CINCINNATI FINANCIAL CORP

CINF

CINCINNATI FINANCIAL CORP

CINF

Insider Sentiment (TTM):

Last Purchase:2026-02-11Last Sale:2025-08-15Shares Purchased (TTM):2,140Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:104,345,545Shares Outstanding:155,300,000Institutional Ownership Pct.:67.19%

Earnings Market Reaction:

Filing Date:2026-07-27Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Available For Sale Securities Debt Securities	18,954	18,545	18,123	17,630	17,077	16,523	16,182	15,871	14,409	14,084	13,791	12,843
Investments
Equity Securities Fv Ni Current And Noncurrent	13,194	12,569	12,694	12,547	11,649	11,118	11,185	11,570	11,634	11,557	10,989	10,031
Investments	33,153	32,001	31,783	31,099	29,569	28,481	28,378	28,104	26,684	26,249	25,357	23,408
Short Term Investments	142	49	148	149	100	100	298	-	-	-	0	-
Other Investments	863	838	818	773	743	740	713	663	641	608	577	534
Cash And Cash Equivalents Fair Value Disclosure	-	-	1,431	-	-	-	983	-	-	-	907	-
Cash And Cash Equivalents At Carrying Value	1,750	1,210	-	1,460	995	1,010	-	1,752	771	619	-	899
Accrued Investment Income Receivable	252	247	235	233	223	224	222	199	201	202	192	182
Notes Receivable Net	143	142	-	147	121	122	-	116	111	106	108	103
Premiums Receivable At Carrying Value	3,546	3,321	3,142	3,307	3,420	3,163	2,969	3,012	3,091	2,805	2,592	2,654
Prepaid Reinsurance Premiums	124	95	71	100	130	93	70	94	121	77	55	69
Deferred Policy Acquisition Costs	1,442	1,384	1,344	1,360	1,367	1,297	1,242	1,241	1,229	1,143	1,093	1,101
Other Assets	981	982	995	998	1,063	903	828	785	887	771	681	683
Separate Account Assets	996	988	981	971	991	959	952	943	948	927	925	918
Assets	43,231	41,211	41,002	40,567	38,842	37,276	36,501	37,009	34,802	33,727	32,769	30,915
Liabilities
Liability For Future Poli…
Liability For Claims And Claims Adjustment Expense…	-	-	-	-	-	-	-	-	-	-	9,050	9,077
Liability For Future Policy Benefits And Unpaid Cl…	-	-	2,992	-	-	-	2,960	-	-	-	3,068	-
Liability For Claims And Claims Adjustment Expense	12,479	11,959	-	11,260	11,072	10,780	-	9,928	9,555	9,246	-	-
Liability For Future Policy Benefits	2,986	2,965	-	3,003	2,959	2,968	-	3,069	2,966	3,013	3,068	2,920
Unearned Premiums	5,724	5,424	5,254	5,423	5,444	5,068	4,813	4,874	4,826	4,398	4,119	4,195
Other Liabilities	1,638	1,567	1,638	1,829	1,607	1,416	1,487	1,917	1,391	1,156	1,311	1,315
Deferred Income Tax Liabilities Net	-	-	1,833	-	-	-	1,476	-	-	-	1,324	-
Deferred Income Tax Liabilities	1,861	1,710	-	1,792	1,584	1,489	-	1,600	1,465	1,460	-	997
Property Plant And Equipment Net	211	214	219	213	214	216	214	215	213	211	208	199
Notes Payable	17	25	25	25	25	25	25	25	25	25	25	25
Long Term Debt And Capital Lease Obligations	859	859	861	858	859	853	850	849	849	848	849	844
Separate Accounts Liability	996	988	981	971	991	959	952	943	948	927	925	918
Liabilities	26,560	25,497	25,091	25,161	24,541	23,558	22,566	23,205	22,025	21,073	20,671	20,291
Common Stock Value	397	397	397	397	397	397	397	397	397	397	397	397
Additional Paid In Capital Common Stock	1,582	1,561	1,561	1,543	1,528	1,511	1,502	1,482	1,466	1,446	1,437	1,422
Stockholders Equity
Retained Earnings Accumulated Deficit	17,958	16,848	16,719	16,179	15,193	14,644	14,869	14,591	13,897	13,712	13,084	12,018
Stockholders Equity	16,671	15,714	15,911	15,406	14,301	13,718	13,935	13,804	12,777	12,654	12,098	10,624
Accumulated Other Comprehensive Income Loss Net Of…	-135	-185	-34	-84	-249	-271	-309	-150	-470	-442	-435	-827
Treasury Stock Value	-3,131	-2,907	-2,732	-2,629	-2,568	-2,563	-2,524	-2,516	-2,513	-2,459	-2,385	-2,386
Liabilities And Stockholders Equity	43,231	41,211	41,002	40,567	38,842	37,276	36,501	37,009	34,802	33,727	32,769	30,915
Available For Sale Debt Securities Amortized Cost …	-	-	-	-	-	-	-	-	-	-	-	14,050
Debt Securities Available For Sale Amortized Cost …	19,280	18,946	18,304	17,847	17,535	17,009	16,735	16,074	15,109	14,709	14,361	-
Equity Securities Fv Ni Cost	4,287	4,426	4,155	4,154	4,012	3,964	3,953	4,034	4,278	4,313	4,282	4,399
Accumulated Depreciation Depletion And Amortizatio…	376	373	367	361	355	354	347	342	337	331	337	333
Common Stock Par Or Stated Value Per Share	2	2	2	2	2	2	2	2	2	2	2	2
Common Stock Shares Authorized	500	500	500	500	500	500	500	500	500	500	500	500
Common Stock Shares Issued	198	198	198	198	198	198	198	198	198	198	198	198
Treasury Stock Common Shares	45	44	43	42	42	42	42	42	42	42	41	41

