Cincinnati Financial Corp Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $14B+23.1% YoYTTM through 30 Jun 2026
Net Income $763M-66.7% YoYTTM through 30 Jun 2026
Free Cash Flow $3.4BTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 29.8% |
| Net Margin | 5.5% |
Returns
4.6%ROE
1.8%ROA
4.9%ROIC
Balance Sheet Health
Debt / Equity0.05x
Net Debt-$959Mnet cash position
Cash & Equivalents$1.8B
Quality Metrics
Piotroski F-Score6 / 9
FCF Margin24.4%
Earnings-Beat Rate100.0%
Multi-Year Trend
RevenueFY2025: $12.6B
Diluted EPS$21.18TTMFY2025: $15.17
Dividend
$2.75Per share, FY20261.66%Yield+2.0%5-yr growth
Capital Allocation
Capex Intensity0.1%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Commercial Lines Insurance | $4.9B | +8.0% | View detailsFocus on improving pricing precision and underwriting profitability through predictive analytics. |
| Personal Lines Insurance | $3.2B | +22.0% | View detailsPrioritizing profitability, underwriting terms, risk selection, and catastrophe management to improve margins. |
| Life Insurance | $330M | +3.0% | View detailsSteady growth of in-force policy face amounts. |
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