CINF (Cincinnati Financial) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Cincinnati Financial LT-Debt-to-Total-Asset?

Cincinnati Financial CINF -0.55% 69 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates CINF with a GF Score™ of 69/100 and a GF Value™ of $164.46 (Modestly Overvalued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Cincinnati Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Cincinnati Financial's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.02). It may suggest that Cincinnati Financial is progressively becoming less dependent on debt to grow their business.

Cincinnati Financial (NAS:CINF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Cincinnati Financial LT-Debt-to-Total-Asset Related Terms

Cincinnati Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Cincinnati Financial's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Cincinnati Financial LT-Debt-to-Total-Asset Chart

Cincinnati Financial Annual Data

Trend

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Dec25

LT-Debt-to-Total-Asset

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0.03

0.02

Cincinnati Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.02	0.02	0.02

69GF Score

Cincinnati Financial Corp CINF

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Cincinnati Financial LT-Debt-to-Total-Asset Calculation

Cincinnati Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	861	/	41002
	=	0.02

Cincinnati Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	859	/	41211
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Cincinnati Financial (CINF) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Cincinnati Financial and its competitors.

Is Cincinnati Financial's LT-Debt-to-Total-Asset too high?

Cincinnati Financial's current LT-Debt-to-Total-Asset is 0.02. Overall, Cincinnati Financial has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Cincinnati Financial's LT-Debt-to-Total-Asset compare to WRB and MKL?

Cincinnati Financial's LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for an Insurance company?

A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Cincinnati Financial and its competitors. Cincinnati Financial's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Cincinnati Financial stock overvalued right now?

Based on GuruFocus' analysis, Cincinnati Financial (CINF) is currently considered Modestly Overvalued. The stock's GF Value™ is $164.46, compared to a current price of $185.13 — trading 12.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Cincinnati Financial's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Cincinnati Financial (CINF) Overvalued in 2026?

Based on GuruFocus' analysis, Cincinnati Financial stock appears to be overvalued. The current stock price of $185.13 is trading 12.6% above its estimated GF Value™ of $164.46. GuruFocus considers Cincinnati Financial to be Modestly Overvalued.

Key valuation signals for CINF:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $164.46 vs. price of $185.13 (12.6% above fair value)
GF Score™: 69/100 with 5 warning signs

No single metric tells the full story. See the CINF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Cincinnati Financial Business Description

Industry Financial Services Insurance

Comparable Companies WRB MKL L AIZ CNA AFG ORI KNSL THG MCY CB PGR TSE:8766 TRV ALL HKSE:01339 HKSE:02328 TSE:8725 TSX:IFC TSX:FFH

Other Exchanges 0HYE:UK CCJ:Germany

Address 6200 S. Gilmore Road, Fairfield, OH, USA, 45014-5141

Website https://www.cinfin.com

Cincinnati Financial Corp is a property and casualty insurance company that generates income through written premiums. A select group of independent agencies actively markets the company's business, home, and automotive insurance within their communities. These agents offer the company's personal lines as well as its standard market, excess, and surplus commercial line policies in many regions in the United States. Cincinnati Financial also offers leasing and financing services. The company operates in segments: Commercial lines insurance, Personal lines insurance, Excess and surplus lines insurance, Life insurance, and Investments. The vast majority of the company's revenue is generated through commercial lines, followed by personal lines.

69GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$185.13

Price

$164.46

GF Value

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