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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

Cincinnati Financial Corporation (CINF)

Financial Services Insurance - Property & Casua
180.40 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
27.0Mrd. $
Shares Outstanding
155Mio.
Float
98.1%
Beta
0.6

Performance

Perf. 1M
17.00%
Perf. 3M
21.80%
Perf. 6M
13.50%
YTD Performance (%)
8.90%
52-Week-High Distance
-1.8%

Valuation

P/E
10.5
Forward P/E
22.4
PEG
2.2
P/B
1.8
P/S
2.1
EV/EBITDA
0.0
Price/FCF
7.8

Profitability

Gross Margin
27.9%
EBIT Margin
11.8%
Net Margin
21.3%
Return on Equity
18.7%
Return on Assets
5.6%

Balance Sheet & Safety

Equity Ratio
38.1%
Debt/Equity
0.1
Altman Z
3.71
Piotroski
7 von 9

Growth

Sales Growth Last Quarter
11.60%
EPS Growth Last Quarter
67.30%
Sales Growth (Year)
11.41%
Forward Sales Growth
6.74%
Forward EPS Growth
4.70%

Dividend

Dividend Yield
1.96%
Dividend Per Share (TTM)
3.62$
Payout Ratio
35.2%
Years Without a Cut
7Years
Increase Streak
7Years

Quality & Screener

Stage
2
RS Rating
54
EPS Rating
81
Piotroski
7 von 9
Fundamental Rating
B (+15 von 100)
Altman Z
3.71

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Sales Per Quarter ($M)
2024: Q4 · 2,538.0 Mio. $ Q4 2025: Q1 · 2,566.0 Mio. $ Q1 2025: Q2 · 3,248.0 Mio. $ Q2 2025: Q3 · 3,726.0 Mio. $ Q3 2025: Q4 · 3,085.0 Mio. $ Q4 2026: Q1 · 2,863.0 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 2.57 $ Q4 2025: Q1 · -0.58 $ Q1 2025: Q2 · 4.34 $ Q2 2025: Q3 · 7.11 $ Q3 2025: Q4 · 4.29 $ Q4 2026: Q1 · 1.75 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 16.0 % Q4 2025: Q1 · -3.5 % Q1 2025: Q2 · 21.1 % Q2 2025: Q3 · 30.1 % Q3 2025: Q4 · 21.9 % Q4 2026: Q1 · 9.6 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 642.0 Mio. $ Q4 2025: Q1 · 310.0 Mio. $ Q1 2025: Q2 · 741.0 Mio. $ Q2 2025: Q3 · 1,114.0 Mio. $ Q3 2025: Q4 · 947.0 Mio. $ Q4 2026: Q1 · 656.0 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 638.0 Mio. $ Q4 2025: Q1 · 307.0 Mio. $ Q1 2025: Q2 · 737.0 Mio. $ Q2 2025: Q3 · 1,121.0 Mio. $ Q3 2025: Q4 · 937.0 Mio. $ Q4 2026: Q1 · 654.0 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · -24.4 % Q4 2025: Q1 · -12.6 % Q1 2025: Q2 · 27.7 % Q2 2025: Q3 · 12.2 % Q3 2025: Q4 · 21.6 % Q4 2026: Q1 · 11.6 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · -65.7 % Q4 2025: Q1 · -112.0 % Q1 2025: Q2 · 119.1 % Q2 2025: Q3 · 36.7 % Q3 2025: Q4 · 66.9 % Q4
Price Change in Quarter (%)
2024: Q4 · 6.2 % Q4 2025: Q1 · 3.4 % Q1 2025: Q2 · 1.4 % Q2 2025: Q3 · 6.8 % Q3 2025: Q4 · 3.8 % Q4 2026: Q1 · -3.1 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 2.57 -65.70 2,538 -24.40 16.00 642 638
2025: Q1 -0.58 -112.00 2,566 -12.60 -3.50 310 307
2025: Q2 4.34 119.10 3,248 27.70 21.10 741 737
2025: Q3 7.11 36.70 3,726 12.20 30.10 1,114 1,121
2025: Q4 4.29 66.90 3,085 21.60 21.90 947 937
2026: Q1 1.75 2,863 11.60 9.60 656 654
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Cincinnati Financial Corporation bietet Sach- und Haftpflichtversicherungsprodukte in den USA an. Das Unternehmen ist in fünf Segmenten tätig: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance und Investments.

Employees5,705
HeadquartersFairfield, OH
Websitecinfin.com
IPO Date26. Mar 1990
Next Earnings27. Jul 2026

Management

Management
Name Title Birth Year
Steven Justus Johnston C.F.A., CERA, FCAS, MAAA Executive Chairman 1960
Stephen Michael Spray President, CEO & Director 1966
Michael James Sewell CPA CFO, Principal Accounting Officer, Executive VP & Treasurer 1964
Teresa Currin Cracas Esq. Chief Risk Officer & Executive VP of The Cincinnati Insurance Company 1966
John Scott Kellington Chief Information Officer & Executive VP of The Cincinnati Insurance Company 1962
Steven Anthony Soloria C.F.A., C.P.C.U. Executive VP & Chief Investment Officer 1967
Dennis E. McDaniel C.M.A., CPA, C.P.C.U., CFM VP & Investor Relations Officer 1960
Thomas Christopher Hogan Esq. Executive VP, Chief Legal Officer & Company Secretary 1993
Betsy E. Ertel C.P.C.U. Vice President of Corporate Communications
Donald Joseph Doyle Jr., AIM, C.P.C.U. Senior Vice President of The Cincinnati Insurance Company 1967

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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