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CINF

NASDAQ · USD

Cincinnati Financial Corporation

Financial Services · Insurance - Property & Casualty

CEO Stephen Michael Spray Employees 5,705 R&D / revenue 0.0%

Live stock page Read the factsheet

Last price

$171.25+2.41%last session

Market cap

$26.3B

P/E (TTM)

8.0x

From 52w high

−12.1%

From 52w low

+14.2%

1-year return

+13.1%

RSI 14 · vs SMA200

63.5 · +2.4%

IS score

78.0/ 100

Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.

Download full factsheet (PDF)

One year, rebased to 100

CINF SPY XLF (sector ETF) · weekly closes

Score DNA

Each bar is a 0-100 score within the scored universe

Profitability

Growth

Value

Momentum

100

Risk (safety)

Quality

Balance sheet

Earnings quality

Flags

Strengths

✓ Piotroski 8+✓ Net cash✓ Insider buying✓ Congress buying

Warnings

None of the computed warning flags fires for CINF (Altman, Beneish, accruals, FCF, dilution).

Observations

Moat model: Weak, Network EffectsPiotroski 8 / 9Beta 0.554 of 4 smart-money sources active

Smart-money strip

Each disclosure source on its own window. Filings coinciding is not coordination.

INSForm 4 · 180 days

Insider open-market buys

$0.17M bought

No Form 144 notices in 12 months

CONGSTOCK Act · 180 days

Congressional purchases

Last disclosed purchase 2026-09-18

Members disclose in ranges, 30-45 days after the trade

13F13F · quarter to 2026-06-30

Net change in institutional holders

+32

127 new holders, 87 closed

958 filers hold 75.9% · 339 added, 316 trimmed

ETFETF holdings · 30 days

Net funds accumulating

+103

894 funds adding shares

791 funds trimming · counts of funds, not dollars

DARKFINRA · daily

Short-sale share of off-exchange volume

30.4%

20-day avg 63.3%, 50-day avg 63.7%

Latest 32.9 pp under its 20-day average · a flow, not short interest

Key financials · FY2025

USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.

Income statement

Revenue$12.6B

Revenue growth YoY+11.4%

Gross margin50.1%

Operating income$3.0B

Operating margin23.6%

Net income$2.4B

Net margin18.9%

EPS (diluted)$15.17

Cash flow

Operating cash flow$3.1B

Capital expenditure$20.0M

Free cash flow$3.1B

FCF conversion (FCF / OCF)99.4%

Stock-based compensation$0

FCF less SBC$3.1B

Buybacks$205.0M

Dividends$525.0M

Balance sheet & returns

Cash & short-term investments$19.7B

Total debt$815.0M

Net cash$18.9B

Shareholders' equity$15.9B

Goodwill & intangibles$1.3B

Debt / equity0.05

ROE (TTM)20.9%

ROIC (TTM)15.1%

Operating margin by fiscal year

Revenue $9.6B (FY2021) to $12.6B (FY2025), a 7.0% CAGR.

Valuation

P/E (TTM)8.0x

EV / EBITDA5.8x

Price / sales1.88x

Price / FCF7.7x

FCF yield12.99%

Buyback yield0.78%

SBC / revenue0.3%

Price / book1.58x

Forward P/E FY202620.1x

Forward P/E FY202719.0x

Forward P/E FY202818.4x

Forward multiples divide today's price by Street EPS estimates. Street mean target $200.00 across 1 analysts last quarter is theirs, not ours.

CINF vs industry median

95 companies in Insurance - Property & Casualty

CINF (TTM)Industry median Asset turnover 0.32 vs industry 0.34 · financial leverage 2.58

Earnings delivery

Next report 2026-10-26 · consensus EPS $2.05

83%

beat rate, 10 of 12 quarters

+25.7%

median EPS surprise

longest beat streak

EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-10-26 to 2026-07-27. Bars cap at ±60%.

Peers

Market-cap band, not the industry cohort above

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	12m return
CINF Cincinnati Financial Corpora	$26.3B	8.0x	20.9%	23.8%	+11.4%	+13.1%
WRB W. R. Berkley Corporation	$28.0B	15.4x	19.8%	6.6%	+26.0%	+5.3%
MKL Markel Corporation	$22.9B	10.1x	12.6%	22.5%	+6.7%	−1.6%
L Loews Corporation	$22.6B	13.5x	10.5%	9.4%	+4.3%	+12.8%
RE Everest Re Group, Ltd.	$15.3B	8.0x	12.6%	14.1%	−5.1%	—
AIZ Assurant, Inc.	$14.0B	13.3x	18.3%	8.6%	+9.4%	+37.0%
CNA CNA Financial Corporation	$13.0B	10.5x	12.3%	8.4%	+4.5%	—
AFG American Financial Group, In	$12.4B	13.0x	20.4%	12.4%	−1.1%	—

12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.

