Cincinnati Financial Corporation logo CINF - Cincinnati Financial Corporation

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY 0
BUY 9
HOLD 7
SELL 1
STRONG
SELL 0
| PRICE TARGET: $173.50 DETAILS
HIGH: $190.00
LOW: $157.00
MEDIAN: $173.50
CONSENSUS: $173.50
UPSIDE: 3.21%
Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 12,631 11,337 10,013 6,563 9,626 7,536 7,924 5,407 5,732 5,449 5,142 4,945 4,531 4,111 3,803 3,772 3,903 3,824 4,259 4,550 3,767 3,614 3,181 2,843 2,561 2,331 2,128 2,054.3 1,942.4 1,808.7 1,655.7 1,512.5 1,442.2
Cost of Revenue 6,300 5,737 5,274 5,019 3,909 4,134 3,638 3,490 3,390 3,107 2,808 2,856 2,505 2,322 2,524 2,180 2,242 2,176 1,954 2,107 1,892 1,816 1,845 1,769 1,636 1,548 1,237 1,209.8 1,047.2 1,079.1 954.1 895.4 825.7
Gross Profit 6,331 5,600 4,739 1,544 5,717 3,402 4,286 1,917 2,342 2,342 2,334 2,089 2,026 1,789 1,279 1,592 1,661 1,648 2,305 2,443 1,875 1,798 1,336 1,074 925 783 891 844.5 895.2 729.6 701.5 617.1 616.4
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 3,365 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 987 13 984 929 885 740 674 576 523 468 438.9 421.7 376.3 342.8 316.0 304.2
Other Expenses 0 2,742 2,463 2,238 2,019 1,903 1,814 1,666 1,612 1,530 1,453 1,368 1,312 1,223 1,106 1,094 1,059 121 1,100 130 123 113 116 121 128 151 101 98.4 78.9 70.9 63.6 51.8 45.2
Operating Expenses 3,365 2,742 2,463 2,238 2,019 1,903 1,814 1,666 1,612 1,530 1,453 1,368 1,312 1,223 1,106 1,094 1,079 1,108 1,113 1,114 1,052 998 856 795 704 674 569 537.4 500.6 447.2 406.3 367.8 349.4
Operating Income
Operating Income 2,980 2,858 2,276 (694) 3,698 1,499 2,472 251 730 812 881 721 714 566 173 498 582 540 1,192 1,329 823 800 480 279 221 109 322 307.1 394.6 282.4 295.2 249.3 267.0
Interest Expense 5.3 53 54 53 53 54 53 53 53 53 53 53 54 54 54 54 55 53 52 53 51 38 34 35 39 37 33 28.0 20.8 20.1 17.2 10.0 7.4
Interest Income 1,165 1,016 882 785 723 675 647 626 615 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA 3,201 3,041 2,442 (514) 3,869 1,662 2,597 367 838 913 986 825 818 664 269 593 675 625 1,280 1,420 907 866 544 336 285 164 371 346.9 426.7 309.6 322.1 269.2 284.9
EBIT 3,033 2,911 2,330 (641) 3,751 1,553 2,525 304 783 865 934 774 768 620 227 552 637 593 1,244 1,382 874 838 514 314 260 146 355 335.1 415.4 302.5 312.4 259.3 274.4
Income Before Tax 2,980 2,858 2,276 (694) 3,698 1,499 2,472 251 730 812 881 721 714 566 173 498 582 540 1,192 1,329 823 800 480 279 221 109 322 307.1 394.6 282.4 295.2 249.3 267.0
Income Tax Expense 587 566 433 (207) 730 283 475 (36) (315) 221 247 196 197 145 9 123 150 111 337 399 221 216 106 41 28 (9) 67 65.5 95.2 58.7 67.8 48.1 (64.8)
Net Income 2,393 2,292 1,843 (487) 2,968 1,216 1,997 287 1,045 591 634 525 517 421 164 375 432 429 855 930 602 584 374 238 193 118 255 241.6 299.4 223.8 227.3 201.2 216.0
Per Share Data
EPS (Basic) 15.17 14.65 11.74 -3.06 18.30 7.54 12.24 1.76 6.36 3.59 3.87 3.21 3.16 2.59 1.02 2.32 2.67 2.63 5.01 5.36 3.44 3.30 2.11 1.33 1.09 0.67 1.41 1.32 1.64 1.22 1.23 1.07 1.15
EPS (Diluted) 15.17 14.53 11.66 -3.06 18.10 7.49 12.10 1.74 6.29 3.55 3.83 3.18 3.12 2.57 1.02 2.31 2.65 2.62 4.97 5.30 3.40 3.28 2.10 1.32 1.08 0.66 1.38 1.28 1.61 1.19 1.21 1.07 1.15
