CINFCINCINNATI FINANCIAL CORP
Fire, Marine & Casualty Insurance
- Revenue
- $12.6B
- 11% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $35.9B
- Employees
- 5,705
- $2M revenue each
- Net debt / EBITDA
- —
- −$381M net debt
- AI in 10-K
- 0.8
- mentions per 10K words
Takeover score 0 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo130% of net incomeCash flow under 80% of net income
- Dilutive SBCNo0% of revenueOver 10% of revenue
- Payouts exceed cash flowNo23% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo—Over 40% of assets
- Shareholder dissentNo96% lowest supportAny vote under 80% support
Buyer economics 0 of 4
- Low revenue per employeeNo$2M · 64th pctBottom quartile of its SIC industry
- Quiet on AINo0.8 per 10K words · 29th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$35.9B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$976K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $9.6B | $6.6B | $10.0B | $11.3B | $12.6B | 11% |
| Net income | $3.0B | −$487M | $1.8B | $2.3B | $2.4B | 4.4% |
| Operating cash flow | $2.0B | $2.1B | $2.1B | $2.6B | $3.1B | 17% |
| Capex | $15M | $15M | $18M | $22M | $20M | 9.1% |
| Stock-based comp | $33M | — | — | — | — | |
| Buybacks | $144M | $410M | $67M | $126M | $205M | 63% |
| Dividends | $395M | $423M | $454M | $490M | $525M | 7.1% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $357K · 3
- Open-market sells, 12 mo
- $1M · 1
- Net
- −$976K
Pay vs performance
No pay-versus-performance disclosure yet.