Cincinnati Financial Ratios (2009-2025) | CINF

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Ratios	Jun2009	Sep2009	Dec2009	Mar2010	Jun2010	Sep2010	Dec2010	Mar2011	Jun2011	Sep2011	Dec2011	Mar2012	Jun2012	Sep2012	Dec2012	Mar2013	Jun2013	Sep2013	Dec2013	Mar2014	Jun2014	Sep2014	Dec2014	Mar2015	Jun2015	Sep2015	Dec2015	Mar2016	Jun2016	Sep2016	Dec2016	Mar2017	Jun2017	Sep2017	Dec2017	Mar2018	Jun2018	Sep2018	Dec2018	Mar2019	Jun2019	Sep2019	Dec2019	Mar2020	Jun2020	Sep2020	Dec2020	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025
Profitability
Gross Margin	24.71%	50.55%	55.43%	41.83%	32.23%	46.31%	47.22%	38.11%	17.85%	30.51%	48.48%	40.97%	32.65%	44.83%	54.95%	48.50%	42.84%	44.27%	43.34%	38.44%	37.15%	46.41%	46.51%	41.71%	45.90%	47.57%	46.40%	46.92%	40.12%	46.29%	38.34%	43.99%	38.38%	38.10%	42.66%	30.23%	43.32%	54.10%	-23.10%	60.17%	51.07%	45.18%	57.71%	31.11%	59.99%	48.68%	66.52%	54.96%	60.13%	39.94%	72.31%	39.04%	25.44%	24.73%	33.49%	37.62%	48.56%	34.48%	64.12%	54.04%	41.82%	52.47%	47.60%	23.30%	48.89%	58.67%
EBT Margin	-5.72%	24.23%	31.33%	9.58%	2.39%	20.63%	18.27%	8.07%	-10.15%	1.17%	19.48%	11.36%	2.84%	14.69%	25.51%	19.67%	13.41%	15.80%	14.25%	10.01%	8.81%	20.23%	18.70%	13.54%	18.84%	19.01%	17.10%	19.43%	12.11%	18.05%	9.76%	18.12%	9.24%	9.14%	13.96%	-4.08%	16.94%	32.27%	-81.83%	40.16%	27.71%	17.29%	36.29%	-108.24%	42.19%	27.57%	48.85%	34.49%	38.00%	10.31%	56.46%	-20.73%	-59.39%	-30.63%	68.64%	11.96%	25.57%	-7.28%	44.40%	32.47%	15.17%	31.33%	18.87%	-4.99%	26.32%	37.92%
EBIT Margin	13.62%	12.61%	11.56%	14.66%	14.81%	11.95%	13.89%	14.10%	13.54%	13.77%	13.82%	13.29%	12.94%	12.75%	12.71%	11.60%	11.87%	11.55%	11.69%	11.35%	11.20%	10.78%	11.09%	10.82%	10.64%	11.19%	11.88%	10.63%	10.87%	10.56%	11.66%	9.78%	10.89%	10.84%	11.06%	12.25%	9.88%	8.04%	22.68%	7.27%	8.36%	9.47%	7.81%	11.33%	6.12%	7.50%	6.38%	7.81%	7.63%	10.03%	5.60%	10.93%	11.00%	10.24%	11.09%	9.37%	8.45%	11.07%	7.12%	8.35%	9.51%	7.77%	11.03%	10.91%	8.77%	7.92%
EBITDA Margin	13.62%	12.61%	11.56%	14.66%	14.81%	11.95%	13.89%	15.82%	-0.21%	-19.17%	13.82%	23.53%	-0.49%	26.28%	12.71%	11.60%	11.87%	11.55%	11.69%	11.35%	11.20%	10.78%	11.09%	10.82%	10.64%	11.19%	11.88%	10.63%	10.87%	10.56%	11.66%	9.78%	10.89%	10.84%	11.06%	12.25%	9.88%	8.04%	22.68%	7.27%	8.36%	9.47%	7.81%	11.33%	6.12%	7.50%	6.38%	7.81%	7.63%	10.03%	5.60%	10.93%	11.00%	10.24%	11.09%	9.37%	8.45%	11.07%	7.12%	8.35%	9.51%	7.77%	11.03%	10.91%	8.77%	7.92%