Shares Outstanding 157.7 156.4 158.1 158.8 161 162.3 165.0 164 164.3 164.6 163.8 163.5 165.4 163.7 163.3 162.8 162.8 163.4 170.6 173.4 177.1 178.4 178.3 179.9 177.1 177.1 181.9 183.9 182.5 184.3 184.1 188.0 187.6
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 1,431 983 907 1,264 1,139 900 767 784 657 777 557 1,009 306 91 112 48 60 339.6 58.6 80.2 59.9 20.0 48.3 48.1
Short-Term Investments 18,271 16,480 13,791 12,132 13,022 12,338 11,698 0 0 0 6 84 71 0 0 0 0 0 0 0 0 0 0 38.4
Net Receivables 4,178 3,834 3,543 3,239 2,865 2,627 2,597 2,331 2,216 2,263 1,070 1,130 2,001 1,141 989 759 683 555.5 196.5 190.3 188.9 181.4 158.1 147.4
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 (15,930) (15,116) (13,848) (13,614) (13,187) (1,648) (2,238) (2,393) (1,245) (1,148) (835) (758) (919.7) (281.6) (294.0) (271.8) (223.3) (230.5) (219.5)
Total Current Assets 23,951 21,367 18,296 16,686 17,104 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Non-Current Assets
Property, Plant & Equipment 219 214 208 202 205 213 207 195 185 183 251 236 156 153 128 125 122 107.8 53.6 52.6 50.1 33.1 32.7 31.3
Goodwill 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 1,344 1,242 1,093 1,013 905 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 13,512 11,898 11,566 10,293 11,644 21,194 19,450 16,609 16,948 15,419 10,562 8,807 12,639 12,449 11,189 11,505 11,247 10,128.3 10,267.0 8,750.5 6,302.0 5,488.8 4,173.4 4,078.5
Other Non-Current Assets 1,976 1,780 1,606 1,538 1,529 (21,407) (19,657) (16,804) (17,133) (15,602) (10,813) (9,043) (12,795) (12,602) (11,317) (11,630) (11,369) (10,236.1) (10,320.7) (8,803.0) (6,352.1) (5,521.8) (4,206.0) (4,109.8)
Total Non-Current Assets 17,051 15,134 14,473 13,046 14,283 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Assets 41,002 36,501 32,769 29,732 31,387 27,542 25,408 21,935 21,843 20,386 14,440 13,369 16,107 15,509 14,059 13,914 13,287 11,807.7 11,086.5 9,493.4 7,045.5 6,109.3 4,734.3 4,602.3
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 25 25 25 50 54 54 39 32 24 20 49 49 0 183 183 183 170 118 0 280.6 262.1 221.0 129.1 78.1
Deferred Revenue 5,254 4,813 4,119 3,689 3,271 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 13,340 11,479 10,374 9,454 9,049 (54) (39) (32) (24) (20) (49) (49) 0 (183) (183) (183) (170) (118) 0 (280.6) (262.1) (221.0) (129.1) (78.1)
Total Current Liabilities 18,619 16,317 14,518 13,193 12,374 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Non-Current Liabilities
Long-Term Debt 790 790 790 789 789 788 788 788 787 787 790 791 791 420 420 426 449 456.4 471.5 58.4 79.8 80 80 80
Deferred Tax Liabilities 1,833 1,476 1,324 1,054 1,744 1,299 1,079 0 0 0 0 0 0 0 0 2,001 2,057.6 1,719.7 1,809.0 1,406.5 676.9 487.8 195.4 0
Other Non-Current Liabilities 3,778 3,923 3,980 4,082 3,321 (2,144) (1,924) (1,461) (1,572) (1,691) (942) (791) (2,625) (2,369) (2,157) (2,427) (2,507) (2,176.0) (2,280.5) (1,464.9) (756.7) (567.8) (275.4) (370.9)
Total Non-Current Liabilities 6,472 6,249 6,153 5,977 5,908 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Liabilities 25,091 22,566 20,671 19,170 18,282 16,753 15,544 14,102 13,600 13,326 9,680 9,187 9,858 9,305 8,524 7,916 7,292 6,386.4 5,465.6 4,776.5 3,882.6 3,451.3 2,794.2 2,654.9