Recent 8-K filings

2026-09-28Material Agreement; Financial Obligation; Exhibits

2026-08-25Regulation FD; Other Events; Exhibits

2026-08-21Regulation FD; Exhibits

2026-07-27Earnings Release; Exhibits

2026-06-22Officer/Director Change; Regulation FD; Exhibits

2026-06-16Officer/Director Change; Regulation FD; Exhibits

Context

Shares outstanding153,478,045

Free float98.1%

Institutional ownership75.9%

Beta0.55

Dividend yield2.15%

Last dividend$0.94 on 2026-09-23

50 / 200-day average$168.49 / $167.38

Large-cap Financial Services median P/E14.0x

Full factsheet

The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).

Read it in the browser Download (PDF)

All fundamentals · 140 measures in 13 categories

Percentile = where CINF sits among 53 scored companies in Insurance - Property & Casualty (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.

Valuation Profitability (TTM)Returns on capital Growth Margin history & stability Liquidity (latest quarter)Leverage & solvency (latest quarter)Efficiency Cash flow & earnings quality Dividends & buybacks Scores & forensic checks Per share Size (TTM)

Valuation

Measure	CINF	Industry median	Industry percentile	Sector median
P/E (TTM)	7.9x	10.5x	27th	11.9x
PEG (P/E ÷ 3-yr EPS CAGR)	0.22	0.40	22nd	1.04
Price / sales	1.9x	1.2x	75th	2.5x
Price / book	1.6x	1.9x	38th	1.3x
Price / tangible book	1.7x	2.1x	37th	1.6x
Price / free cash flow	n/a
Price / operating cash flow	n/a
Enterprise value	n/a
EV / sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / free cash flow	n/a
Earnings yield	12.7%	9.2%	77th	7.9%
FCF yield	n/a
Operating cash flow yield	n/a
Graham number (per share)	$226.60	$75.52	87th	$50.71

Profitability (TTM)

Measure	CINF	Industry median	Industry percentile	Sector median
Gross margin	n/a
EBITDA margin	n/a
Operating margin	29.8%	14.5%	85th	23.3%
EBIT margin	30.1%	15.5%	88th	23.3%
Net margin	23.9%	11.2%	87th	18.7%
NOPAT margin	23.9%	11.5%	83rd	18.7%
FCF margin	n/a
Operating cash flow margin	n/a
R&D / revenue	0.0%	0.0%	0th	0.0%
SG&A / revenue	29.8%	5.7%	88th	20.1%
Stock comp / revenue	0.3%	0.3%	49th	0.7%
Effective tax rate	19.9%	20.9%	26th	21.0%

Returns on capital

Measure	CINF	Industry median	Industry percentile	Sector median
ROE (on average equity)	21.5%	18.3%	68th	11.9%
ROA	8.1%	3.3%	85th	1.4%
ROIC	n/a
ROCE	n/a
Return on tangible assets	10.3%	4.4%	83rd	2.0%
Cash ROIC (OCF / invested capital)	n/a
Gross profitability (GP / assets)	n/a
ROIC, 3-yr average	n/a
ROIC, 5-yr average	n/a
ROE, 5-yr average	13.4%	10.8%	59th	10.7%
Incremental ROIC	n/a

Growth

Measure	CINF	Industry median	Industry percentile	Sector median
Revenue growth (TTM YoY)	19.5%	8.0%	78th	7.1%
Revenue growth (QoQ)	49.3%	7.4%	92nd	2.8%
Revenue CAGR, 3 yr	14.2%	8.4%	68th	10.8%
Revenue CAGR, 5 yr	8.1%	7.5%	56th	11.3%
Gross profit CAGR, 3 yr	n/a
Operating income CAGR, 3 yr	36.2%	19.9%	61st	8.8%
Net income growth (TTM YoY)	82.8%	29.7%	79th	24.7%
Net income CAGR, 3 yr	34.9%	22.9%	62nd	9.4%
EPS growth (TTM YoY)	85.0%	32.1%	79th	25.1%
EPS CAGR, 3 yr	35.5%	25.3%	62nd	7.3%
EPS CAGR, 5 yr	4.0%	7.7%	39th	4.2%
FCF growth (TTM YoY)	n/a
FCF CAGR, 3 yr	n/a
Operating cash flow CAGR, 3 yr	n/a
Book value CAGR, 3 yr	15.3%	12.2%	64th	8.9%
Dividend CAGR, 3 yr	2.8%	2.9%	47th	1.9%
Sustainable growth rate	18.0%	11.8%	71st	8.3%

