CINCINNATI FINANCIAL CORP
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CINF FY 2025 request
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Pick an endpoint and run the request.Income Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Premiums Earned Net | 9,983 | 8,889 | +12.3% |
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| Commercial Insurance · Operating Segments | 4,863 | 4,486 | +8.4% |
| Consolidated Property And Casualty Insurance Entity | 9,653 | 8,568 | +12.7% |
| Excess and Surplus Lines Insurance · Operating Segments | 698 | 615 | +13.5% |
| Life Insurance Segment | 330 | 321 | +2.8% |
| Life Insurance Segment · Operating Segments | 330 | 321 | +2.8% |
| Personal Insurance · Operating Segments | 3,199 | 2,623 | +22.0% |
| Property, Liability and Casualty Insurance | 9,653 | 8,568 | +12.7% |
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| Excess and Surplus Lines Insurance | 698 | 615 | +13.5% |
| Personal Insurance | 3,199 | 2,623 | +22.0% |
| Property And Casualty Commercial Insurance Product Line | 4,863 | 4,486 | +8.4% |
| Reinsurance assumed and other non segment | 893 | 844 | +5.8% |
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| Corporate Non Segment | 893 | 844 | +5.8% |
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| Affiliated Entity | 60 | 55 | +9.1% |
| Net Investment Income | 1,165 | 1,025 | +13.7% |
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| Investments Segment · Operating Segments | 1,165 | 1,025 | +13.7% |
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| Parent Company | 112 | 122 | -8.2% |
| Realized Investment Gains Losses | 1,442 | 1,391 | +3.7% |
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| Parent Company | 478 | 644 | -25.8% |
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| Debt Securities | -25 | -116 | +78.4% |
| Equity Securities | 1,435 | 1,456 | -1.4% |
| Insurance Commissions And Fees | 20 | 17 | +17.6% |
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| Commercial Insurance · Operating Segments | 5 | 4 | +25.0% |
| Excess and Surplus Lines Insurance · Operating Segments | 4 | 3 | +33.3% |
| Life Insurance Segment · Operating Segments | 6 | 5 | +20.0% |
| Personal Insurance · Operating Segments | 5 | 5 | 0.0% |
| Other Income | 21 | 15 | +40.0% |
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| Parent Company | 15 | 15 | 0.0% |
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| Corporate Non Segment | 21 | 15 | +40.0% |
| Revenue | 12,631 | 11,337 | +11.4% |
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| Commercial Insurance · Operating Segments | 4,868 | 4,490 | +8.4% |
| Excess and Surplus Lines Insurance · Operating Segments | 702 | 618 | +13.6% |
| Investments Segment · Operating Segments | 2,607 | 2,416 | +7.9% |
| Life Insurance Segment · Operating Segments | 336 | 326 | +3.1% |
| Personal Insurance · Operating Segments | 3,204 | 2,628 | +21.9% |
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| Parent Company | 605 | 781 | -22.5% |
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| Operating Segments | 11,717 | 10,478 | +11.8% |
| Policyholder Benefits And Claims Incurred Net | 6,640 | 5,737 | +15.7% |
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| Commercial Insurance · Operating Segments | 2,970 | 2,795 | +6.3% |
| Consolidated Property And Casualty Insurance Entity | 6,335 | 5,436 | +16.5% |
| Excess and Surplus Lines Insurance · Operating Segments | 425 | 411 | +3.4% |
| Life Insurance Segment | 305 | 301 | +1.3% |
| Life Insurance Segment · Operating Segments | 305 | 301 | +1.3% |
| Personal Insurance · Operating Segments | 2,419 | 1,795 | +34.8% |
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| Corporate Non Segment | 521 | 435 | +19.8% |
| Underwriting Acquisition And Insurance Expenses | 2,924 | 2,657 | +10.0% |
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| Commercial Insurance · Operating Segments | 1,459 | 1,384 | +5.4% |
