Cincinnati Financial Corp (CINF) Financial Statements
Historical financial data — 42 statements covering FY2016–FY2025
Cincinnati Financial Corp is a property and casualty insurance company that generates income through written premiums. A select group of independent agencies actively markets the company's business...
Cincinnati Financial Corp's revenue increased 11.4% year over year, from $11.34B to $12.63B.
Net income increased 4.4% over the same period, from $2.29B to $2.39B.
Over the 9-year period from FY2016 to FY2025, revenue grew by 132% in total.
Total debt remained relatively stable at $861.0M.
The debt-to-equity ratio stands at 0.05, indicating a conservative leverage profile.
Operating cash flow grew 17.5% to $3.11B.
Cincinnati Financial Corp maintains a healthy net profit margin of 18.9%.
Recent Financial Statements
Quarterly figures are standalone quarters, de-cumulated from YTD filings (Q4 = FY − Q3 YTD when not reported).
| Period | Revenue | Net Income | EBIT | Op. Cash Flow | Total Assets | Total Debt | Equity |
|---|---|---|---|---|---|---|---|
| Q3 FY2024 | $3.32B+30.5% | $820.0M | $1.04B | $912.0M | $37.01B | $849.0M | $13.80B |
| Q4 FY2024 | $2.54B-23.6% | $405.0M | $479.0M | $642.0M | $36.50B | $850.0M | $13.94B |
| Q1 FY2025 | $2.57B+1.1% | $-90.0M | $-128.0M | $310.0M | $37.28B | $853.0M | $13.72B |
| Q2 FY2025 | $3.25B+26.6% | $685.0M | $855.0M | $741.0M | $38.84B | $859.0M | $14.30B |
| Q3 FY2025 | $3.73B+14.7% | $1.12B | $1.41B | $1.11B | $40.57B | $858.0M | $15.41B |
| Q4 FY2025 | $3.09B-17.0% | $676.0M | $840.0M | $947.0M | $41.00B | $861.0M | $15.91B |
| Q1 FY2026 | $2.86B-7.4% | $274.0M | $326.0M | $656.0M | $41.21B | $884.0M | $15.71B |
| Q2 FY2026 | $4.27B+49.3% | $1.25B | $1.60B | $700.0M | $43.23B | $876.0M | $16.67B |
Balance Sheet Summary (Q2 FY2026)
Cincinnati Financial Corp (CINF) Financial Statements & Revenue History
Cincinnati Financial Corp (CINF) is a US-listed stock operating in the Financial Services sector, specifically the Fire, Marine & Casualty Insurance industry trading at $170.77 with a market capitalization of $26. This page provides 42 historical financial statements for Cincinnati Financial Corp, including income statement, balance sheet, and cash flow data across multiple reporting periods. Most recently, Cincinnati Financial Corp reported revenue of $12.6 billion, representing 11.4% year-over-year growth. The net profit margin of 18.9% reflects strong profitability. The debt-to-equity ratio of 0.05 shows conservative leverage.
CINF Income Statement, Balance Sheet & Cash Flow
The financial statements table above shows Cincinnati Financial Corp's revenue, net income, gross profit, EBIT, operating cash flow, total assets, total debt, and shareholders' equity across the most recent reporting periods. Year-over-year growth rates help identify whether CINF is accelerating or decelerating in terms of top-line revenue and bottom-line profitability.
- Revenue trend: Track CINF's top-line growth across quarters and fiscal years to identify acceleration or deceleration in the business.
- Profitability: Net income and gross profit margins reveal how efficiently Cincinnati Financial Corp converts revenue into earnings.
- Balance sheet health: Total assets, liabilities, debt, and equity provide a snapshot of CINF's financial position and leverage.
- Cash flow: Operating cash flow shows how much cash the business generates from its core operations, which is critical for funding dividends, buybacks, and growth.
How to Use CINF Financial Data
Investors use Cincinnati Financial Corp's financial statements to assess the company's financial health, growth trajectory, and valuation. Key metrics to focus on include:
- Revenue growth rate: Consistent double-digit revenue growth suggests a strong business; declining revenue may signal competitive pressure.
- Net profit margin: Higher margins indicate a more efficient business with pricing power. Compare CINF's margins to sector peers for context.
- Debt levels: High debt-to-equity ratios increase financial risk, especially in rising-rate environments. Low debt provides flexibility.
- Valuation multiples: See how CINF's P/E, P/S, and EV/EBITDA ratios compare to historical levels.
- Full analysis: View CINF's financial health score, earnings, and pre-market pricing.
Financial data is sourced from Cincinnati Financial Corp's SEC filings (10-K, 10-Q) via Polygon.io and Finnhub.CINF trades on NYSE. This page is for informational purposes only and is not financial advice.