Fundamental analysis · SEC EDGAR · TTM through 31/03/2026

Fundamental analysis of Cincinnati Financial Corp

CINF · Nasdaq · Financial

Fundamental quality

ATTRACTIVE

83

out of 100

Breakdown by area

I.GrowthEPS growth: 4.4% · Revenue growth: 23.2%
70
II.ProfitabilityNet margin: 21.3% · ROE: 17.5%
84
III.Financial healthFCF: 26.6%
95

Source: SEC EDGAR · TTM through 31/03/2026

The score combines growth, profitability and financial strength. Here its financial strength weighs in its favor, while its growth drags it down the most.

Strengths

  • High net margin (21.3%), a sign of a very profitable business.
  • Growing revenue (23.2% annualized).
  • Strong free-cash-flow generation (FCF margin of 26.6%).

Risks and weaknesses

  • No clear weaknesses in the recent fundamentals, though the system doesn't assess qualitative factors (competition, regulation, management).

Historical evolution

YearRevenueNet incomeFree cash flowNet debt
20219,6262,9681,966-350
20226,563-4872,037-475
202310,0131,8432,034-117
202411,3372,2922,627-193
202512,6312,3933,092-641

Between 2021 and 2025, revenue went from $9,626M to $12,631M (+31%) and net income went from $2,968M to $2,393M (-19%).

Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.

Frequently asked questions

Is Cincinnati Financial Corp a profitable company?

Yes. Cincinnati Financial Corp shows a net margin of 21.3% and an ROE of 17.5%, a sign of a profitable business.

Is Cincinnati Financial Corp growing?

Its revenue has grown 23.2% annualized in recent years and its earnings per share 4.4%.

Does Cincinnati Financial Corp generate cash?

Yes. It converts about 26.6% of its revenue into free cash flow.

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.

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).

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