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	1.49%	2.75%	9.74%	-	-	-	-	-	-	-	-	-
2025	7.33%	7.04%	11.60%	5.64%	6.13%	4.61%	5.32%	6.12%	3.42%	-1.54%	4.28%	4.03%
2024	1.37%	-5.21%	4.03%	8.99%	12.90%	14.05%	9.79%	10.11%	-1.37%	6.19%	-2.99%	10.67%
2023	-	-	-	-	-	-	1.21%	2.81%	8.51%	5.33%	7.60%	7.69%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	79.40	65.79	57.23	50.42	43.38	34.53	54.92	72.65	50.65	56.87	43.15	40.11
Per Share Metrics
Diluted EPS TTM	21.37	17.56	15.17	13.45	11.53	9.25	14.52	19.47	13.66	15.03	11.66	10.66
Free Cash Flow Per Share TTM	22.06	22.14	19.81	17.88	16.56	16.55	16.80	16.38	14.72	13.61	12.96	13.34
Dividend Per Share TTM	3.52	3.43	3.36	3.31	3.24	3.19	3.13	3.08	3.02	2.96	2.89	2.84
Margin Metrics
Gross Profit Margin TTM	99.62%	99.59%	99.58%	99.56%	99.55%	99.52%	99.53%	99.56%	99.49%	99.50%	99.46%	99.46%
Operating Profit Margin TTM	29.78%	26.56%	23.59%	21.68%	19.24%	16.20%	25.21%	31.83%	25.18%	27.65%	22.73%	21.21%
Net Profit Margin TTM	23.84%	21.33%	18.95%	17.57%	15.59%	13.19%	20.22%	25.26%	20.20%	22.16%	18.41%	17.12%
Growth Metrics
Net Revenue Growth (1Y)	19.55%	17.87%	11.41%	-0.63%	9.64%	2.44%	13.22%	24.39%	13.61%	41.14%	52.57%	44.32%
Net Income Growth (1Y)	82.80%	90.53%	4.41%	-30.88%	-15.39%	-39.02%	24.36%	83.50%	58.63%	59,225.00%	-478.44%	-5,676.67%
EPS Growth (1Y)	85.41%	91.88%	4.61%	-30.84%	-15.39%	-38.87%	24.84%	84.33%	59.34%	59,376.34%	-482.78%	-5,715.76%
Valuation Metrics
P/E TTM	8.58	8.82	10.53	11.44	12.51	15.52	9.48	6.66	8.20	7.78	8.30	8.97
P/B TTM	1.71	1.55	1.58	1.58	1.59	1.64	1.56	1.48	1.38	1.46	1.26	1.41
P/S TTM	2.04	1.88	2.00	2.01	1.95	2.05	1.92	1.68	1.66	1.72	1.53	1.54
Market Cap	28.53B	24.30B	25.21B	24.27B	22.77B	22.46B	21.72B	20.43B	17.63B	18.47B	15.30B	15.01B
Enterprise Value	27.64B	23.95B	24.64B	23.67B	22.63B	22.31B	21.59B	19.53B	17.71B	18.70B	15.24B	14.95B
Calculated Values
Free Cash Flow TTM	3.40B	3.44B	3.09B	2.79B	2.59B	2.59B	2.63B	2.56B	2.30B	2.13B	2.03B	2.09B
Net Debt	-891.00M	-351.00M	-570.00M	-602.00M	-136.00M	-157.00M	-133.00M	-903.00M	78.00M	229.00M	-58.00M	-55.00M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-02-11Purchase

