A

Cincinnati Financial Corporatio — Earnings Quality Grade A

CINF · Financial Services

Strong financial health

Revenue
$12.6B
2025
Net Income
$2.4B
2025
Gross Margin
Free Cash Flow
$3.1B
01

Screening Summary

12
Passed
0
Watch
0
Failed
M-Score

管理层信号

最近 SEC 8-K 文件中未发现 CEO、CFO、董事会或审计负责人变动信号。
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO 110 days, change -3 days YoY

A2AR vs Revenue Growth

AR growth 8.7% vs revenue growth 11.4%

A3Revenue vs CFFO

Revenue 11.4%, CFFO 17.5%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

B2CapEx vs Revenue

CapEx growth -9.1% vs revenue 11.4%. Normal

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.30. Profits backed by cash

C2Free Cash Flow

FCF $3.1B, FCF/NI = 1.29

C3Accruals Ratio

Accruals ratio = -1.8%. Low accruals

C4Cash vs Debt

Cash $19.7B covers debt $0.9B

04

Balance Sheet Health

D1Goodwill + Intangibles

No goodwill. Clean balance sheet

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

No goodwill

06

Manipulation Score

F1Beneish M-Score

Insufficient data

持仓监控

把 CINF 放进持续监控

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Altman Z-Score — Not Applicable

Cincinnati Financial Corporatio is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25