Cincinnati Financial Corporation Financial Ratios — CINF

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	3.26	8.03	8.97	8.3	9.75	8.76	13.66	3.57	22.57	11.78	24.84	-4.12	16.27	17.61	16.04
Return on Assets (%)	1.07	2.62	3.02	2.88	3.37	3.01	4.95	1.31	8.44	4.59	10.07	-1.59	5.9	6.62	6.18
Return on Capital (%)	3.63	7.47	8.3	7.8	9.13	8.29	- -	- -	20.98	11.23	23.44	- -	15.45	16.81	15.41
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	4.55	13.77	15.76	14.58	17.13	14.9	12.74	4.64	31.2	19.89	38.42	-10.57	22.73	25.21	23.59
Profit Margin (%)	4.31	10.24	11.41	10.62	12.33	10.85	18.23	5.31	25.2	16.14	30.83	-7.42	18.41	20.22	18.95
Net Income to Common Margin (%)	4.31	10.24	11.41	10.62	12.33	10.85	18.23	5.31	25.2	16.14	30.83	-7.42	18.41	20.22	18.95
Effective Tax Rate (%)	5.2	25.62	27.59	27.18	28.04	27.22	- -	- -	19.22	18.88	19.74	- -	19.02	19.8	19.7
Dvd Payout Ratio (%)	155.49	60.81	50.87	52.95	57.73	51.78	38.28	117.07	17.78	30.84	13.31	-86.86	24.63	21.38	21.94
Sustainable Growth Rate (%)	-1.81	3.15	4.41	3.91	4.12	4.23	8.43	-0.61	18.56	8.14	21.54	-7.69	12.26	13.84	12.52

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	925	931	939	871	856	846	851	866	884	899	897	891	874	875	886
ST Debt	104	104	104	49	35	20	24	32	39	54	54	50	25	25	25
LT Debt	821	827	835	822	821	826	827	834	845	845	843	841	849	850	861
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	54	54	54	53	53	53	53	53	53	54	53	53	54	53	53
Common Equity/Total Assets	32.19	32.95	34.37	35.06	34.03	34.63	37.74	35.71	38.82	39.17	41.75	35.52	36.92	38.18	38.81
Long-Term Debt/Equity (%)	16.31	15.17	13.76	12.51	12.77	11.7	10.03	10.65	8.57	7.83	6.43	7.96	7.02	6.1	5.41
Long-Term Debt/Capital (%)	13.78	12.95	11.91	11.04	11.27	10.45	9.09	9.59	7.86	7.23	6.02	7.34	6.54	5.74	5.13
Long-Term Debt/Total Assets (%)	5.25	5	4.73	4.38	4.35	4.05	3.79	3.8	3.33	3.07	2.69	2.83	2.59	2.33	2.1
Total Debt/Equity (%)	18.38	17.07	15.47	13.25	13.32	11.98	10.32	11.06	8.96	8.33	6.84	8.44	7.22	6.28	5.57
Total Debt/Capital (%)	15.53	14.58	13.4	11.7	11.75	10.7	9.36	9.96	8.22	7.69	6.41	7.78	6.74	5.91	5.27
Total Debt/Total Assets (%)	5.92	5.63	5.32	4.65	4.53	4.15	3.9	3.95	3.48	3.26	2.86	3	2.67	2.4	2.16
Net Debt to Equity	9.68	8.14	7.59	3.71	4.31	0.42	1.87	0.46	0.61	-0.54	-2.26	-4.02	-0.76	-1.21	-3.87
Net Debt/Capital (%)	8.82	7.53	7.01	3.56	4.11	0.42	1.83	0.45	0.6	-0.54	-2.3	-4.17	-0.76	-1.22	-4.01
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	32.19	32.95	34.37	35.06	34.03	34.63	37.74	35.71	38.82	39.17	41.75	35.52	36.92	38.18	38.81
Long-Term Debt/Equity (%)	16.31	15.17	13.76	12.51	12.77	11.7	10.03	10.65	8.57	7.83	6.43	7.96	7.02	6.1	5.41
Long-Term Debt/Capital (%)	13.78	12.95	11.91	11.04	11.27	10.45	9.09	9.59	7.86	7.23	6.02	7.34	6.54	5.74	5.13
Long-Term Debt/Total Assets (%)	5.25	5	4.73	4.38	4.35	4.05	3.79	3.8	3.33	3.07	2.69	2.83	2.59	2.33	2.1
Total Debt/Equity (%)	18.38	17.07	15.47	13.25	13.32	11.98	10.32	11.06	8.96	8.33	6.84	8.44	7.22	6.28	5.57
Total Debt/Capital (%)	15.53	14.58	13.4	11.7	11.75	10.7	9.36	9.96	8.22	7.69	6.41	7.78	6.74	5.91	5.27
Total Debt/Total Assets (%)	5.92	5.63	5.32	4.65	4.53	4.15	3.9	3.95	3.48	3.26	2.86	3	2.67	2.4	2.16
CFO/Total Liabilities	2.33	5.75	6.87	7.17	8.63	8.37	7.74	8.37	7.77	8.9	10.84	10.7	9.93	11.74	12.4
CFO/CapEx	35.29	106.33	113.71	97	107.5	85.77	65.75	59.05	50.33	74.55	132.07	136.8	114	120.41	155.6
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	2.31	2.32	2.43	2.57	2.62	2.69	2.8	2.61	3.51	3.15	3.84	2.34	3.21	3.37	3.47
Days Sales Outstanding	158.17	157.06	149.92	141.83	139.24	135.68	130.51	140.04	103.99	115.83	95.16	156	113.55	108.42	105.32
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	438	487	433	591	544	777	657	784	767	900	1,139	1,264	907	983	1,431
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	925	931	939	871	856	846	851	866	884	899	897	891	874	875	886
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	5,958	6,384	7,009	7,444	7,283	7,906	9,094	8,699	10,748	11,688	14,002	11,453	12,972	14,810	16,797
Total Debt/Capital (%)	15.53	14.58	13.4	11.7	11.75	10.7	9.36	9.96	8.22	7.69	6.41	7.78	6.74	5.91	5.27
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	3,803	4,111	4,531	4,945	5,142	5,449	5,732	5,407	7,924	7,536	9,626	6,563	10,013	11,337	12,631
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	298	678	835	912	1,113	1,154	- -	- -	1,251	1,535	2,024	- -	2,096	2,692	3,155
TTM Free Cash Flow to Firm	291	672	828	903	1,103	1,141	- -	- -	1,227	1,515	2,009	- -	2,078	2,670	3,135

