Fundamental analysis · SEC EDGAR · TTM through 30/09/2026
CINF · Nasdaq · Financial
Fundamental quality
86
out of 100
Cincinnati Financial Corp earns a fundamental-quality score of 86 out of 100, profiling it as a company with solid fundamentals. Its score rests mainly on its financial strength (FCF margin 23.2%). Its weakest area is its growth (revenue +10.4%/yr). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
Cincinnati Financial is the property insurer of quiet America: commercial and home policies sold only through local independent agents, with whom it cultivates decades-long relationships. More than sixty years of dividend raises, one of the longest records on the entire market.
EPS growth: 15.4% · Revenue growth: 10.4%
Net margin: 20.1% · ROE: 16.5%
FCF: 23.2%
Source: SEC EDGAR · TTM through 30/09/2026
The score includes +4 for dividend strength: 65 consecutive years of increases. Keeping that streak demands growing cash generation and balance-sheet discipline.
The score combines growth, profitability and financial strength. Here its financial strength weighs in its favor, while its growth drags it down the most.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 7,536 | 1,216 | 1,471 | -112 |
| 2021 | 9,626 | 2,968 | 1,966 | -350 |
| 2022 | 6,563 | -487 | 2,037 | -475 |
| 2023 | 10,013 | 1,843 | 2,034 | -117 |
| 2024 | 11,337 | 2,292 | 2,627 | -193 |
| 2025 | 12,631 | 2,393 | 3,092 | -641 |
Between 2020 and 2025, revenue went from $7,536M to $12,631M (+68%) and net income went from $1,216M to $2,393M (+97%). Meanwhile, its margins have widened (from 16% to 19%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the nine months ended September 30, 2026, versus the nine months ended September 30, 2025 (SEC filings):
Compared with the previous close (June 30, 2026), this is what moved in its accounts:
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
$3.48
per share, yearly
21.9% of earnings
Payout
65 straight years raising it
Growth
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
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Is Cincinnati Financial Corp cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is Cincinnati Financial Corp a good company to invest in?
In terms of business quality, Cincinnati Financial Corp scores 86 out of 100 in our analysis, placing it as a company of high fundamental quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is Cincinnati Financial Corp a profitable company?
Very. Cincinnati Financial Corp shows a net margin of 20.1% and an ROE of 16.5%, typical of a highly profitable business.
Is Cincinnati Financial Corp growing?
Its revenue has grown 10.4% annualized in recent years and its earnings per share 15.4%.
Does Cincinnati Financial Corp generate cash?
Yes. It converts about 23.2% of its revenue into free cash flow, and has done so positively year after year.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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Who's behind the methodology and model · how the score is computed
Data: see Cincinnati Financial Corp's filings on EDGAR
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