Cincinnati Financial Financial Ratios
NASDAQ: CINFFinanceProperty-Casualty InsurersUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Cincinnati Financial ratio analysis
Cincinnati Financial earned a net margin of 18.9% in FY 2025, down from 20.2% a year earlier. Return on equity reached 15.0%, meaning Cincinnati Financial generated 0.15 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.05 versus 0.06 the year before.
At the end of FY 2025, CINF traded at 10.6 times earnings; across the 9 fiscal years shown, its year-end P/E ranged from 6.2 to 43.4, with a median of 10.6. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Cincinnati Financial financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 10.65 | 9.78 | 8.87 | — | 6.25 | 11.66 | 8.80 | 43.37 | 11.92 | 21.34 |
| Price / sales | 2.00 | 1.96 | 1.62 | 2.48 | 1.91 | 1.87 | 2.19 | 2.29 | 2.15 | 2.29 |
| Price / book | 1.58 | 1.59 | 1.34 | 1.54 | 1.44 | 1.31 | 1.76 | 1.58 | 1.49 | 1.76 |
| Net margin | 18.9% | 20.2% | 18.4% | -7.4% | 30.8% | 16.1% | 25.2% | 5.3% | 18.2% | 10.8% |
| Free cash flow margin | 24.5% | 23.2% | 20.3% | 31.0% | 20.4% | 19.5% | 14.9% | 21.5% | 18.1% | 20.2% |
| Return on equity (ROE) | 15.0% | 16.4% | 15.2% | -4.6% | 23.3% | 11.3% | 20.2% | 3.7% | 12.7% | 8.4% |
| Return on assets (ROA) | 5.8% | 6.3% | 5.6% | -1.6% | 9.5% | 4.4% | 7.9% | 1.3% | 4.8% | 2.9% |
| Debt / equity | 0.05 | 0.06 | 0.07 | 0.08 | 0.07 | 0.08 | 0.09 | 0.11 | 0.10 | 0.12 |
| Revenue growth | 11.4% | 13.2% | 52.6% | -31.8% | 27.7% | -4.9% | 46.6% | -5.7% | 5.2% | 6.0% |
| EPS growth | 4.4% | 24.6% | — | -116.8% | 143.5% | -38.1% | 591.4% | -72.2% | 77.2% | -7.3% |