Multiples (USD)

Valuation Multiples API ChatGPT

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Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	162	163	163	164	164	164	164	163	163	161	160	157	157	156	155
Diluted Weighted Avg Shares	163	164	166	165	166	167	166	165	165	162	163	159	158	158	158
Basic Weighted Avg Shares	163	164	165	165	164	165	164	163	163	161	161	159	157	156	156
Revenue per Share	23.29	25.12	27.39	29.95	31.39	33.1	34.89	33.16	48.57	46.79	59.76	41.32	63.78	72.46	80.86
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1	2.57	3.13	3.18	3.87	3.59	6.36	1.76	12.24	7.55	18.43	-3.07	11.74	14.65	15.32
Basic EPS from Cont Ops	1	2.57	3.13	3.18	3.87	3.59	6.36	1.76	12.24	7.55	18.43	-3.07	11.74	14.65	15.32
Diluted EPS, GAAP	1	2.57	3.12	3.18	3.83	3.55	6.3	1.74	12.1	7.49	18.24	-3.07	11.66	14.52	15.17
Diluted EPS from Cont Ops	1	2.57	3.12	3.18	3.83	3.55	6.3	1.74	12.1	7.49	18.24	-3.07	11.66	14.52	15.17
Dividend per Share	1.56	1.56	1.59	1.68	2.23	1.86	2.43	2.06	2.18	2.33	2.45	2.66	2.89	3.13	3.36
Cash Flow per Share	1.51	3.9	4.81	5.29	6.56	6.77	6.4	7.24	7.4	9.26	12.3	12.92	13.07	16.93	19.92
Free Cash Flow per Basic Share	1.47	3.86	4.77	5.23	6.5	6.69	6.31	7.12	7.26	9.13	12.21	12.83	12.96	16.79	19.8
Cash & Equivalents per Share	56.9	58.77	58.61	61.4	62.2	66.07	69.29	70.47	76.52	82.27	88.34	85.27	93.62	111.72	126.77
Book Value per Share	31.07	33.45	37.24	40.15	39.21	42.94	50.29	48.11	60.55	67.05	81.75	67.23	77.06	89.15	102.38
Tangible Book Value per Share	31.07	33.45	37.24	40.15	39.21	42.94	50.29	48.11	60.55	67.05	81.75	67.23	77.06	89.15	102.38