US stock · figures in US dollars · scored on full-year results
Cincinnati Financial Cincinnati Financial Corporation
Cincinnati Financial scores 82/100 on fundamentals: in the top 1% of 503 scored S&P 500 stocks. Its strongest area is Business Strength (100/100); its weakest is Risk (60/100).
A financially strong, inexpensively priced stock with healthy growth, but risk needs attention.
Nearby peers
Ranks #1 of 56 in Financial Services by score
One-Minute Summary
Why Cincinnati Financial scores 82
A financially strong, inexpensively priced stock with healthy growth, but risk needs attention.
Business Strength
100Why 100?
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Net Profit & Equity, with ROE
Revenue & Net Profit, with Net Margin
Sales grew about 32.6% over 4 years: customers keep spending more with this company.
Profit climbed about 44.5% over 4 years: the business keeps more money as it grows.
Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)
Sales grew about 28.7% over the last 8 quarters: customers keep spending more with this company.
The company made a loss in at least one of the last 8 quarters: the bars below zero are losses, not profits.
Financial Safety
100Why 100?
No data: Current Ratio
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Debt vs Equity, with D/E ratio
Borrowings have stayed roughly level: manageable, as long as profits stay healthy.
Cash & Dividends
75Why 75?
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Operating vs Free Cash Flow
The business generates real cash, and more of it each year: a very healthy sign.
Cash vs Total Debt
Dividends per Share, with Yield
Dividends per share have been maintained or raised: management shares the rewards with you.
Price Fairness
83Why 83?
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Share Price: Weekly Closes (not part of the score)
The share price is up about 19.8% over the past year.
RiskLowest pillar
60Why 60?
No data: Inventory vs Sales (4yr)
Sector peers
Cincinnati Financial (CINF) scores 82/100 (Strong) on Score Your Stock's educational fundamentals model: in the top 1% of 503 scored S&P 500 stocks.
Its strongest pillar is Business Strength (100/100); its weakest is Risk (60/100).
Cincinnati Financial ranks #1 of 56 scored Financial Services stocks on Score Your Stock.
Yes. Cincinnati Financial (CINF) has a dividend yield of 2%, from dividends with an ex-date in the last 12 months. It pays out 21% of its profit as dividends. Its Cash & Dividends pillar scores 75/100.
From Malaysia, open an account with a broker that offers US shares (many local and app-based brokers do), convert ringgit to US dollars, then buy CINF. US shares trade one share at a time, not in lots of 100. Check the currency conversion fee and US dividend tax (usually 30% withheld for Malaysians) before you buy.
The overall score pools every measure across 5 weighted pillars: Business Strength, Financial Safety, Cash & Dividends, Price Fairness, and Risk. It uses the same rules as our Bursa scores. For banks, Financial Safety checks nonaccrual (impaired) loans, loan loss coverage and the CET1 capital ratio, from the FDIC call report of the group's main bank. Full methodology and the default weights: https://scoreyourstock.com/how. This is an educational tool, not investment advice.
Cincinnati Financial (CINF) is a Financial Services company (Insurance - Property & Casualty). On Score Your Stock's fundamentals check, it scores 82/100, rated Strong. Its biggest strength is Business Strength (100/100); its main watch-out is Risk (60/100). Shares currently cost about 10 years of its current profit to buy (P/E 10.4×). It also pays back about 2.0% of the share price as dividends each year. Full breakdown and daily-updated score: https://scoreyourstock.com/stocks/us/cinf-cincinnati-financial
Full Financial History
Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.
| Financial Year | Revenue | Net Profit | Operating Cash Flow | Free Cash Flow | CapEx | Cash | Total Debt | Short-Term Debt | Equity | Total Assets | Total Liabilities | Dividends | Return on Equity (ROE) | Net Profit Margin | Debt-to-Equity | Interest Coverage | Dividend Payout Ratio | Div yield | P/E Ratio | P/B Ratio |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | US$ 13.3b | US$ 2.7b | US$ 3.1b | US$ 3.1b | US$ -16.0m | US$ 1.2b | US$ 875.0m | US$ 17.0m | US$ 16.2b | US$ 42.6b | US$ 26.4b | - | 16% | 20% | 0.1× | 64.4× | 21% | - | - | - |
| 2025 | US$ 12.6b | US$ 2.4b | US$ 3.1b | US$ 3.1b | US$ -20.0m | US$ 1.4b | US$ 886.0m | US$ 25.0m | US$ 15.9b | US$ 41.0b | US$ 25.1b | US$ 348.0m | 15% | 19% | 0.1× | 57.2× | 22% | 2% | 10.3× | 1.6× |
| 2024 | US$ 11.3b | US$ 2.3b | US$ 2.6b | US$ 2.6b | US$ -22.0m | US$ 983.0m | US$ 875.0m | US$ 25.0m | US$ 13.9b | US$ 36.5b | US$ 22.6b | US$ 324.0m | 16% | 20% | 0.1× | 54.9× | 21% | 2% | 9.3× | 1.5× |
| 2023 | US$ 10.0b | US$ 1.8b | US$ 2.1b | US$ 2.0b | US$ -18.0m | US$ 907.0m | US$ 874.0m | US$ 25.0m | US$ 12.1b | US$ 32.8b | US$ 20.7b | US$ 300.0m | 15% | 18% | 0.1× | 43.2× | 25% | 3% | 8.3× | 1.3× |