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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.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 2980.00M | 2858.00M | 2276.00M | -693.00M | 3670.00M |
| Net income | 2393.00M | 2292.00M | 1843.00M | -486.00M | 2946.00M |
| Selling general administrative | 3365.00M | - | - | - | - |
| Gross profit | 6331.00M | 5600.00M | 4739.00M | 6557.00M | 9630.00M |
| Ebit | 3033.00M | 2911.00M | 2330.00M | -279.00M | 3670.00M |
| Ebitda | 3201.00M | 3041.00M | 2442.00M | 361.00M | -53.00M |
| Depreciation and amortization | 168.00M | 130.00M | 112.00M | 640.00M | -3723.00M |
| Operating income | 2980.00M | 2858.00M | 2276.00M | -640.00M | 3723.00M |
| Other operating expenses | 9665.00M | 8479.00M | 7737.00M | 7197.00M | 5907.00M |
| Interest expense | 5.30M | 53.00M | 54.00M | - | 0.00M |
| Income tax expense | 587.00M | 566.00M | 433.00M | 207.00M | 724.00M |
| Total revenue | 12631.00M | 11337.00M | 10013.00M | 6557.00M | 9630.00M |
| Total operating expenses | 3365.00M | 2742.00M | 2463.00M | 7197.00M | 5907.00M |
| Cost of revenue | 6300.00M | 5737.00M | 5274.00M | - | - |
| Total other income expense net | - | -53.00M | -54.00M | -53.00M | -53.00M |
| Net income applicable to common shares | - | - | - | -486.00M | 2946.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 41002.00M | 36501.00M | 32769.00M | 29736.00M | 31387.00M |
| Intangible assets | - | 31.00M | 31.00M | 1045.00M | 936.00M |
| Other current assets | -3142.00M | -21297.00M | -18241.00M | 837.00M | 749.00M |
| Total liab | 25091.00M | 22566.00M | 20671.00M | 789.00M | 789.00M |
| Total stockholder equity | 15911.00M | 13935.00M | 12098.00M | 10531.00M | 13105.00M |
| Other current liab | 836.00M | -25.00M | -25.00M | 3829.00M | 3393.00M |
| Common stock | 397.00M | 397.00M | 397.00M | 397.00M | 397.00M |
| Retained earnings | 16719.00M | 14869.00M | 13084.00M | 11702.00M | 12625.00M |
| Other liab | - | - | - | 11433.00M | 11365.00M |
| Good will | - | 30.00M | 30.00M | 30.00M | 30.00M |
| Other assets | 39571.00M | 36501.00M | 32769.00M | 27195.00M | 29077.00M |
| Cash | 1431.00M | 983.00M | 907.00M | 1264.00M | 1139.00M |
| Total current liabilities | 861.00M | 25.00M | 8424.00M | 6949.00M | 6092.00M |
| Net debt | -545.00M | -108.00M | -33.00M | -1264.00M | -1139.00M |
| Short term debt | 25.00M | 25.00M | 25.00M | - | - |
| Short long term debt total | 886.00M | 875.00M | 874.00M | - | - |
| Other stockholder equity | -1171.00M | -1022.00M | -948.00M | -1568.00M | 83.00M |
| Property plant equipment | - | - | - | 202.00M | 205.00M |
| Total current assets | 1431.00M | 983.00M | 962.00M | 1264.00M | 1139.00M |
| Net tangible assets | - | - | - | 10470.00M | 13105.00M |
| Short term investments | - | 16480.00M | 13791.00M | - | - |
| Net receivables | 3142.00M | 3834.00M | 3543.00M | 2414.00M | 2151.00M |
| Inventory | - | - | -18241.00M | - | - |
| Accounts payable | - | - | - | 3052.00M | 2627.00M |
| Accumulated other comprehensive income | -34.00M | -309.00M | -435.00M | - | - |
| Non currrent assets other | -32983.00M | -27940.00M | -25049.00M | -1277.00M | -1171.00M |
| Non current assets total | - | 27879.00M | 31862.00M | 1277.00M | 1171.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | - | - | -925.00M | -1040.00M |