| Excess and Surplus Lines Insurance · Operating Segments | 192 | 167 | +15.0% |
| Life Insurance Segment · Operating Segments | 93 | 93 | 0.0% |
| Personal Insurance · Operating Segments | 896 | 762 | +17.6% |
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| Corporate Non Segment | 284 | 251 | +13.1% |
| Interest Expense | 53 | 53 | 0.0% |
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| Parent Company | 52 | 52 | 0.0% |
| Other Cost And Expense Operating | 34 | 32 | +6.2% |
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| Parent Company | 44 | 42 | +4.8% |
| Benefits Losses And Expenses | 9,651 | 8,479 | +13.8% |
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| Parent Company | 96 | 94 | +2.1% |
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| Operating Segments | 8,759 | 7,708 | +13.6% |
| Income Before Taxes | 2,980 | 2,858 | +4.3% |
| Current Income Tax Expense Benefit | 304 | 449 | -32.3% |
| Deferred Income Taxes | 283 | 117 | +141.9% |
| Income Tax Expense (Benefit) | 587 | 566 | +3.7% |
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| Parent Company | 103 | 140 | -26.4% |
| Net Income | 2,393 | 2,292 | +4.4% |
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| Retained Earnings | 2,393 | 2,292 | +4.4% |
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| Parent Company | 2,393 | 2,292 | +4.4% |
| EPS (Basic) | 15.32 | 14.65 | +4.6% |
| EPS (Diluted) | 15.17 | 14.53 | +4.4% |
| Interest Income | 875 | 733 | +19.4% |
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| Investments Segment · Operating Segments | 127 | 125 | +1.6% |
| Life Insurance Segment · Operating Segments | -127 | -125 | -1.6% |
| Comprehensive Income | 2,668 | 2,418 | +10.3% |
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| Parent Company | 2,668 | 2,418 | +10.3% |
| Other Comprehensive Income (FY) | — | — | — |
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| Accumulated Defined Benefit Plans Adjustment | 8 | 36 | -77.8% |
| Accumulated Net Unrealized Gain (Loss) on Life Policy Reserves, Reinsurance Recoverable And Other | -26 | 77 | -133.8% |
| Accumulated Net Unrealized Investment Gain Loss | 293 | 13 | +2153.8% |
| Wtd Avg Shares (Basic) | 156.1 | 156.4 | -0.2% |
| Wtd Avg Shares (Diluted) | 157.7 | 157.8 | -0.1% |
| Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments (FY) | — | — | — |
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| Commercial Insurance · Operating Segments | 439 | 311 | +41.2% |
| Excess and Surplus Lines Insurance · Operating Segments | 85 | 40 | +112.5% |
| Investments Segment · Operating Segments | 2,480 | 2,291 | +8.2% |
| Life Insurance Segment · Operating Segments | 65 | 57 | +14.0% |
| Personal Insurance · Operating Segments | -111 | 71 | -256.3% |
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| Parent Company | 509 | 687 | -25.9% |
| Liability For Unpaid Claims And Claims Adjustment Expense Incurred Claims1 (FY) | — | — | — |
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| Property Liability And Casualty Insurance Segment | 6,335 | 5,436 | +16.5% |
| Gain Loss On Investments (FY) | — | — | — |
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| Investments Segment · Operating Segments | 1,442 | 1,391 | +3.7% |
| Other Expenses (FY) | — | — | — |
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| Corporate Non Segment | 87 | 85 | +2.4% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Short-Term Investments | 148 | 298 | -50.3% |
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| Fair Value Inputs Level1 | 148 | 298 | -50.3% |
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| Parent Company | 148 | 298 | -50.3% |
| Cash & Cash Equivalents (Q) | — | — | — |
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| Parent Company | 205 | 167 | +22.8% |
| Non-Current Assets | |||
| Equity Securities Fv Ni Current And Noncurrent | 12,694 | 11,185 | +13.5% |
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| Parent Company | 5,125 | 4,565 | +12.3% |
