Is Cincinnati Financial (CINF) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 25.0% | |
| Operating Margin | 27.6% | |
| Net Margin | 18.9% | |
| Return on Equity (ROE) | 16.0% | |
| Return on Assets (ROA) | 4.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $3.1B |
| Free Cash Flow | $3.1B |
| Total Debt | $886M |
| Debt-to-Equity | 5.6 |
| Current Ratio | 0.6 |
| Total Assets | $41.0B |
Price & Trading
| Last Close | $157.56 |
| 50-Day MA | $162.80 |
| 200-Day MA | $157.93 |
| Avg Volume | 769K |
| Beta | 0.6 |
|
52-Week Range
$123.02
| |
About Cincinnati Financial (CINF)
Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance; universal life insurance; and worksite and whole life insurance products, as well as annuities. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. The company was founded in 1950 and is headquartered in Fairfield, Ohio.
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Frequently Asked Questions
Is Cincinnati Financial (CINF) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Cincinnati Financial is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Cincinnati Financial's debt ratio?
Cincinnati Financial's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Cincinnati Financial's key financial metrics?
Cincinnati Financial has a market capitalization of $23.9B, trailing P/E ratio of 10.1, and revenue of $12.6B. The company maintains a gross margin of 25.0% and a net margin of 18.9%. Return on equity stands at 16.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.