Is CINF halal?
Cincinnati Financial Corporatio
Not halal
Cincinnati Financial Corporatio did not pass AAOIFI screening. The failed check is shown below.
Checked: 16 October 2026
Exchange
NASDAQ
Price
171.25
Day
+2.41%
Market cap
$26.02B
Industry
Insurance - Property & Casualty
Sector
Financial Services
What the company does
Cincinnati Financial sells business, auto and home insurance through independent agents. Revenue comes from premiums and investing reserves (it holds a large stock portfolio).
What was checked
The AAOIFI standard has four steps: business activity first, then three financial ratios. Fail one and the stock is not halal.
Business activity
Prohibited activity: Insurance - Property & Casualty
Interest-bearing debt / market cap
limit 30%
Interest-bearing debt $884.00M ÷ 36-month average market cap $21.86B = 4.0%
4.0%
Pass
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $2.10B ÷ 36-month average market cap $21.86B = 9.6%
9.6%
Pass
Non-compliant income / total revenue
limit 5%
Interest income $1.16B ÷ annual revenue $12.63B (2025) = 9.1%
9.1%
Fail
Figures from the company's filings (2026-03-31), USD. Market cap is a 36-month average (the S&P Shariah index approach), so a one-day price move does not flip the verdict. Today's market cap: $26.02B.
For information (AAOIFI 3/1 note): cash + receivables are 15.6% of total assets (2026-03-31). AAOIFI recommends tangible assets of at least one third — this figure does not affect the verdict, and other major screeners do not apply it either.
In the lists
- In the S&P 500
- 0.04% weight · #339 of 503
- Held by funds
- Not held by any tracked fund
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This is neither investment advice nor a fatwa. Screening is based on public financial statements and AAOIFI standard No. 21; data may lag. For a personal decision consult your own scholar.