Stockholders' Equity
Common Stock 397 397 397 397 397 397 397 397 397 397 393 393 370 352 352 350 346 343.7 340.9 338.8 111.7 106.2 100.9 100.6
Retained Earnings 16,719 14,869 13,084 11,711 12,625 10,085 9,257 7,625 5,180 5,037 3,862 3,579 2,057 1,986 1,772 1,678 1,620 1,623.9 1,480.9 1,341.7 1,132.9 1,156.6 1,133.1 996.4
Accumulated Other Comprehensive Income (34) (309) (435) (614) 648 769 448 22 2,788 1,693 624 347 3,787 4,084 3,643 4,113 4,156 3,530.1 3,678.0 2,905.8 1,527.7 1,159.4 601.2 748.5
Total Stockholders' Equity 15,911 13,935 12,098 10,562 13,105 10,789 9,864 7,833 8,243 7,060 4,760 4,182 6,249 6,204 5,598 5,998 5,995.0 5,421.3 5,620.9 4,717.0 3,162.9 2,658.0 1,940.0 1,947.3
Total Liabilities & Equity 41,002 36,501 32,769 29,732 31,387 27,542 25,408 21,935 21,843 20,386 14,440 13,369 16,107 15,509 14,059 13,914 13,287 11,807.7 11,086.5 9,493.4 7,045.5 6,109.3 4,734.3 4,602.3
Debt Metrics
Total Debt 886 875 874 891 897 899 884 866 851 846 839 840 791 603 603 609 619.2 574.4 471.5 339.0 341.9 301.0 209.1 158.1
Net Debt (545) (108) (33) (373) (242) (1) 117 82 194 69 282 (169) 485 512 491 561 559 234.8 412.9 258.8 282.0 281.0 160.9 110.0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 2,393 2,292 1,843 (487) 2,946 1,216 1,997 287 1,045 591 602 584 374 238 193 118.4 255 241.6 299.4 223.8 227.3 201.2 202.2
Depreciation & Amortization 168 130 112 127 93 81 72 63 55 48 33 28 30 22 25 18.3 16.0 11.8 11.3 7.1 9.6 9.9 10.5
Stock-Based Compensation 0 0 0 36 33 31 30 28 26 23 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital 1,629 1,433 937 1,231 740 838 362 395 470 479 170 233 395 305 312 177.3 415 98.8 197.2 137.5 173.1 160.6 432
Other Non-Cash Items (1,361) (1,323) (1,063) 1,500 (2,308) (811) (1,596) 455 (100) (76) (33) (67) 27 114 44 43.1 20.7 (65.3) (69.1) (50.8) (12.4) (27.2) (261.3)
Operating Cash Flow 3,112 2,649 2,052 2,052 1,981 1,491 1,208 1,181 1,052 1,103 805 823 816 667 540 356.6 697 273.6 427.0 308.3 389.5 328.5 363.2
Investing Activities
Capital Expenditure (20) (22) (18) (15) (15) (20) (24) (20) (16) (13) (44) (33) (38) (27) (15) (43.7) (102.1) (47.8) (16.5) (18.6) (10.8) (11.4) (7.6)
Acquisitions 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (5,909) (6,460) (2,917) (2,468) (2,701) (2,131) (2,196) (1,989) (2,251) (2,447) (1,516) (1,959) (1,479) (962) (826) (1,070.8) (677.9) (961.5) (1,042.7) (923.9) (986.7) (845.0) (931)
Sales/Maturities of Investments 4,268 4,801 1,342 1,543 1,661 1,606 1,546 1,566 1,718 1,991 809 1,420 869 461 478 599.1 575 689.0 781.5 724.3 561.8 541.9 605.9
Other Investing Activities (30) (15) (15) 7 (2) (15) (5) (8) (9) 13 (20) (29) 6 (9) 4 2.4 0.0 (0.4) (4.9) (6.6) (8.2) (5.8) (0.7)
Investing Cash Flow (1,691) (1,696) (1,608) (933) (1,057) (560) (679) (451) (558) (456) (771) (601) (642) (537) (359) (513) (205) (320.7) (282.5) (224.8) (443.9) (320.2) (333.4)
Financing Activities
Net Debt Issuance 0 0 (25) (4) 0 15 7 8 4 (15) 0 188 0 0 13 52 118 139.0 18.5 41.1 91.9 51.0 11.1