Margin history & stability

Measure	CINF	Industry median	Industry percentile	Sector median
Gross margin, 3-yr average	n/a
Operating margin, 3-yr average	24.7%	10.5%	81st	21.4%
Net margin, 3-yr average	19.9%	8.2%	90th	16.5%
FCF margin, 3-yr average	n/a
Revenue stability (0-1)	0.78	0.94	23rd	0.86
Earnings stability (0-1)	0.14	0.44	21st	0.37
Margin stability (0-1)	0.87	0.72	88th	0.81

Liquidity (latest quarter)

Measure	CINF	Industry median	Industry percentile	Sector median
Cash & short-term investments	n/a
Net cash (− = net debt)	n/a
Working capital	n/a
Current ratio	n/a
Quick ratio	n/a
Cash ratio (cash + ST investments / current liabilities)	n/a
Defensive interval (days)	n/a

Leverage & solvency (latest quarter)

Measure	CINF	Industry median	Industry percentile	Sector median
Total debt	n/a
Debt / equity	n/a
Net debt / equity	n/a
Debt / assets	n/a
Debt / capital	n/a
Debt / EBITDA	n/a
Net debt / EBITDA	n/a
Interest coverage (EBIT / interest)	n/a
Cash interest coverage	n/a
Debt payback (years of OCF)	n/a
Liabilities / assets	61.4%	76.7%	13th	86.2%
IS credit model rating	AA+	—		—
Implied credit spread (bps)	65	80	2nd	175

Efficiency

Measure	CINF	Industry median	Industry percentile	Sector median
Asset turnover	n/a
Fixed asset turnover	n/a
Inventory turnover	n/a
Receivables turnover	n/a
Days sales outstanding	n/a
Days inventory outstanding	n/a
Days payables outstanding	n/a
Cash conversion cycle (days)	n/a
Capex / revenue	n/a
Capex / depreciation	n/a
Operating expense ratio	n/a

Cash flow & earnings quality

Measure	CINF	Industry median	Industry percentile	Sector median
Operating cash flow / net income	n/a
FCF / net income	n/a
FCF / operating cash flow	n/a
Capex / operating cash flow	n/a
Accruals ratio	n/a
Sloan accruals ratio	n/a
Earnings quality score (0-1)	n/a

Dividends & buybacks

Measure	CINF	Industry median	Industry percentile	Sector median
Dividend yield	2.2%	1.6%	58th	2.3%
Dividend per share (TTM)	$3.69	$1.28	73rd	$1.03
Payout ratio (dividends / net income)	16.3%	19.5%	42nd	30.0%
Dividends / FCF	n/a
Dividend growth (YoY)	8.4%	7.8%	51st	6.4%
Buyback yield	1.7%	1.5%	56th	1.7%
Shareholder yield (dividends + buybacks)	3.8%	3.9%	48th	5.2%
Share count change (YoY)	-1.2%	-0.8%	46th	-0.3%
Buybacks, last 5 years	$851.0M	$125.1M	77th	$85.3M

Scores & forensic checks

Measure	CINF	Industry median	Industry percentile	Sector median
IS score	78	59	94th	53
IS profitability	82	51	87th	59
IS growth	73	61	82nd	57
IS value	77	76	52nd	77
IS momentum	90	86	70th	76
IS risk (safety)	100	100	19th	65
IS quality	88	78	88th	71
IS balance sheet	90	69	100th	51
IS earnings quality	68	69	48th	74
IS cash flow	86	75	81st	71
Piotroski F-score (0-9)	8	6	87th	6
Altman Z-score	—
Beneish M-score	—
Ohlson O-score	−8.74	−6.61	4th	−6.00
IS credit score	94	87	77th	68

