Cincinnati Financial Corporation Net Assets

Latest as of June 2026: $16.62 Billion USD

Cincinnati Financial Corporation net assets. Based on the latest financial reports, Cincinnati Financial Corporation (CINF) has net assets worth $16.62 Billion USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($43.08 Billion) and total liabilities ($26.45 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore Cincinnati Financial Corporation equity growth rate to track the company's year-over-year net asset growth rate.

Key Net Assets Metrics

Metric	Value
Current Net Assets	$16.62 Billion
% of Total Assets	38.59%
Annual Growth Rate	9.2%
5-Year Change	21.41%
10-Year Change	125.37%
Growth Volatility	15.33

Net Assets of Cincinnati Financial Corporation (1985–2025)

Net assets of Cincinnati Financial Corporation from 1985 to 2025. This chart illustrates how Cincinnati Financial Corporation's net assets have evolved over time, based on quarterly financial data. See Cincinnati Financial Corporation (CINF) balance sheet quality index to measure how much of total assets are equity-financed.

Annual Net Assets for Cincinnati Financial Corporation (1985–2025)

The table below shows the annual net assets of Cincinnati Financial Corporation from 1985 to 2025. For live market cap and overall valuation, see CINF company net worth.

Year	Net Assets	Change
2025-12-31	$15.91 Billion	+14.18%
2024-12-31	$13.94 Billion	+15.18%
2023-12-31	$12.10 Billion	+14.54%
2022-12-31	$10.56 Billion	-19.40%
2021-12-31	$13.11 Billion	+21.47%
2020-12-31	$10.79 Billion	+9.38%
2019-12-31	$9.86 Billion	+25.93%
2018-12-31	$7.83 Billion	-4.97%
2017-12-31	$8.24 Billion	+16.76%
2016-12-31	$7.06 Billion	+9.85%
2015-12-31	$6.43 Billion	-2.22%
2014-12-31	$6.57 Billion	+8.29%
2013-12-31	$6.07 Billion	+11.31%
2012-12-31	$5.45 Billion	+7.87%
2011-12-31	$5.05 Billion	+0.46%
2010-12-31	$5.03 Billion	+5.71%
2009-12-31	$4.76 Billion	+13.82%
2008-12-31	$4.18 Billion	-29.47%
2007-12-31	$5.93 Billion	-12.91%
2006-12-31	$6.81 Billion	+11.86%
2005-12-31	$6.09 Billion	-2.61%
2004-12-31	$6.25 Billion	+0.73%
2003-12-31	$6.20 Billion	+12.09%
2002-12-31	$5.54 Billion	-7.72%
2001-12-31	$6.00 Billion	+0.05%
2000-12-31	$6.00 Billion	+10.58%
1999-12-31	$5.42 Billion	-3.55%
1998-12-31	$5.62 Billion	+19.16%
1997-12-31	$4.72 Billion	+49.13%
1996-12-31	$3.16 Billion	+19.00%
1995-12-31	$2.66 Billion	+37.01%
1994-12-31	$1.94 Billion	-0.37%
1993-12-31	$1.95 Billion	+13.63%
1992-12-31	$1.71 Billion	+18.90%
1991-12-31	$1.44 Billion	+43.15%
1990-12-31	$1.01 Billion	-1.31%
1989-12-31	$1.02 Billion	+25.10%
1988-12-31	$815.60 Million	+28.66%
1987-12-31	$633.90 Million	+9.26%
1986-12-31	$580.20 Million	+23.37%
1985-12-31	$470.30 Million	--

Equity Component Analysis

This analysis shows how different components contribute to Cincinnati Financial Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 6794.4% over the analyzed period, indicating profitable operations and earnings retention.

Cincinnati Financial Corporation Net Assets Breakdown (December 2025)

Cincinnati Financial Corporation net assets breakdown by equity component as of December 2025.

Component	Amount	Percentage
Retained Earnings	$16.72 Billion	105.08%
Common Stock	$397.00 Million	2.50%
Other Comprehensive Income	$-34.00 Million	-0.21%
Total Equity	$15.91 Billion	100.00%

Cincinnati Financial Corporation Competitors by Market Cap

The table below lists competitors of Cincinnati Financial Corporation ranked by their market capitalization.

