industry with $13.95B in trailing revenue trading at a 7.7× trailing P/E — analyst consensus: none.
Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance; universal life insurance; and worksite and whole life insurance products, as well as annuities. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. The company was founded in 1950 and is headquartered in Fairfield, Ohio.
Key Statistics
Market Cap
$24.95B
Revenue (TTM)
$13.95B
EPS (TTM)
$21.18
EPS (Fwd est.)
$9.03
Employees
5,705
Trailing P/E
7.67
Forward P/E
18.00
PEG Ratio
2.19
Price / Sales
1.79
Price / Book
1.50
EV / EBITDA
5.48
Beta (5Y)
0.55
Analyst Consensus
Consensus
None
Analyst Price Target
+17.9% upside
Target: $191.67
Annual Revenue & Net Income
RevenueNet Income
'22
$6.56B
$-490.00M
'23
$10.01B
$1.84B
'24
$11.34B
$2.29B
'25
$12.63B
$2.39B
Earnings History
Quarter
Actual EPS
Estimate
Result
Jul 2026
$1.43
$1.82
Miss (-21.3%)
Apr 2026
$2.10
$1.94
Beat (+8.2%)
Feb 2026
$3.37
$2.89
Beat (+16.6%)
Oct 2025
$2.85
$2.06
Beat (+38.4%)
Next Earnings Report
Cincinnati Financial Corporation is next expected to report earnings on 26 Oct 2026.
Profitability
31.1%
37.2%
23.8%
Gross MarginOperating MarginNet Margin
Revenue Growth (YoY)
31.6%
Return on Equity
21.5%
Return on Assets
6.4%
Balance Sheet
Cash & Equivalents
$1.89B
Total Debt
$880.00M
Net Position
$1.02B (net cash)
Free Cash Flow (TTM)
$2.98B
Debt / Equity
5.25
Share Ownership
Institutions 74.0%
Insiders 1.7%
Public 24.3%
Dividend
Annual Rate
$3.76
Yield
2.31%
Payout Ratio
17.1%
Ex-Dividend Date
23 Sep 2026
5Y Avg Yield
2.38%
Frequently Asked Questions
What does Cincinnati Financial Corporation (CINF) do?
Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers' compensat…
What is CINF's market cap?
Cincinnati Financial Corporation has a market capitalization of approximately $24.95B.
What is CINF's P/E ratio?
Cincinnati Financial Corporation trades at a trailing P/E ratio of 7.7x and a forward P/E of 18.0x, which is below the broad market average of ~25x.
How much revenue does CINF generate?
Cincinnati Financial Corporation generated $13.95B in trailing 12-month revenue.
What do analysts say about CINF?
The analyst consensus rating for Cincinnati Financial Corporation is none, with a mean price target of $191.67. That implies +17.9% upside from the current price.
When does CINF report earnings?
Cincinnati Financial Corporation is next scheduled to report earnings on 26 Oct 2026.
Does CINF pay a dividend?
Yes. Cincinnati Financial Corporation pays a dividend with a current yield of 2.31%, at an annual rate of $3.76 per share.
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