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MARKETS / NASDAQ / CINF
NASDAQ · FIRE, MARINE & CASUALTY INSURANCE · LARGE CAP

Cincinnati Financial Corp. CINF

18 fiscal years on record · USD · FY2025 reported · SEC filings only
7 YEARS OF DIVIDEND GROWTH
$12.6B
▲ 11.4% YoY
$2.4B
▲ 4.4% YoY
$3.1B
▲ 17.7% YoY
In brief

What this company does

Cincinnati Financial Corporation markets property casualty insurance through independent insurance agencies in 46 states. At the end of 2025, the company employed 5,705 associates, including 3,400 headquarters associates who provide support to 2,195 field associates and 110 associates at Cincinnati Global. Its consolidated financial results primarily reflect five reporting segments: commercial lines insurance, personal lines insurance, excess and surplus lines insurance, life insurance, and investments. In 2025, its commercial lines insurance segment contributed net earned premiums of $4.863 billion, representing 38.5% of consolidated total revenues. Its personal lines insurance segment contributed net earned premiums of $3.199 billion to 2025 consolidated total revenues, or 25.3% of the total, and reported a loss before income taxes of $111 million. Its excess and surplus lines segment contributed net earned premiums of $698 million to 2025 consolidated total revenues, or 5.5% of the total, and reported profit before income taxes of $85 million. Cincinnati Financial Corporation is an Ohio corporation formed in 1968. Its lead subsidiary, The Cincinnati Insurance Company, was founded in 1950.

Written from the business description in CINCINNATI FINANCIAL CORP's annual report to the U.S. Securities and Exchange Commission, filed 23 February 2026. Every sentence was checked against that document before publication.

Growth
USD 12.6B
Revenue, FY2025 · full 18-year series below
Revenue $B Net income $B
FY2025 · Revenue 12.6 · Net income 2.4
5B10B2008201120142017202020232025
Compound annual growth
+24.4%
+10.9%
+9.4%
+8.4%
+14.5%
+14.2%
+13.2%
+15.2%
+14.8%
+13.4%
+8.0%
+7.7%
+4.2%
+5.4%
−4.4%
+2.7%
+6.2%
+7.0%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +10.9% a year over five years — but profit grew faster: net income at +14.5%, earnings per share at +15.2%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
19 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 23.6% · Net 18.9%
10%20%30%-5%-10%2008201120142017202020232025
ROE
FY2025 · ROE 16.0%
10%20%-2%-4%2008201120142017202020232025

Each USD of equity produced 16 cents of profit this year.

Cash & shareholders
USD 720.0M
returned in FY2025 · dividends + net buybacks
Free cash flow $B
FY2025 · FCF 3.1
2B2008201120142017202020232025
Net buybacks $M Dividends $M
FY2025 · Dividends 525.0 · Net buybacks 195.0
400M800MDividendsNet buybacks2008201120142017202020232025

USD 525.0M in dividends and USD 195.0M in buybacks — 30% of the year's profit went back to shareholders.

Total assetsUSD 41.0B
EquityUSD 15.9B
CashUSD 1.4B
Gross debtUSD 790.0M
Net debtUSD -641.0M

The company holds more cash than debt.

The 18-year record
18 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 202520242023202220212020201920182017201620152014201320122011201020092008
Revenue $B12.611.310.06.69.67.57.95.45.75.45.14.94.54.13.83.83.93.8
Operating income $B3.02.92.3−0.73.71.52.5···········
EBITDA $B3.02.92.3−0.73.71.52.5···········
Income tax $B0.60.60.4−0.20.70.30.5−0.0−0.30.20.20.20.20.10.00.10.10.1
Net income $B2.42.31.8−0.53.01.22.00.31.00.60.60.50.50.40.20.40.40.4
Free cash flow $B3.12.62.02.02.01.51.21.21.01.11.10.90.80.60.20.50.50.4
EPS, diluted $15.1714.5311.66−3.0618.247.4912.101.756.293.553.833.183.122.571.012.302.652.62
Dividend / sh $3.483.243.002.762.522.402.242.122.501.922.301.761.661.621.601.591.57·
Payout %222125−87133118117385258535161155675858
ROE %16.017.616.3−4.225.211.822.63.613.78.89.88.39.08.03.37.79.710.3
Shares out B······0.200.200.200.200.200.200.200.200.20···

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 52 reconciliationsAUDITED

Reconciled in 18 of 19 fiscal years. 5 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityFire, Marine & Casualty Insurance
Listed onNASDAQ
Incorporated inOhio
Fiscal year endsDecember 31
Data on record since2008

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