Company	Market Cap
Nestle India Limited NSE:NESTLEIND	$26.03 Billion
Synchrony Financial NYSE:SYF	$26.04 Billion
Accton Technology Corp TW:2345	$26.06 Billion
H+M HEN.+MAU.UNSP.ADR 1/5 F:HMSA	$26.09 Billion
SUMITOMO EL.IND.ADR F:SMO1	$25.89 Billion
Hershey Co NYSE:HSY	$25.87 Billion
Kinross Gold Corp TO:K	$25.84 Billion
King Slide Works Co Ltd TW:2059	$25.82 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Cincinnati Financial Corporation's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 13,935,000,000 to 15,911,000,000, a change of 1,976,000,000 (14.2%).
Net income of 2,393,000,000 contributed positively to equity growth.
Dividend payments of 525,000,000 reduced retained earnings.
Share repurchases of 205,000,000 reduced equity.
Other comprehensive income increased equity by 275,000,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	$2.39 Billion	+15.04%
Dividends Paid	$525.00 Million	-3.3%
Share Repurchases	$205.00 Million	-1.29%
Other Comprehensive Income	$275.00 Million	+1.73%
Other Changes	$38.00 Million	+0.24%
Total Change	$-	14.18%

Book Value vs Market Value Analysis

This analysis compares Cincinnati Financial Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 1.89x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
The price-to-book ratio has decreased from 67.03x to 1.89x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
1985-12-31	$2.84	$190.48	x
1986-12-31	$3.46	$190.48	x
1987-12-31	$3.80	$190.48	x
1988-12-31	$4.59	$190.48	x
1989-12-31	$5.65	$190.48	x
1990-12-31	$5.59	$190.48	x
1991-12-31	$7.95	$190.48	x
1992-12-31	$9.30	$190.48	x
1993-12-31	$10.38	$190.48	x
1994-12-31	$10.32	$190.48	x
1995-12-31	$13.93	$190.48	x
1996-12-31	$16.55	$190.48	x
1997-12-31	$25.05	$190.48	x
1998-12-31	$29.63	$190.48	x
1999-12-31	$29.10	$190.48	x
2000-12-31	$33.17	$190.48	x
2001-12-31	$33.50	$190.48	x
2002-12-31	$31.11	$190.48	x
2003-12-31	$34.76	$190.48	x
2004-12-31	$35.03	$190.48	x
2005-12-31	$34.36	$190.48	x
2006-12-31	$38.80	$190.48	x
2007-12-31	$34.44	$190.48	x
2008-12-31	$25.60	$190.48	x
2009-12-31	$29.23	$190.48	x
2010-12-31	$30.83	$190.48	x
2011-12-31	$30.96	$190.48	x
2012-12-31	$33.32	$190.48	x
2013-12-31	$36.70	$190.48	x
2014-12-31	$39.81	$190.48	x
2015-12-31	$38.81	$190.48	x
2016-12-31	$42.40	$190.48	x
2017-12-31	$49.66	$190.48	x
2018-12-31	$47.62	$190.48	x
2019-12-31	$59.75	$190.48	x
2020-12-31	$66.43	$190.48	x
2021-12-31	$80.55	$190.48	x
2022-12-31	$66.51	$190.48	x
2023-12-31	$76.52	$190.48	x
2024-12-31	$88.31	$190.48	x
2025-12-31	$100.86	$190.48	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Cincinnati Financial Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 15.04%
The company demonstrates strong efficiency in generating profits from shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 18.95%
• Asset Turnover: 0.31x
• Equity Multiplier: 2.58x
Recent ROE (15.04%) is above the historical average (9.76%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
1985	11.16%	8.64%	0.48x	2.67x	$5.47 Million
1986	14.39%	10.76%	0.50x	2.68x	$25.48 Million
1987	14.31%	10.27%	0.49x	2.83x	$27.31 Million
1988	15.78%	14.05%	0.43x	2.60x	$47.14 Million
1989	11.22%	11.75%	0.38x	2.50x	$12.47 Million
1990	12.81%	12.30%	0.41x	2.57x	$28.31 Million
1991	10.15%	12.60%	0.34x	2.38x	$2.16 Million
1992	10.00%	13.14%	0.32x	2.35x	$-55.00K
1993	11.09%	14.98%	0.31x	2.36x	$21.29 Million
1994	10.37%	13.30%	0.32x	2.44x	$7.23 Million
1995	8.55%	13.73%	0.27x	2.30x	$-38.45 Million
1996	7.07%	12.37%	0.26x	2.23x	$-92.53 Million
1997	6.35%	15.41%	0.20x	2.01x	$-172.32 Million
1998	4.30%	11.76%	0.19x	1.97x	$-320.53 Million
1999	4.70%	11.98%	0.18x	2.18x	$-287.13 Million
2000	1.97%	5.06%	0.18x	2.22x	$-481.50 Million
2001	3.22%	7.54%	0.18x	2.32x	$-406.80 Million
2002	4.25%	8.37%	0.20x	2.51x	$-321.80 Million
2003	6.03%	11.76%	0.21x	2.50x	$-246.40 Million
2004	9.35%	16.16%	0.22x	2.58x	$-40.90 Million
2005	9.89%	15.98%	0.24x	2.63x	$-6.60 Million
2006	13.66%	20.44%	0.26x	2.53x	$249.20 Million
2007	14.42%	20.08%	0.26x	2.81x	$262.10 Million
2008	10.26%	11.22%	0.29x	3.20x	$10.80 Million
2009	9.08%	11.07%	0.27x	3.03x	$-44.00 Million
2010	7.45%	9.94%	0.25x	3.00x	$-128.20 Million
2011	3.24%	4.31%	0.24x	3.10x	$-341.50 Million
2012	7.72%	10.24%	0.25x	3.03x	$-124.30 Million
2013	8.52%	11.41%	0.26x	2.91x	$-90.00 Million
2014	7.99%	10.62%	0.26x	2.85x	$-132.30 Million
2015	9.86%	12.33%	0.27x	2.94x	$-8.70 Million
2016	8.37%	10.85%	0.27x	2.89x	$-115.00 Million
2017	12.68%	18.23%	0.26x	2.65x	$220.70 Million
2018	3.66%	5.31%	0.25x	2.80x	$-496.30 Million
2019	20.25%	25.20%	0.31x	2.58x	$1.01 Billion
2020	11.27%	16.14%	0.27x	2.55x	$137.10 Million
2021	22.65%	30.83%	0.31x	2.40x	$1.66 Billion
2022	-4.61%	-7.42%	0.22x	2.81x	$-1.54 Billion
2023	15.23%	18.41%	0.31x	2.71x	$633.20 Million
2024	16.45%	20.22%	0.31x	2.62x	$898.50 Million
2025	15.04%	18.95%	0.31x	2.58x	$801.90 Million