Operating Margin	13.62%	12.61%	11.56%	14.66%	14.81%	11.95%	13.89%	14.10%	13.54%	13.77%	13.82%	13.29%	12.94%	12.75%	12.71%	11.60%	11.87%	11.55%	11.69%	11.35%	11.20%	10.78%	11.09%	10.82%	10.64%	11.19%	11.88%	10.63%	10.87%	10.56%	11.66%	9.78%	10.89%	10.84%	11.06%	12.25%	9.88%	8.04%	22.68%	7.27%	8.36%	9.47%	7.81%	11.33%	6.12%	7.50%	6.38%	7.81%	7.63%	10.03%	5.60%	10.93%	11.00%	10.24%	11.09%	9.37%	8.45%	11.07%	7.12%	8.35%	9.51%	7.77%	11.03%	10.91%	8.77%	7.92%
Net Margin	-0.11%	16.98%	21.62%	7.67%	1.25%	14.57%	14.10%	5.49%	-5.03%	-0.64%	12.15%	8.72%	2.25%	10.72%	17.94%	13.96%	9.96%	11.37%	10.41%	7.65%	6.92%	14.30%	13.23%	9.96%	13.37%	13.62%	12.35%	13.78%	8.61%	12.84%	7.62%	13.20%	7.00%	7.22%	45.50%	-6.37%	13.93%	37.39%	-63.66%	32.19%	22.37%	14.59%	29.09%	-84.20%	33.49%	21.73%	41.35%	27.84%	30.63%	7.23%	44.95%	-15.71%	-46.14%	-22.08%	54.03%	10.04%	20.50%	-10.08%	35.25%	25.72%	12.26%	24.70%	15.96%	-3.35%	21.09%	30.11%
FCF Margin		19.27%	13.42%	11.50%	15.83%	14.85%	11.11%	5.17%	-6.15%	14.51%	9.42%	14.10%	10.59%	15.65%	18.32%	4.44%	16.67%	24.22%	20.90%	10.51%	17.87%	21.72%	18.62%	16.50%	19.15%	21.99%	25.02%	18.99%	16.78%	23.75%	21.04%	8.60%	21.65%	20.82%	20.91%	12.09%	19.26%	18.43%	48.87%	8.89%	13.96%	23.29%	14.82%	11.06%	15.84%	22.23%	14.29%	15.36%	24.10%	33.22%	14.40%	11.46%	31.19%	35.14%	33.49%	10.98%	21.92%	31.87%	16.95%	11.79%	28.97%	27.29%	25.14%	11.96%	22.69%	29.76%
Efficiency
Assets Average						14.84B	15.08B	15.23B	15.54B	15.56B	15.52B	15.83B	16.06B	16.28B	16.51B	16.79B	17.04B	17.19B	17.50B	17.80B	18.14B	18.40B	18.61B	18.82B	18.89B	18.82B	18.82B	19.17B	19.80B	20.30B	20.42B	20.57B	21.00B	21.41B	21.72B	21.66B	21.61B	22.12B	22.21B	22.64B	23.84B	24.54B	25.07B	24.39B	24.41B	25.91B	26.96B	27.93B	29.00B	29.79B	30.65B	30.82B	29.72B	28.70B	28.97B	30.10B	30.91B	31.13B	31.84B	33.25B	34.26B	35.91B	36.76B	36.89B	38.06B	39.70B
Equity Average		4.38B	4.69B	4.81B	4.80B	4.87B	5.01B	5.05B	5.07B	4.90B	4.90B	5.12B	5.18B	5.25B	4.69B	4.90B	5.74B	5.76B	5.04B	5.22B	6.26B	6.36B	5.44B	5.56B	6.55B	6.42B	5.56B	5.75B	6.85B	7.05B	6.08B	6.15B	7.31B	7.45B	6.35B	6.56B	7.93B	8.12B	7.98B	8.13B	8.88B	9.25B	9.31B	8.65B	8.65B	9.50B	9.91B	10.61B	11.50B	11.85B	12.24B	12.36B	11.32B	9.99B	10.00B	10.65B	10.89B	10.83B	11.36B	12.38B	12.72B	13.29B	13.87B	13.83B	14.01B	14.85B