| Property, Plant & Equipment | 219 | 214 | +2.3% |
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| Parent Company | 137 | 142 | -3.5% |
| Total Assets | 41,002 | 36,501 | +12.3% |
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| Investments Segment · Operating Segments | 31,199 | 27,887 | +11.9% |
| Life Insurance Segment · Operating Segments | 1,695 | 1,658 | +2.2% |
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| Parent Company | 17,766 | 15,677 | +13.3% |
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| Corporate Non Segment | 1,192 | 1,029 | +15.8% |
| Operating Segments | 6,916 | 5,927 | +16.7% |
| Goodwill (Q) | — | — | — |
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| Cincinnati Global | 30 | 30 | 0.0% |
| Other Assets | |||
| Other Investments | 818 | 713 | +14.7% |
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| Parent Company | 34 | 40 | -15.0% |
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| Life Policy Loans | 38 | 36 | +5.6% |
| Other Than Securities Investment | 16 | 16 | 0.0% |
| Real Estate Investment | 123 | 94 | +30.9% |
| Venture Capital Funds | 641 | 567 | +13.1% |
| Investments | 31,783 | 28,378 | +12.0% |
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| Parent Company | 5,397 | 5,076 | +6.3% |
| Cash And Cash Equivalents Fair Value Disclosure | 1,431 | 983 | +45.6% |
| Accrued Investment Income Receivable | 235 | 222 | +5.9% |
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| Parent Company | 5 | 14 | -64.3% |
| Loans And Leases Receivable Net Of Allowance | 146 | 120 | +21.7% |
| Premiums Receivable At Carrying Value | 3,142 | 2,969 | +5.8% |
| Reinsurance Recoverable | 655 | 523 | +25.2% |
| Prepaid Reinsurance Premiums | 71 | 70 | +1.4% |
| Deferred Policy Acquisition Costs | 1,344 | 1,242 | +8.2% |
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| Deferred Fixed Annuity | 8 | 8 | 0.0% |
| Term Life Insurance | 257 | 245 | +4.9% |
| Universal Life | 50 | 51 | -2.0% |
| Whole Life Insurance | 55 | 52 | +5.8% |
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| Consolidated Property And Casualty Insurance Entity | 974 | 886 | +9.9% |
| Life Insurance Segment | 370 | 356 | +3.9% |
| Other Assets | 995 | 828 | +20.2% |
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| Parent Company | 236 | 201 | +17.4% |
| Separate Account Assets | 981 | 952 | +3.0% |
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| Fair Value Inputs Level1 · Taxable Fixed Maturities | 35 | — | — |
| Fair Value Inputs Level2 · Taxable Fixed Maturities | 872 | 876 | -0.5% |
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| Taxable Fixed Maturities | 907 | 876 | +3.5% |
| Non-Current Liabilities | |||
| Deferred Tax Liabilities | 1,833 | 1,476 | +24.2% |
| Total Liabilities | 25,091 | 22,566 | +11.2% |
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| Parent Company | 1,855 | 1,742 | +6.5% |
| Long-Term Debt | 790 | 790 | 0.0% |
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| 6.125% Senior Notes, Due 2034 | 372 | 372 | 0.0% |
| 6.900% Senior Debentures, Due 2028 | 27 | 27 | 0.0% |
| 6.920% Senior Debentures, Due 2028 | 391 | 391 | 0.0% |
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| Parent Company | 790 | 790 | 0.0% |
| Other Liabilities | |||
| Available For Sale Securities Debt Securities | 18,123 | 16,182 | +12.0% |
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| Fair Value Inputs Level1 | 313 | 226 | +38.5% |
| Fair Value Inputs Level1 · US Government Agencies Debt Securities | 313 | 226 | +38.5% |
| Fair Value Inputs Level2 | 17,810 | 15,956 | +11.6% |
| Fair Value Inputs Level2 · Corporate Bond Securities | 9,711 | 8,380 | +15.9% |
| Fair Value Inputs Level2 · Foreign Government | 24 | 30 | -20.0% |
| Fair Value Inputs Level2 · Mortgage Backed Securities | 797 | 551 | +44.6% |
| Fair Value Inputs Level2 · US Government Sponsored Enterprises Debt Securities | 2,359 | 2,274 | +3.7% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 4,919 | 4,721 | +4.2% |
