Cincinnati Financial vs OLD Republic International
Cincinnati Financial is the larger business, with $12.63bn of revenue in fiscal 2025 against $9.14bn for OLD Republic International (1.4 times as much). Cincinnati Financial grew faster (11.4% against 11.0%). Cincinnati Financial kept more of each dollar of sales as profit: a net margin of 18.9% against 10.2%. Cincinnati Financial carries less debt relative to equity (5.4% against 26.9%).
| Latest fiscal year | Cincinnati FinancialCINF, 2025 | OLD Republic InternationalORI, 2025 |
|---|---|---|
| Revenue | $12.63bn | $9.14bn |
| Revenue growth | 11.4% | 11.0% |
| Net income | $2.39bn | $935m |
| Operating margin | — | — |
| Net margin | 18.9% | 10.2% |
| Return on equity | 16.0% | 16.2% |
| Free cash flow | $3.09bn | — |
| Cash | $1.43bn | $263m |
| Total debt | $861m | $1.59bn |
| Debt to equity | 5.4% | 26.9% |
| Dividend per share | $3.48 | $3.66 |
| Dividend yield | 1.9% | — |
| Share buybacks | $205m | $124m |
| Employees | 5,705 | — |
| Market value | $28.66bn | $9.56bn |
| Price vs our value range | — | — |
| Moat score | 66 (Moderate) | 68 (Moderate) |
| Insider trades, 12 months | 3 buys, 1 sales | 5 buys, 8 sales |