Invested Capital	4.14B	4.63B	5.55B	4.87B	5.53B	5.80B	5.80B	5.89B	5.83B	5.55B	5.82B	6.00B	5.93B	6.15B	4.81B	6.58B	6.49B	6.61B	5.06B	6.96B	7.13B	7.17B	5.29B	7.40B	7.29B	7.14B	5.55B	7.52B	7.76B	7.91B	5.82B	8.04B	8.16B	8.31B	5.97B	8.73B	8.70B	9.12B	8.41B	9.42B	9.92B	10.16B	10.04B	8.83B	10.05B	10.53B	10.87B	11.93B	12.65B	12.63B	13.42B	12.88B	11.34B	10.22B	11.35B	11.53B	11.82B	11.41B	12.89B	13.44B	13.57B	14.59B	14.72B	14.51B	15.09B	16.20B
Asset Utilization Ratio						0.27	0.25	0.25	0.25	0.24	0.24	0.24	0.24	0.25	0.25	0.25	0.25	0.26	0.26	0.26	0.26	0.26	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.26	0.26	0.25	0.26	0.28	0.24	0.28	0.28	0.26	0.32	0.30	0.33	0.33	0.34	0.35	0.33	0.30	0.31	0.30	0.29	0.30	0.25	0.26	0.28	0.28	0.32	0.33	0.32	0.34	0.31	0.30	0.31	0.30
Leverage & Solvency
Interest Coverage Ratio	8.50	9.07	10.08	9.29	10.00	9.85	9.29	10.08	9.43	10.00	9.43	9.36	10.15	9.43	10.46	9.85	9.36	10.23	9.79	9.64	10.46	10.62	10.77	10.69	10.77	10.21	11.54	11.15	11.46	11.38	10.93	11.46	11.62	11.77	11.14	11.54	11.85	11.00	12.38	12.08	12.31	11.50	12.92	12.69	11.86	12.85	12.29	13.38	13.46	13.77	13.29	14.23	15.00	13.79	16.00	15.00	16.92	17.31	17.07	18.85	17.29	19.85	21.54	21.54	20.36	22.69
Debt to Equity							0.16				0.16	0.16	0.16	0.15	0.21	0.14	0.15	0.14	0.20	0.14	0.13	0.13	0.18	0.12	0.13	0.13	0.17	0.12	0.12	0.12	0.16	0.11	0.11	0.11	0.16	0.10	0.10	0.10	0.11	0.10	0.09	0.09	0.09	0.11	0.09	0.09	0.08	0.08	0.07	0.07	0.07	0.07	0.08	0.09	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.06
Debt Ratio							0.05				0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.02	0.02	0.02	0.02	0.02	0.02
Equity Ratio			0.33		0.32	0.33	0.33	0.33	0.32	0.31	0.32	0.32	0.32	0.33	0.24	0.34	0.33	0.34	0.24	0.34	0.35	0.35	0.24	0.35	0.34	0.34	0.25	0.35	0.35	0.35	0.25	0.35	0.35	0.35	0.24	0.37	0.36	0.37	0.35	0.37	0.38	0.38	0.36	0.34	0.36	0.37	0.37	0.39	0.40	0.40	0.40	0.40	0.36	0.33	0.36	0.35	0.35	0.34	0.37	0.38	0.37	0.37	0.38	0.37	0.37	0.38
Times Interest Earned	8.50	9.07	10.08	9.29	10.00	9.85	9.29	10.08	9.43	10.00	9.43	9.36	10.15	9.43	10.46	9.85	9.36	10.23	9.79	9.64	10.46	10.62	10.77	10.69	10.77	10.21	11.54	11.15	11.46	11.38	10.93	11.46	11.62	11.77	11.14	11.54	11.85	11.00	12.38	12.08	12.31	11.50	12.92	12.69	11.86	12.85	12.29	13.38	13.46	13.77	13.29	14.23	15.00	13.79	16.00	15.00	16.92	17.31	17.07	18.85	17.29	19.85	21.54	21.54	20.36	22.69
Dividends & Payouts
FCF Payout Ratio		0.32	0.41	0.62	0.45	0.40	0.61	1.33	-1.05	0.47	0.71	0.46	0.59	0.39	0.56	1.33	0.35	0.23	0.73	0.54	0.33	0.25	0.82	0.33	0.29	0.26	0.72	0.29	0.33	0.23	0.89	0.59	0.27	0.28	0.55	0.54	0.29	0.24	0.24	0.44	0.34	0.23	0.28	0.56	0.22	0.19	0.25	0.28	0.18	0.17	0.21	0.51	0.20	0.16	0.17	0.43	0.20	0.18	0.20	0.34	0.17	0.14	0.20	0.41	0.18	0.12