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| Corporate Bond Securities | 9,711 | 8,380 | +15.9% |
| Foreign Government | 24 | 30 | -20.0% |
| Mortgage Backed Securities | 797 | 551 | +44.6% |
| US Government Agencies Debt Securities | 313 | 226 | +38.5% |
| US Government Sponsored Enterprises Debt Securities | 2,359 | 2,274 | +3.7% |
| US States And Political Subdivisions | 4,919 | 4,721 | +4.2% |
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| Parent Company | 90 | 173 | -48.0% |
| Liability For Claims And Claims Adjustments Expense Property Casualty Liability | 11,507 | 10,003 | +15.0% |
| Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense | 2,992 | 2,960 | +1.1% |
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| Deferred Fixed Annuity · Investment contract reserves | 554 | 595 | -6.9% |
| Other Longduration Insurance Product Line · Investment contract reserves | 109 | 109 | 0.0% |
| Other Longduration Insurance Product Line · Life Policy Reserves | 100 | 98 | +2.0% |
| Structured Settlement Annuity · Investment contract reserves | 111 | 116 | -4.3% |
| Term Life Insurance · Life Policy Reserves | 1,103 | 1,051 | +4.9% |
| Universal Life · Investment contract reserves | 589 | 586 | +0.5% |
| Whole Life Insurance · Life Policy Reserves | 426 | 405 | +5.2% |
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| Investment contract reserves | 1,363 | 1,406 | -3.1% |
| Life Policy Reserves | 1,629 | 1,554 | +4.8% |
| Unearned Premiums | 5,254 | 4,813 | +9.2% |
| Other Liabilities | 1,638 | 1,487 | +10.2% |
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| Parent Company | 141 | 128 | +10.2% |
| Notes Payable | 25 | 25 | 0.0% |
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| Revolving Credit Facility | 25 | 25 | 0.0% |
| Long Term Debt And Capital Lease Obligations | 861 | 850 | +1.3% |
| Separate Accounts Liability | 981 | 952 | +3.0% |
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| Universal Life | 981 | 952 | +3.0% |
| Stockholders' Equity | |||
| Common Stock | 397 | 397 | 0.0% |
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| Parent Company | 397 | 397 | 0.0% |
| Additional Paid In Capital Common Stock | 1,561 | 1,502 | +3.9% |
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| Parent Company | 1,561 | 1,502 | +3.9% |
| Retained Earnings | 16,719 | 14,869 | +12.4% |
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| Parent Company | 16,719 | 14,869 | +12.4% |
| Accumulated Other Comprehensive Income | -34 | -309 | +89.0% |
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| Parent Company | -34 | -309 | +89.0% |
| Treasury Stock Value | -2,732 | -2,524 | -8.2% |
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| Parent Company | -2,732 | -2,524 | -8.2% |
| Total Stockholders' Equity | 15.91 | 13,935 | -99.9% |
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| Accumulated Defined Benefit Plans Adjustment | 66 | 58 | +13.8% |
| Accumulated Net Unrealized Gain (Loss) on Life Policy Reserves, Reinsurance Recoverable And Other | 41 | 67 | -38.8% |
| Accumulated Net Unrealized Investment Gain Loss | -141 | -434 | +67.5% |
| Accumulated Other Comprehensive Income | -34 | -309 | +89.0% |
| Additional Paid In Capital | 1,561 | 1,502 | +3.9% |
| Common Stock | 397 | 397 | 0.0% |
| Retained Earnings | 16,719 | 14,869 | +12.4% |
| Treasury Stock Common | -2,732 | -2,524 | -8.2% |
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| Parent Company | 15,911 | 13,935 | +14.2% |
| Total Liabilities & Equity | 41,002 | 36,501 | +12.3% |
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| Parent Company | 17,766 | 15,677 | +13.3% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation Amortization And Other | 168 | 130 | +29.2% |
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| Parent Company | 17 | 4 | +325.0% |
| Gain Loss On Sale Of Investments | -1,405 | -1,367 | -2.8% |
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| Parent Company | -471 | -641 | +26.5% |