Owner: Debbink, Dirk J

Title: -

Shares: 1,000

Price/Share: $162.58

Value: $162,580.00

Shares Owned: 60,560

Relationship: Director

Ownership: Indirect

2025-12-03Purchase

Owner: Wilkins, Edward Scott

Title: -

Shares: 140

Price/Share: $163.77

Value: $22,927.80

Shares Owned: 140

Relationship: Director

Ownership: Direct

2025-10-28Purchase

Owner: Debbink, Dirk J

Title: -

Shares: 1,000

Price/Share: $153.98

Value: $153,980.00

Shares Owned: 58,482

Relationship: Director

Ownership: Indirect

2025-08-15Sale

Owner: Schiff, Charles Odell

Title: -

Shares: 3,500

Price/Share: $153.54

Value: $537,390.00

Shares Owned: 181,055

Relationship: Director

Ownership: Indirect

2025-02-21Purchase

Owner: Benacci, Nancy Cunningham

Title: -

Shares: 1,000

Price/Share: $136.16

Value: $136,160.00

Shares Owned: 6,653

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-02-11	Debbink, Dirk J	Director	-	Indirect	Purchase	1,000	162.58	$162,580.00	60,560	4
2025-12-03	Wilkins, Edward Scott	Director	-	Direct	Purchase	140	163.77	$22,927.80	140	4
2025-10-28	Debbink, Dirk J	Director	-	Indirect	Purchase	1,000	153.98	$153,980.00	58,482	4
2025-08-15	Schiff, Charles Odell	Director	-	Indirect	Sale	3,500	153.54	$537,390.00	181,055	4
2025-02-21	Benacci, Nancy Cunningham	Director	-	Direct	Purchase	1,000	136.16	$136,160.00	6,653	4
2024-12-03	Debbink, Dirk J	Director	-	Indirect	Purchase	1,000	157.19	$157,190.00	55,500	4/A
2024-07-31	Schiff, Charles Odell	Director	-	Indirect	Sale	6,000	130.44	$782,640.00	184,555	4
2024-04-29	Osborn, David P	Director	-	Direct	Purchase	2,000	111.64	$223,280.00	33,919	4
2024-04-29	Debbink, Dirk J	Director	-	Indirect	Purchase	1,000	113.47	$113,470.00	53,988	4
2023-12-05	Debbink, Dirk J	Director	-	Indirect	Purchase	2,000	102.98	$205,960.00	51,542	4
2023-10-30	Debbink, Dirk J	Director	-	Indirect	Purchase	1,000	98.78	$98,780.00	49,542	4
2023-09-12	Benacci, Nancy Cunningham	Director	-	Direct	Purchase	1,000	106.57	$106,570.00	3,702	4
2023-06-01	Aaron, Thomas J	Director	-	Indirect	Purchase	500	97.17	$48,585.00	6,240	4
2023-05-25	Debbink, Dirk J	Director	-	Indirect	Purchase	1,000	98.39	$98,390.00	47,960	4
2023-05-17	Schiff, Charles Odell	Director	-	Indirect	Sale	20,000	102.74	$2,054,800.00	190,555	4
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Institutional Ownership

No data available for chart

2026-03-31

67.19%

Inst. Shares: 104,345,545

Shares Outstanding: 155,300,000

2025-12-31

67.85%

Inst. Shares: 105,915,673

Shares Outstanding: 156,100,000

2025-09-30

66.42%

Inst. Shares: 103,685,591

Shares Outstanding: 156,100,000

2025-06-30

67.12%

Inst. Shares: 104,907,607

Shares Outstanding: 156,300,000

2025-03-31

65.81%

Inst. Shares: 102,928,939

Shares Outstanding: 156,400,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	104,345,545	155,300,000	67.19%
2025-12-31	105,915,673	156,100,000	67.85%
2025-09-30	103,685,591	156,100,000	66.42%
2025-06-30	104,907,607	156,300,000	67.12%
2025-03-31	102,928,939	156,400,000	65.81%
2024-12-31	101,921,458	156,400,000	65.17%
2024-09-30	98,404,663	156,200,000	63.00%
2024-06-30	100,892,762	156,300,000	64.55%
2024-03-31	98,318,060	156,800,000	62.70%
2023-12-31	97,820,193	157,000,000	62.31%
2023-09-30	96,251,740	156,900,000	61.35%
2023-06-30	97,873,091	157,000,000	62.34%
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CINCINNATI FINANCIAL CORP (CINF) — SEC Financial Statements & Analysis

CINCINNATI FINANCIAL CORP (CINF) is a fire, marine & casualty insurance company, incorporated in OH. CINCINNATI FINANCIAL CORP trades on Nasdaq as: CINF. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), CINCINNATI FINANCIAL CORP reported a 19.55% year-over-year revenue growth, a Gross Profit Margin of 99.62% (TTM), a Price-to-Sales (P/S) ratio of 2.04x (TTM), a Price-to-Book (P/B) ratio of 1.71x (TTM), at a market cap of $28.53B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 19.55%
Gross Profit Margin TTM: 99.62%
P/S TTM: 2.04x
P/B TTM: 1.71x
Market Cap: $28.53B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is CINCINNATI FINANCIAL CORP in?

CINCINNATI FINANCIAL CORP (CINF) operates in the Fire, Marine & Casualty Insurance industry.

What is CINF's market cap?

CINCINNATI FINANCIAL CORP (CINF) has a market capitalization of $28.53B as of 2026-06-30.

What is CINF's P/E ratio?

CINCINNATI FINANCIAL CORP (CINF)'s trailing twelve month P/E ratio is 8.58x as of 2026-06-30.

What exchange does CINF trade on?

CINCINNATI FINANCIAL CORP (CINF) trades on the Nasdaq.

Where is CINCINNATI FINANCIAL CORP incorporated?

CINCINNATI FINANCIAL CORP is incorporated in OH.