| Change to liabilities | - | - | - | 418.00M | 311.00M |
| Total cashflows from investing activities | -1691.00M | -1696.00M | -1608.00M | -933.00M | -1057.00M |
| Net borrowings | - | - | - | -4.00M | -4.00M |
| Total cash from financing activities | -973.00M | -877.00M | -801.00M | -994.00M | -685.00M |
| Change to operating activities | - | - | - | 1192.00M | 694.00M |
| Net income | 2393.00M | 2292.00M | 1843.00M | -486.00M | 2946.00M |
| Change in cash | 448.00M | 76.00M | -357.00M | 125.00M | 239.00M |
| Begin period cash flow | 983.00M | 907.00M | 1264.00M | 1139.00M | 900.00M |
| End period cash flow | 1431.00M | 983.00M | 907.00M | 1264.00M | 1139.00M |
| Total cash from operating activities | 3112.00M | 2649.00M | 2052.00M | 2052.00M | 1981.00M |
| Depreciation | 168.00M | 130.00M | 112.00M | 127.00M | 118.00M |
| Other cashflows from investing activities | -30.00M | -15.00M | -15.00M | - | - |
| Dividends paid | 525.00M | 490.00M | 454.00M | 423.00M | 395.00M |
| Change to account receivables | - | -266.00M | -264.00M | -340.00M | -240.00M |
| Sale purchase of stock | -205.00M | -126.00M | -67.00M | -410.00M | -144.00M |
| Other cashflows from financing activities | -253.00M | -261.00M | -255.00M | -161.00M | -146.00M |
| Change to netincome | - | - | - | 1181.00M | -1798.00M |
| Capital expenditures | 20.00M | 22.00M | 18.00M | 15.00M | 15.00M |
| Change in working capital | 1629.00M | 1433.00M | 937.00M | -340.00M | -240.00M |
| Stock based compensation | 37.00M | 51.00M | 40.00M | 36.00M | 32.00M |
| Other non cash items | -1361.00M | -1323.00M | -1063.00M | 2715.00M | -875.00M |
| Free cash flow | 3092.00M | 2627.00M | 2034.00M | 2037.00M | 1966.00M |
|
Stock Name
|
Change
(GBX) |
Price
(GBX) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
|---|---|---|---|---|---|---|
| 0HYE Cincinnati Financial Corp. |
4.41 2.49% |
181.50 | 0.13 | - | 2.08 | - |
| 0R15 SoftBank Group Corp. |
248.00 5.84% |
4494.00 | - | - | - | - |
| 0R1E Nintendo Co. Ltd. |
-115.00 1.34% |
8476.00 | - | - | - | - |
| 0LC3 Synchrony Financial |
2.34 3.20% |
75.60 | 0.09 | - | 4.97 | - |
| 0HQP CBRE Group Inc. Cl A |
0.15 0.12% |
122.47 | 0.25 | - | 1.18 | - |
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.
6200 South Gilmore Road, Fairfield, OH, United States, 45014-5141
513 870 2000
5705
| Name | Title | Year Born |
|---|---|---|
| Mr. Steven Justus Johnston C.F.A., CERA, CFA, FCAS, MAAA | Chairman & CEO | 1960 |
| Mr. Stephen Michael Spray | Pres | 1966 |
| Mr. Michael James Sewell CPA, CPA | CFO, Principal Accounting Officer, Exec. VP & Treasurer | 1964 |
| Mr. John Scott Kellington | Chief Information Officer & Exec. VP of The Cincinnati Insurance Company | 1962 |
| Mr. Dennis E. McDaniel C.M.A., C.P.A., C.P.C.U., CFM, CMA, CPA, CPCU | VP & Investor Relations Officer | 1960 |
| Ms. Lisa Anne Love Esq. | Exec. VP, Chief Legal Officer & Corp. Sec. | 1960 |
| Betsy E. Ertel C.P.C.U. | VP of Corp. Communications | NA |
| Mr. Gregory Ziegler | HR Director | NA |
| Ms. Teresa Currin Cracas Esq. | Chief Risk Officer & Exec. VP of The Cincinnati Insurance Company | 1966 |
| Mr. Donald Joseph Doyle Jr., C.P.C.U., CPCU, AIM | Sr. VP of The Cincinnati Insurance Company | 1967 |
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