Cincinnati Financial Corporation (CINF) — Cash Flow Quality Index
Cincinnati Financial Corporation (CINF) has a Cash Flow Quality Index of 0.56x as of June 2026. Operating cash flow of $700.00 Million is below net income of $1.25 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore CINF debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cincinnati Financial Corporation Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for Cincinnati Financial Corporation across 36 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Cincinnati Financial Corporation (CINF) cash conversion ratio.
Annual Cash Flow Quality Index for Cincinnati Financial Corporation (1989–2025)
Year-by-year earnings quality comparison for Cincinnati Financial Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.30x | $3.11 Billion | $2.39 Billion | ▲ +12.5% |
| 2024 | 1.16x | $2.65 Billion | $2.29 Billion | ▲ +3.8% |
| 2023 | 1.11x | $2.05 Billion | $1.84 Billion | ▲ +65.6% |
| 2021 | 0.67x | $1.98 Billion | $2.95 Billion | ▼ -45.2% |
| 2020 | 1.23x | $1.49 Billion | $1.22 Billion | ▲ +102.7% |
| 2019 | 0.60x | $1.21 Billion | $2.00 Billion | ▼ -85.3% |
| 2018 | 4.11x | $1.18 Billion | $287.00 Million | ▲ +308.8% |
| 2017 | 1.01x | $1.05 Billion | $1.04 Billion | ▼ -46.1% |
| 2016 | 1.87x | $1.10 Billion | $591.00 Million | ▲ +11.2% |
| 2015 | 1.68x | $1.06 Billion | $634.00 Million | ▲ +0.9% |
| 2014 | 1.66x | $873.00 Million | $525.00 Million | ▲ +8.0% |
| 2013 | 1.54x | $796.00 Million | $517.00 Million | ▲ +1.6% |
| 2012 | 1.52x | $638.00 Million | $421.00 Million | ▲ +0.6% |
| 2011 | 1.51x | $247.00 Million | $164.00 Million | ▲ +6.9% |
| 2010 | 1.41x | $531.00 Million | $377.00 Million | ▲ +15.9% |
| 2009 | 1.22x | $525.00 Million | $432.00 Million | ▲ +7.7% |
| 2008 | 1.13x | $484.00 Million | $429.00 Million | ▲ +36.8% |
| 2007 | 0.82x | $705.00 Million | $855.00 Million | ▲ +24.7% |
| 2006 | 0.66x | $615.00 Million | $930.00 Million | ▼ -50.5% |
| 2005 | 1.34x | $805.00 Million | $602.00 Million | ▼ -5.1% |
| 2004 | 1.41x | $823.00 Million | $584.00 Million | ▼ -35.4% |
| 2003 | 2.18x | $816.00 Million | $374.00 Million | ▼ -22.1% |
| 2002 | 2.80x | $667.00 Million | $238.00 Million | ▲ +0.2% |
| 2001 | 2.80x | $540.00 Million | $193.00 Million | ▼ -7.5% |
| 2000 | 3.02x | $358.00 Million | $118.36 Million | ▲ +10.7% |
| 1999 | 2.73x | $697.00 Million | $255.00 Million | ▲ +141.4% |
| 1998 | 1.13x | $273.58 Million | $241.57 Million | ▼ -20.6% |
| 1997 | 1.43x | $426.96 Million | $299.38 Million | ▲ +3.5% |
| 1996 | 1.38x | $308.34 Million | $223.76 Million | ▼ -19.6% |
| 1995 | 1.71x | $389.51 Million | $227.35 Million | ▲ +5.0% |
| 1994 | 1.63x | $328.48 Million | $201.23 Million | ▼ -9.1% |
| 1993 | 1.80x | $363.19 Million | $202.20 Million | ▼ -6.5% |
| 1992 | 1.92x | $329.10 Million | $171.30 Million | ▼ -14.5% |
| 1991 | 2.25x | $328.70 Million | $146.30 Million | ▲ +24.7% |
| 1990 | 1.80x | $232.40 Million | $129.00 Million | ▼ -16.5% |
| 1989 | 2.16x | $247.10 Million | $114.50 Million | — |