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Is Cincinnati Financial stock halal?

Cincinnati Financial (CINF) · Financials · Property & Casualty Insurance

Cincinnati Financial's main business is one every Shariah standard excludes.

What official bodies say

Haram-leaningPublished decisions on record

Main business: conventional insurance. Every Shariah standard excludes this business: AAOIFI Shariah Standard 21, the SC Malaysia benchmarks and the S&P, FTSE and MSCI Shariah indices. SC Malaysia SAC screening methodology

Get an email when a recognised body rules on Cincinnati Financial

Only when a body publishes or changes a position. You confirm by email first and can stop in one click. A report of what was published, not a fatwa or advice.

The ratios, as plain facts

Interest-bearing debt / total assetsSC Malaysia benchmark: under 33%
1.9%under 33%
Cash and short-term investments / total assetsSC Malaysia benchmark: under 33% (conventional cash)
3.2%under 33%
Interest income / revenueSC Malaysia business benchmark: non-compliant income under 5%
6.9%at or above 5%

Balance sheet as of 30 Sep 2026, income for the fiscal year to 31 Dec 2025, from Cincinnati Financial's XBRL filings with the US SEC. Total assets $42.6B, debt $791M, revenue $12.6B. Read the filings

These are the SC Malaysia financial benchmarks applied to US filings, for comparison only. AAOIFI, DJIM and S&P measure debt against market value instead, which needs live share prices; those ratios are coming. Some companies report interest income inside other lines, so a missing figure is not zero.

Deengen does not issue fatwas or verdicts. Labels summarise decisions published by regulators, Shariah index boards and Shariah-supervised funds, dated and linked. Ratios are arithmetic from the company's own filings, shown next to published benchmarks, not a ruling. Nothing here is a recommendation to buy, sell or hold. Capital at risk. Ask a qualified scholar for a ruling that applies to you.