Stock Repurchased (205) (126) (67) (410) (144) (261) (67) (125) (92) (39) (61) (59) (55) (42) (46) (67) (217) (24.3) (60.7) (9.0) (0.3) (0.5) 5.2
Dividends Paid (525) (490) (454) (423) (395) (375) (355) (336) (400) (306) (204) (177) (156) (142) (132) (119) (110) (99.5) (88.4) (79.2) (69.5) (62.4) (55.1)
Other Financing Activities (253) (261) (255) (157) (146) (177) (131) (150) (126) (75) 44 41 16 118 17 (2) (2) 10.3 6.5 3.4 4.1 3.7 7.1
Financing Cash Flow (973) (877) (801) (994) (685) (798) (546) (603) (614) (414) (221) (7) (195) (66) (148) (136) (211) 25.5 (124.2) (43.7) 26.2 (8.1) (31.7)
Cash Position
Net Change in Cash 448 76 (357) 125 239 133 (17) 127 (120) 233 (187) 215 (21) 64 33 (291) 281 (21.6) 20.2 39.9 (28.2) 0.1 (1.9)
Cash at Beginning 983 907 1,264 1,139 900 767 784 657 777 544 306 91 112 48 60 339.6 58.6 80.2 59.9 20.0 48.3 48.1 50
Cash at End 1,431 983 907 1,264 1,139 900 767 784 657 777 119 306 91 112 93 60.3 339.6 58.6 80.2 59.9 20.0 48.3 18.3
Free Cash Flow 3,092 2,627 2,034 2,037 1,966 1,471 1,184 1,161 1,036 1,090 761 790 778 640 525 312.9 585.7 225.8 410.5 289.8 374.6 314.5 355.6
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 12,631 11,337 10,013 6,563 9,626 7,536 7,924 5,407 5,732 5,449 5,142 4,945 4,531 4,111 3,803 3,772 3,903 3,824 4,259 4,550 3,767 3,614 3,181 2,843 2,561 2,331 2,128 2,054.3 1,942.4 1,808.7 1,655.7 1,512.5 1,442.2
Gross Profit 6,331 5,600 4,739 1,544 5,717 3,402 4,286 1,917 2,342 2,342 2,334 2,089 2,026 1,789 1,279 1,592 1,661 1,648 2,305 2,443 1,875 1,798 1,336 1,074 925 783 891 844.5 895.2 729.6 701.5 617.1 616.4
Operating Income 2,980 2,858 2,276 (694) 3,698 1,499 2,472 251 730 812 881 721 714 566 173 498 582 540 1,192 1,329 823 800 480 279 221 109 322 307.1 394.6 282.4 295.2 249.3 267.0
Net Income 2,393 2,292 1,843 (487) 2,968 1,216 1,997 287 1,045 591 634 525 517 421 164 375 432 429 855 930 602 584 374 238 193 118 255 241.6 299.4 223.8 227.3 201.2 216.0
EPS (Diluted) 15.17 14.53 11.66 -3.06 18.10 7.49 12.10 1.74 6.29 3.55 3.83 3.18 3.12 2.57 1.02 2.31 2.65 2.62 4.97 5.30 3.40 3.28 2.10 1.32 1.08 0.66 1.38 1.28 1.61 1.19 1.21 1.07 1.15
Balance Sheet
Cash & Equivalents 1,431 983 907 1,264 1,139 900 767 784 657 777 557 1,009 306 91 112 48 60 339.6 58.6 80.2 59.9 20.0 48.3 48.1
Total Assets 41,002 36,501 32,769 29,732 31,387 27,542 25,408 21,935 21,843 20,386 14,440 13,369 16,107 15,509 14,059 13,914 13,287 11,807.7 11,086.5 9,493.4 7,045.5 6,109.3 4,734.3 4,602.3
Total Debt 886 875 874 891 897 899 884 866 851 846 839 840 791 603 603 609 619.2 574.4 471.5 339.0 341.9 301.0 209.1 158.1
Stockholders' Equity 15,911 13,935 12,098 10,562 13,105 10,789 9,864 7,833 8,243 7,060 4,760 4,182 6,249 6,204 5,598 5,998 5,995.0 5,421.3 5,620.9 4,717.0 3,162.9 2,658.0 1,940.0 1,947.3
Cash Flow
Operating Cash Flow 3,112 2,649 2,052 2,052 1,981 1,491 1,208 1,181 1,052 1,103 805 823 816 667 540 356.6 697 273.6 427.0 308.3 389.5 328.5 363.2
Capital Expenditure (20) (22) (18) (15) (15) (20) (24) (20) (16) (13) (44) (33) (38) (27) (15) (43.7) (102.1) (47.8) (16.5) (18.6) (10.8) (11.4) (7.6)
Free Cash Flow 3,092 2,627 2,034 2,037 1,966 1,471 1,184 1,161 1,036 1,090 761 790 778 640 525 312.9 585.7 225.8 410.5 289.8 374.6 314.5 355.6