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| Equity Securities | 13 | -181 | +107.2% |
| Interest Credited To Policy Owner Account | 44 | 44 | 0.0% |
| Increase Decreasein Premiumsand Reinsurancereceivable | -306 | -266 | -15.0% |
| Increase Decrease In Deferred Policy Acquisition Costs | -102 | -149 | +31.5% |
| Increase Decrease In Other Operating Assets | -73 | -14 | -421.4% |
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| Parent Company | -10 | -4 | -150.0% |
| Increase Decrease In Liability For Claims And Claims Adjustment Expense Reserve | 1,504 | 953 | +57.8% |
| Increase Decrease In Future Policy Benefit Reserves | 55 | 69 | -20.3% |
| Increase Decrease In Unearned Premiums | 441 | 694 | -36.5% |
| Increase Decrease In Other Operating Liabilities | 84 | 134 | -37.3% |
| Increase Decrease In Deferred Income Taxes | 26 | 12 | +116.7% |
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| Parent Company | 89 | 64 | +39.1% |
| Net Cash from Operations | 3,112 | 2,649 | +17.5% |
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| Parent Company | 606 | 288 | +110.4% |
| Investing Activities | |||
| Proceeds From Sale Of Available For Sale Securities Debt | 3,777 | 3,202 | +18.0% |
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| Parent Company | 90 | 124 | -27.4% |
| Proceeds From Sale Of Equity Securities Fv Ni | 335 | 1,599 | -79.0% |
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| Parent Company | 137 | 665 | -79.4% |
| Purchases of Investments | -5,388 | -5,732 | +6.0% |
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| Parent Company | -9 | -124 | +92.7% |
| Payments To Acquire Equity Securities Fv Ni | -409 | -321 | -27.4% |
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| Parent Company | -218 | -19 | -1047.4% |
| Change In Short Term Investments | 156 | -295 | +152.9% |
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| Parent Company | 156 | -295 | +152.9% |
| Payments To Acquire Proceeds From Sale And Collection Of Finance Receivables | -30 | -15 | -100.0% |
| Capital Expenditures | -20 | -22 | +9.1% |
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| Parent Company | -7 | -14 | +50.0% |
| Other Investing Activities | -112 | -112 | 0.0% |
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| Parent Company | 2 | 9 | -77.8% |
| Net Cash from Investing | -1,691 | -1,696 | +0.3% |
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| Parent Company | 151 | 346 | -56.4% |
| Capital Lease Obligations Incurred | 24 | 19 | +26.3% |
| Non Cash Share Based Compensation | 37 | 51 | -27.5% |
| Liabilities Assumed1 | 113 | 103 | +9.7% |
| Financing Activities | |||
| Payments Of Dividends Common Stock | -525 | -490 | -7.1% |
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| Parent Company | -525 | -490 | -7.1% |
| Share Repurchases | -205 | -126 | -62.7% |
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| Parent Company | -205 | -126 | -62.7% |
| Proceeds From Stock Options Exercised | 10 | 10 | 0.0% |
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| Parent Company | 10 | 10 | 0.0% |
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| Employee Stock Option | 10 | 10 | 0.0% |
| Additions To Contract Holders Funds | 66 | 73 | -9.6% |
| Withdrawal From Contract Holders Funds | -166 | -190 | +12.6% |
| Proceeds From Payments For Other Financing Activities | -153 | -154 | +0.6% |
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| Parent Company | 1 | 1 | 0.0% |
| Net Cash from Financing | -973 | -877 | -10.9% |
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| Parent Company | -719 | -605 | -18.8% |
| Supplemental | |||
| Interest Paid | 53 | 53 | 0.0% |
| Income Taxes Paid | 220 | 395 | -44.3% |
| Other Cash Flow | |||
| Net Change in Cash | 448 | 76 | +489.5% |
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| Parent Company | 38 | 29 | +31.0% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 1,431 | 983 | +45.6% |
Values in millions USD. Source: SEC EDGAR 10-K filing.