Valuation
Enterprise Value	-0.25B	-0.45B	-0.56B	-0.40B	-0.33B	-0.45B	-0.39B	-0.38B	-0.31B	-0.31B	-0.44B	-0.42B	-0.26B	-0.42B	-0.49B	-0.38B	-0.38B	-0.51B	-0.43B	-0.52B	-0.46B	-0.41B	-0.59B	-0.67B	-0.56B	-0.49B	-0.54B	-0.61B	-0.55B	-0.70B	-0.78B	-0.54B	-0.61B	-0.67B	-0.66B	-0.60B	-0.52B	-0.62B	-0.78B	-0.80B	-0.80B	-0.79B	-0.20B	-0.49B	-0.71B	-0.91B	-0.02B	-0.95B	-1.00B	-1.08B	-0.21B	-0.99B	-1.10B	-1.08B	-0.12B	-0.95B	-0.75B	-0.90B	-0.91B	-0.62B	-0.77B	-1.75B	-1.28B	-1.11B	-1.09B	-1.61B
Return Ratios
Return on Sales	0.00%	0.17%	0.22%	0.08%	0.01%	0.15%	0.14%	0.05%	-0.05%	-0.01%	0.12%	0.09%	0.02%	0.11%	0.18%	0.14%	0.10%	0.11%	0.10%	0.08%	0.07%	0.14%	0.13%	0.10%	0.13%	0.14%	0.12%	0.14%	0.09%	0.13%	0.08%	0.13%	0.07%	0.07%	0.45%	-0.06%	0.14%	0.37%	-0.64%	0.32%	0.22%	0.15%	0.29%	-0.84%	0.33%	0.22%	0.41%	0.28%	0.31%	0.07%	0.45%	-0.16%	-0.46%	-0.22%	0.54%	0.10%	0.20%	-0.10%	0.35%	0.26%	0.12%	0.25%	0.16%	-0.03%	0.21%	0.30%
Return on Invested Capital				0.07%	0.07%	0.06%	0.07%	0.06%	0.07%	0.07%	0.06%	0.06%	0.06%	0.06%	0.07%	0.07%	0.06%	0.06%	0.07%	0.07%	0.06%	0.06%	0.06%	0.06%	0.05%	0.06%	0.06%	0.06%	0.05%	0.05%	0.06%	0.06%	0.05%	0.06%	0.12%	0.16%	0.11%	0.10%	0.11%	0.07%	0.06%	0.05%	0.05%	0.18%	0.06%	0.05%	0.05%	0.05%	0.05%	0.05%	0.04%	0.04%	0.05%	0.01%	0.05%	0.00%	0.06%	0.06%	0.06%	0.05%	0.05%	0.06%	0.06%	0.06%	0.06%	0.06%
Return on Assets						0.03%	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%	0.01%	0.02%	0.02%	0.03%	0.03%	0.03%	0.03%	0.03%	0.02%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.04%	0.03%	0.03%	0.03%	0.03%	0.03%	0.02%	0.05%	0.04%	0.04%	0.07%	0.02%	0.05%	0.06%	0.04%	0.08%	0.00%	0.02%	0.03%	0.05%	0.11%	0.10%	0.09%	0.10%	0.07%	0.02%	0.00%	-0.02%	0.00%	0.04%	0.05%	0.05%	0.07%	0.06%	0.09%	0.06%	0.04%	0.05%	0.05%
Return on Equity				0.10%	0.10%	0.10%	0.07%	0.07%	0.06%	0.03%	0.02%	0.03%	0.04%	0.06%	0.09%	0.10%	0.10%	0.10%	0.10%	0.09%	0.07%	0.08%	0.10%	0.10%	0.10%	0.10%	0.11%	0.12%	0.09%	0.09%	0.10%	0.10%	0.08%	0.07%	0.16%	0.12%	0.11%	0.18%	0.05%	0.14%	0.16%	0.10%	0.21%	0.01%	0.06%	0.08%	0.13%	0.29%	0.25%	0.22%	0.24%	0.17%	0.05%	0.00%	-0.05%	0.00%	0.12%	0.14%	0.15%	0.18%	0.16%	0.23%	0.17%	0.10%	0.13%	0.14%

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Cincinnati Financial Ratios (2009-2025) | CINF

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