Per share

Measure	CINF	Industry median	Industry percentile	Sector median
EPS, diluted (TTM)	$21.34	$4.92	85th	$3.36
Book value per share	$106.93	$37.25	88th	$28.13
Tangible book per share	$107.83	$23.17	92nd	$21.49
Revenue per share	$89.47	$73.91	60th	$17.62
FCF per share	n/a
Operating cash flow per share	n/a
Cash per share	n/a

Size (TTM)

Measure	CINF	Industry median	Industry percentile	Sector median
Market cap	$26.3B	$2.5B	90th	$2.5B
Revenue	$13.9B	$2.0B	85th	$1.0B
EBITDA	$4.4B	$307.4M	92nd	$269.3M
Net income	$3.3B	$219.9M	92nd	$168.0M
Free cash flow	n/a
Total assets	$43.1B	$6.4B	85th	$8.5B
Shareholders' equity	$16.7B	$1.7B	88th	$1.5B
Employees	5,705	1,800	62nd	1,392

Insider transactions, last 6 months

Form 4 · most recent 12

Date	Insider	Type	Shares	Price	Value	Owned after
2026-08-25	Debbink Dirk J Director	Open-market buy	1,000	$171.64	$171,640	62,059
2026-08-03	Schiff Charles Odell Director	Open-market sale	7,600	$175.40	$1.3M	173,455
2026-06-08	Kellington John S EVP, Chief Info Off. -Sub	Option exercise	24,221	$85.67	$2.1M	144,588
2026-06-08	Kellington John S EVP, Chief Info Off. -Sub	Tax withholding	17,536	$163.73	$2.9M	127,052
2026-06-08	Kellington John S EVP, Chief Info Off. -Sub	Option exercise	24,221	$85.67	$2.1M	0
2026-05-28	Fu Luyang Sr. VP, Chief Actuary - Sub	Option exercise	774	$85.67	$66,309	11,444
2026-05-28	Fu Luyang Sr. VP, Chief Actuary - Sub	Tax withholding	99	$161.20	$15,959	11,345
2026-05-28	Fu Luyang Sr. VP, Chief Actuary - Sub	Option exercise	774	$85.67	$66,309	0
2026-05-11	Schiff Charles Odell Director	Other	27,122	—	—	122,911
2026-05-07	Hogan Thomas Christopher EVP/CLO & Corp Secretary	Option exercise	487	$70.70	$34,431	18,925
2026-05-07	Hogan Thomas Christopher EVP/CLO & Corp Secretary	Tax withholding	145	$160.96	$23,339	18,780
2026-05-07	Hogan Thomas Christopher EVP/CLO & Corp Secretary	Tax withholding	74	$160.96	$11,911	18,706

Shares acquired vs disposed, by month

acquired disposed · all Form 4 types

By transaction type, 6 months

Type	Direction	Filings	Shares	Value
Gift	Disposed	1	2,500	—
Open-market buy	Acquired	1	1,000	$171,640
Open-market sale	Disposed	1	7,600	$1.3M
Option exercise	Disposed	9	114,747	$8.5M
Option exercise	Acquired	9	114,747	$8.5M
Other	Disposed	1	27,122	—
Tax withholding	Disposed	9	60,764	$9.9M
—	Disposed	1	0	—

Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.

Form 144 notices

Filed	Filer	Shares proposed	Est. proceeds
None on file.

A Form 144 is notice of a proposed sale, not a confirmed one.

Congress trades

12 months: House 3 trades (3 purchases) · Senate 0 (0 purchases)

Traded	Member	Chamber	Type	Amount	Disclosed
2026-09-18	Gilbert Cisneros	House	Purchase	$1,001 - $15,000	2026-10-13
2026-09-18	Gilbert Cisneros	House	Purchase	$1,001 - $15,000	2026-10-12
2026-09-04	Ro Khanna	House	Purchase	$1,001 - $15,000	2026-10-09
2025-04-09	Josh Gottheimer	House	Sale (Partial)	$1,001 - $15,000	2025-05-14

STOCK Act disclosures, in ranges, filed up to 45 days after the trade.

