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Equiscale · Syntellia LLC
Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance; universal life insurance; and worksite and whole life insurance products, as well as annuities. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. The company was founded in 1950 and is headquartered in Fairfield, Ohio.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $12.6B | - | $2.4B | $3.1B | 15.0% | 11.4% | 4.4% |
| 2024 | $11.3B | - | $2.3B | $2.6B | 16.4% | 13.2% | 24.4% |
| 2023 | $10.0B | - | $1.8B | $2.0B | 15.2% | 52.6% | -478.4% |
| 2022 | $6.6B | - | $-487M | $2.0B | -4.6% | - | - |
| 2021 |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 6,563 | 10,013 | 11,337 | 12,631 |
| Operating Revenue | - | 6,563 | 10,013 | 11,337 | 12,631 |
| Total Expenses | - | 7,257 | 7,737 | 8,479 | 9,651 |
| EBIT | - | -641 | 2,330 | 2,911 | 3,033 |
| Interest Income | - | 785 | 882 | 1,016 | 1,155 |
| Interest Expense | - | 53 | 54 | 53 | 53 |
| Net Interest Income | - | -53 | -54 | -53 | -53 |
| Other Income Expense | - | 10 | 13 | 15 | 21 |
| Interest Expense Non Operating | - | 53 | 54 | 53 | 53 |
| Net Non Operating Interest Income Expense | - | -53 | -54 | -53 | -53 |
| Pretax Income | - | -694 | 2,276 | 2,858 | 2,980 |
| Tax Provision | - | -207 | 433 | 566 | 587 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | -487 | 1,843 | 2,292 | 2,393 |
| Net Income From Continuing And Discontinued Operation | - | -487 | 1,843 | 2,292 | 2,393 |
| Net Income From Continuing Operation Net Minority Interest | - | -487 | 1,843 | 2,292 | 2,393 |
| Net Income | - | -487 | 1,843 | 2,292 | 2,393 |
| Net Income Common Stockholders | - | -487 | 1,843 | 2,292 | 2,393 |
| Net Income Including Noncontrolling Interests | - | -487 | 1,843 | 2,292 | 2,393 |
| Normalized Income | - | -487 | 1,843 | 2,292 | 2,393 |
| Diluted NI Availto Com Stockholders | - | -487 | 1,843 | 2,292 | 2,393 |
| Basic Average Shares | - | 158.82 | 156.98 | 156.45 | 156.20 |
| Diluted Average Shares | - | 158.82 | 158.10 | 157.80 | 157.70 |
| Reconciled Depreciation | - | 127 | 112 | 130 | 168 |
| Other Operating Expenses | - | 23 | 25 | 32 | 34 |
| Loss Adjustment Expense | - | 5,019 | 5,274 | 5,737 | 6,640 |
| Net Policyholder Benefits And Claims | - | 5,019 | 5,274 | 5,737 | 6,640 |
| Policyholder Benefits Gross | - | 5,285 | 5,514 | 5,819 | 7,296 |
| Policyholder Benefits Ceded | - | 266 | 240 | 82 | 656 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Cincinnati Financial Corporationthis co. | CINF | $24.9B | 10.39↓ discount | 1.56 | 15.0% | - |
| Citizens Financial Group, Inc. | CFG | $27.0B | 14.76 | 1.12 | 7.6% | - |
| W. R. Berkley Corporation | WRB | $24.7B | 13.87 | 2.54 | 18.3% | - |
| Willis Towers Watson Public Limited Company | WTW | $24.4B | 15.22 | 3.06 | 20.1% | 10.72 |
| Regions Financial Corporation |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| RF |
| $24.3B |
| 11.25 |
| 1.37 |
| 12.2% |
| - |
| Synchrony Financial | SYF | $23.8B | 6.86 | 1.42 | 20.7% | - |
