Cincinnati Financial/$CINF

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About Cincinnati Financial

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, home, and automotive insurance within their communities. These agents offer the company's personal lines as well as its standard market, excess, and surplus commercial line policies in many regions in the United States. Cincinnati Financial also offers leasing and financing services. The company operates in segments: Commercial lines insurance, Personal lines insurance, and Excess and surplus lines insurance, Life insurance, and Investments. The vast majority of the company's revenue is generated through commercial lines, followed by personal lines.

Ticker

$CINF
Sector
Primary listing

Employees

5,624

CINF Metrics

BasicAdvanced
$24B
13.21
$11.53
0.77
$3.36
2.28%

What the Analysts think about CINF

Analyst ratings (Buy, Hold, Sell) for Cincinnati Financial stock.

Bulls say / Bears say

Cincinnati Financial’s Q2 2025 net income rose more than twofold to $685 million, fueled by a 15 % increase in earned premiums reaching $2.48 billion and an 18 % rise in investment income to $285 million, demonstrating strong underwriting and investment results. (Reuters)
Policy demand stayed strong in Q2 2025, as earned premiums jumped 15 % year-over-year despite economic uncertainty and trade tensions, signaling steady consumer and business appetite for insurance. (Reuters)
Cincinnati Financial’s stock is up nearly 4 % year-to-date through Q2 2025, beating the S&P 500 insurance index’s 2.3 % gain, reflecting investor confidence in its growth prospects and risk controls. (Reuters)
Cincinnati Financial posted a Q1 2025 net loss of $90 million after taking a $356 million after-tax hit from California wildfire catastrophe losses and recording a $536 million drop in net investment gains, highlighting the company's vulnerability to natural disasters and market swings. (Reuters)
After reporting Q1 2025 results, Cincinnati Financial shares are down 5.5 % in 2025, as investors question the effect of higher catastrophe losses and slower earnings momentum. (Reuters)
In Q1 2025, the consolidated property & casualty combined ratio hit 113.3 %, causing an underwriting loss of $298 million and showing significant pressure on underwriting performance due to catastrophe events. (SEC Filing)
Data summarised monthly by Lightyear AI. Last updated on 6 Sept 2025.

CINF Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

CINF Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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