Largest 13F holders

Quarter to 2026-06-30, the latest most managers have filed

Manager	Shares	Value	% of shares out
BlackRock, Inc.	12,610,089	$2.3B	8.22%
VANGUARD CAPITAL MANAGEMENT LLC	10,124,435	$1.9B	6.60%
STATE STREET CORP	8,539,606	$1.6B	5.56%
VANGUARD PORTFOLIO MANAGEMENT LLC	8,150,052	$1.5B	5.31%
GEODE CAPITAL MANAGEMENT, LLC	4,210,819	$776.5M	2.74%
FIRST TRUST ADVISORS LP	4,145,056	$767.4M	2.70%
Invesco Ltd.	2,671,164	$494.5M	1.74%
BANK OF AMERICA CORP /DE/	1,879,069	$347.9M	1.22%
LONDON CO OF VIRGINIA	1,816,988	$336.4M	1.18%
NORGES BANK	1,660,670	$307.5M	1.08%
DIMENSIONAL FUND ADVISORS LP	1,615,302	$299.1M	1.05%
FORT WASHINGTON INVESTMENT ADVISORS INC /OH/	1,495,541	$276.9M	0.97%
JOHNSON INVESTMENT COUNSEL INC	1,417,965	$262.5M	0.92%
Bahl & Gaynor LLC	1,217,117	$225.3M	0.79%
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	1,214,615	$224.9M	0.79%

Institutional ownership by quarter

% of shares held by 13F filers

Number of 13F filers holding

Holder changes by quarter

Quarter	Holders	Ownership	New	Increased	Reduced	Closed
2026-06-30	958	75.9%	127	339	316	87
2026-03-31	926	69.4%	102	345	306	84
2025-12-31	929	70.5%	133	318	299	57
2025-09-30	870	68.9%	88	295	295	76
2025-06-30	872	70.3%	92	310	305	73
2025-03-31	862	70.3%	106	302	292	71
2024-12-31	845	68.7%	116	295	270	47
2024-09-30	790	67.3%	102	244	283	56
2024-06-30	753	67.7%	74	260	261	72
2024-03-31	765	67.2%	96	245	280	68
2023-12-31	745	66.2%	112	251	238	67
2023-09-30	709	66.0%	79	248	241	70

Schedule 13D / 13G filers

Filed	Form	Filer	% of class	Shares
2026-04-29	SCHEDULE 13G	Vanguard Portfolio Management	5.2%	8,135,122
2026-04-29	SCHEDULE 13G	Vanguard Capital Management	7.5%	11,701,171
2026-03-26	SCHEDULE 13G/A	The Vanguard Group	0.0%	0

Required above 5% of a class; 13G is the passive form.

ETFs with the largest holding

ETF	Weight in fund	Holding value
VITSX	0.03%	$776.2M
VSMPX	0.03%	$776.2M
VTSAX	0.03%	$776.2M
VTI	0.03%	$776.2M
SCHD	0.64%	$721.3M
VOO	0.04%	$642.3M

Share structure

Shares outstanding153,478,045

Float150,574,240

Free float98.1%

Income statement

Fiscal years, USD

	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$9.6B	$6.6B	$10.0B	$11.3B	$12.6B
Cost of revenue	$3.9B	$5.0B	$5.3B	$5.7B	$6.3B
Gross profit	$5.7B	$1.5B	$4.7B	$5.6B	$6.3B
R&D	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$3.4B
Operating income	$3.7B	−$694.0M	$2.3B	$2.9B	$3.0B
EBITDA	$3.9B	−$514.0M	$2.4B	$3.0B	$3.2B
Pretax income	$3.7B	−$694.0M	$2.3B	$2.9B	$3.0B
Income tax	$730.0M	−$207.0M	$433.0M	$566.0M	$587.0M
Net income	$3.0B	−$487.0M	$1.8B	$2.3B	$2.4B
EPS, diluted	$18.10	$-3.06	$11.66	$14.53	$15.17
Diluted shares	162.7M	158.8M	158.1M	157.8M	157.7M

Balance sheet

	FY2021	FY2022	FY2023	FY2024	FY2025
Cash & short-term investments	$14.2B	$13.4B	$14.7B	$17.5B	$19.7B
Receivables	$2.9B	$3.2B	$3.5B	$3.8B	$4.2B
Inventory	$0	$0	$0	$0	$0
Total current assets	$0	$0	$0	$0	$24.0B
PP&E, net	$205.0M	$202.0M	$208.0M	$214.0M	$219.0M
Goodwill & intangibles	$0	$0	$0	$0	$1.3B
Total assets	$31.4B	$29.7B	$32.8B	$36.5B	$41.0B
Accounts payable	$0	$0	$0	$0	$0
Total current liabilities	$0	$0	$0	$0	$18.6B
Long-term debt	$789.0M	$789.0M	$790.0M	$790.0M	$790.0M
Total liabilities	$18.3B	$19.2B	$20.7B	$22.6B	$25.1B
Shareholders' equity	$13.1B	$10.6B	$12.1B	$13.9B	$15.9B