| KeyCorp | KEY | $23.5B | 12.85 | 1.31 | 10.2% | - |
| T. Rowe Price Group, Inc. | TROW | $22.9B | 11.25 | 2.11 | 18.8% | 6.48 |
| Principal Financial Group, Inc. | PFG | $22.4B | 18.87 | 1.88 | 10.0% | - |
| Peer Median | - | 13.36 | 1.65 | 15.3% | 8.60 | |
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
Historically, Nov has averaged the highest return (+5.2%); Apr the lowest (-4.7%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -1.5%Neutral MonthJan 2026: -1.49% | +1.9%Neutral MonthFeb 2026: +1.92% | -4.0%Negative MonthMar 2026: -4.04% | +4.0%Positive MonthApr 2026: +3.97% | -3.8%Negative MonthMay 2026: -3.78% | +17.6%Positive MonthJun 2026: +17.61% | -4.0%Negative MonthJul 2026: -4.03% | -5.2%*Negative MonthAug 2026: -5.17% | — | — | — | — |
| 2025 | -4.6%Negative MonthJan 2025: -4.63% | +7.9%Positive MonthFeb 2025: +7.85% | -0.1%Neutral MonthMar 2025: -0.06% | -5.8%Negative MonthApr 2025: -5.76% | +8.3%Positive MonthMay 2025: +8.34% | -1.3%Neutral MonthJun 2025: -1.26% | -0.9%Neutral MonthJul 2025: -0.95% | +4.1%Positive MonthAug 2025: +4.13% | +2.9%Positive MonthSep 2025: +2.93% | -2.2%Negative MonthOct 2025: -2.22% | +8.4%Positive MonthNov 2025: +8.41% | -2.5%Negative MonthDec 2025: -2.55% |
| 2024 | +7.1%Positive MonthJan 2024: +7.09% | +2.9%Positive MonthFeb 2024: +2.89% | +8.9%Positive MonthMar 2024: +8.92% | -6.8%Negative MonthApr 2024: -6.83% | +1.6%Neutral MonthMay 2024: +1.63% | +0.4%Neutral MonthJun 2024: +0.44% | +10.6%Positive MonthJul 2024: +10.60% | +4.9%Positive MonthAug 2024: +4.91% | -0.7%Neutral MonthSep 2024: -0.66% | +3.5%Positive MonthOct 2024: +3.46% | +13.5%Positive MonthNov 2024: +13.49% | -10.1%Negative MonthDec 2024: -10.09% |
| 2023 | +10.5%Positive MonthJan 2023: +10.51% | +6.7%Positive MonthFeb 2023: +6.67% | -7.1%Negative MonthMar 2023: -7.14% | -5.0%Negative MonthApr 2023: -5.03% | -9.3%Negative MonthMay 2023: -9.34% | +0.8%Neutral MonthJun 2023: +0.85% | +10.5%Positive MonthJul 2023: +10.54% | -1.7%Neutral MonthAug 2023: -1.66% | -3.3%Negative MonthSep 2023: -3.31% | -2.6%Negative MonthOct 2023: -2.56% | +3.1%Positive MonthNov 2023: +3.13% | +0.7%Neutral MonthDec 2023: +0.65% |
| 2022 | +3.4%Positive MonthJan 2022: +3.42% | +4.2%Positive MonthFeb 2022: +4.21% | +10.7%Positive MonthMar 2022: +10.73% | -9.8%Negative MonthApr 2022: -9.78% | +4.2%Positive MonthMay 2022: +4.24% | -6.9%Negative MonthJun 2022: -6.95% | -18.2%Negative MonthJul 2022: -18.19% | -0.4%Neutral MonthAug 2022: -0.39% | -7.6%Negative MonthSep 2022: -7.62% | +15.4%Positive MonthOct 2022: +15.35% | +7.4%Positive MonthNov 2022: +7.39% | -7.7%Negative MonthDec 2022: -7.72% |
| 2021 | — | — | — | — | +8.0%Positive MonthMay 2021: +8.01% | -4.2%Negative MonthJun 2021: -4.18% | +1.1%Neutral MonthJul 2021: +1.08% | +4.7%Positive MonthAug 2021: +4.68% | -7.4%Negative MonthSep 2021: -7.44% | +6.3%Positive MonthOct 2021: +6.32% | -6.2%Negative MonthNov 2021: -6.21% | +0.0%Neutral MonthDec 2021: +0.03% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