Industry Comparison

This section compares Cincinnati Financial Corporation's net assets metrics with peer companies in the Insurance - Property & Casualty industry.

Industry Context

Industry: Insurance - Property & Casualty
Average net assets among peers: $2,439,847,556
Average return on equity (ROE) among peers: 9.24%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Cincinnati Financial Corporation (CINF)	$16.62 Billion	11.16%	1.59x	$25.96 Billion
American Coastal Insurance Corp (ACIC)	$523.87 Million	-5.70%	3.71x	$441.50 Million
American Financial Group, Inc. (AFG)	$4.92 Billion	13.19%	10.20x	$10.91 Billion
Aspen Insurance Holdings Ltd (AHL)	$2.91 Billion	18.38%	4.23x	$119.39 Million
American Integrity Insurance Group, Inc. (AII)	$133.97 Million	28.21%	5.43x	$386.34 Million
Assurant, Inc. (AIZ)	$3.37 Billion	2.66%	6.24x	$13.93 Billion
The Allstate Corporation (ALL)	$8.43 Billion	5.74%	6.28x	$67.51 Billion
Ategrity Specialty Insurance Company Holdings (ASIC)	$398.81 Million	11.81%	1.82x	$990.91 Million
Bowhead Specialty Holdings Inc. (BOW)	$192.08 Million	13.04%	4.35x	$1.10 Billion
Chubb Ltd (CB)	$1.09 Billion	-4.20%	1.42x	$132.63 Billion

About Cincinnati Financial Corporation

NASDAQ:CINF USA Insurance - Property & Casualty

Market Cap

$29.23 Billion

Market Cap Rank

#1022 Global

#442 in USA

Share Price

$190.48

Change (1 day)

+3.33%

52-Week Range

$153.68 - $192.03

All Time High

$192.03