Cincinnati Financial Corporation

CINFNASDAQFinancial Services● Active

$163.19

$-2.10(-1.27%)

Market Cap$25.2B

P/E Ratio—

52W High$174.27

52W Low$143.37

Avg Volume738K

Open$165.29

Beta0.58

Overview

Cincinnati Financial Corporation (CINF) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

CINF · free cash flow · updated Jun 8, 2026

Core FCF metrics

CINF · FCF · TTM · margin & CAGR

Free cash flow was $3.09B for FY2025 (fiscal year ending 2025-12-31), up 17.7% year-over-year The FCF margin was 24.5%. Five-year CAGR stands at +16.0%.

FY2025 Free Cash Flow$3.09B▲ +17.7% YoY

Trailing 12M (TTM)$3.45Btrailing 4 quarters sum

FCF Margin24.5%$3.09B ÷ revenue

3-Year CAGR+14.9%FY2022 → FY2025

5-Year CAGR+16.0%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

CINF · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$3.11B(20M)$3.09B▲ +17.7%24.5%

FY2024$2.65B(22M)$2.63B▲ +29.2%23.2%

FY2023$2.05B(18M)$2.03B▼ 0.1%20.3%

FY2022$2.05B(15M)$2.04B▲ +3.6%31.0%

FY2021$1.98B(15M)$1.97B▲ +33.7%20.4%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

CINF · P/FCF · FCF yield · FCF per share

Cincinnati Financial Corporation (CINF) trades at a FCF yield of 13.65% and a price-to-free-cash-flow ratio of 7.5x. FCF per share stands at $21.86, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

13.65%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$21.86

TTM FCF ÷ Shares Outstanding

Price / FCF

x7.5

Share Price ÷ FCF per Share

EV / FCF (TTM)

x7.2

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

CINF · cash flow statement · operating / investing / financing

For FY2025, Cincinnati Financial Corporation generated $3.11B in operating cash flow and spent 20M in capital expenditures, yielding $3.09B in free cash flow.

Operating Activities

+$3.11B

Cash from core business operations

2025-12-31

Investing Activities

−$1.69B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$973.0M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($3.11B) − |CapEx| (20M) = FCF ($3.09B)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

CINF vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Cincinnati Financial CorporationYOU

CINF

$3.09B+17.7%24.5%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Cincinnati Financial Corporation (CINF) reported free cash flow of $3.09B for FY2025 (fiscal year ending 2025-12-31), up 17.7% year-over-year. The FCF margin was 24.5%.

Based on available data, Cincinnati Financial Corporation has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $3.09B in FY2025. The 5-year CAGR stands at +16.0%.

Cincinnati Financial Corporation's FCF yield is 13.65% and price-to-FCF ratio is 7.5x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

CINF free cash flow · 8 questions

Cincinnati Financial Corporation free cash flow was $3.09B for FY2025, up 17.7% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $3.45B.

CINF free cash flowCINF FCFCINF FCF 2025CINF free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Cincinnati Financial Corporation · Cincinnati Financial Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026