Cash flow statement

Outflows are negative

	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	$2.9B	−$487.0M	$1.8B	$2.3B	$2.4B
Depreciation & amortization	$93.0M	$127.0M	$112.0M	$130.0M	$168.0M
Stock-based compensation	$33.0M	$36.0M	$0	$0	$0
Change in working capital	$740.0M	$1.2B	$937.0M	$1.4B	$1.6B
Operating cash flow	$2.0B	$2.1B	$2.1B	$2.6B	$3.1B
Capital expenditure	−$15.0M	−$15.0M	−$18.0M	−$22.0M	−$20.0M
Free cash flow	$2.0B	$2.0B	$2.0B	$2.6B	$3.1B
Investing cash flow	−$1.1B	−$933.0M	−$1.6B	−$1.7B	−$1.7B
Net debt issued / repaid	$0	−$4.0M	−$25.0M	$0	$0
Buybacks	−$144.0M	−$410.0M	−$67.0M	−$126.0M	−$205.0M
Dividends paid	−$395.0M	−$423.0M	−$454.0M	−$490.0M	−$525.0M

Ratio history

Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end

	FY2021	FY2022	FY2023	FY2024	FY2025
Gross margin	59.1%	23.5%	47.3%	49.4%	47.4%
Operating margin	38.1%	-10.6%	22.7%	25.2%	23.6%
Net margin	30.6%	-7.4%	18.4%	20.2%	19.0%
FCF margin	20.4%	31.0%	20.3%	23.2%	24.6%
ROE	24.7%	-4.1%	16.3%	17.6%	16.0%
ROIC	-1,852.8%	28.2%	-106.8%	-86.4%	-82.4%
ROA	10.0%	-1.6%	5.9%	6.6%	6.2%
Debt / equity	0.07	0.08	0.07	0.06	0.06
Interest coverage	70.2x	n/m	43.1x	54.9x	40.6x
Current ratio	—	—	—	—	1.29
Revenue growth	+27.8%	−31.9%	+52.6%	+13.2%	+11.4%
EPS growth	+141.7%	−117.0%	+479.4%	+24.4%	+4.4%
P/E at year end	5.7x	n/m	8.5x	9.7x	10.8x
EV / EBITDA at year end	0.9x	n/m	0.7x	1.9x	2.2x
FCF yield at year end	11.69%	13.51%	13.01%	11.80%	12.04%
Dividend payout	13.4%	—	24.6%	21.4%	21.9%

Revenue by segment

	FY2021	FY2022	FY2023	FY2024	FY2025
Commercial Lines Insurance	$3.7B	$4.0B	$4.3B	$4.5B	$4.9B
Personal Lines Insurance	$1.5B	$1.7B	$2.0B	$2.6B	$3.2B
Excess and Surplus Lines Insurance	$400.0M	$487.0M	$545.0M	$618.0M	$702.0M
Life Insurance Product Line	$303.0M	$299.0M	$323.0M	$326.0M	$336.0M

Street estimates by fiscal year

Next report 2026-10-26 · consensus EPS $2.05 · these are analysts' numbers, not ours

Fiscal year	Revenue (mean)	Revenue range	EPS (mean)	EPS range	Analysts	P/E on mean EPS
2026	$10.6B	$10.5B – $10.6B	$8.52	$8.23 – $8.93	6	20.1x
2027	$11.0B	$10.9B – $11.2B	$9.00	$8.68 – $9.58	6	19.0x
2028	$11.3B	$11.2B – $11.4B	$9.33	$8.67 – $10.10	3	18.4x

Reported vs expected, every quarter on file

Reported	EPS expected	EPS actual	EPS surprise	Revenue expected	Revenue actual	Revenue surprise
2026-07-27	$1.84	$1.43	−22.3%	$2.7B	$2.6B	−2.8%
2026-04-27	$1.93	$2.10	+8.8%	$2.6B	$2.6B	−0.1%
2026-02-09	$2.90	$3.37	+16.2%	$2.6B	$2.6B	+1.5%
2025-10-27	$2.14	$2.85	+33.2%	$2.6B	$3.7B	+46.0%
2025-07-28	$1.41	$1.97	+39.7%	$2.5B	$3.2B	+28.5%
2025-04-28	$-0.62	$-0.24	+61.3%	$2.4B	$2.6B	+6.7%
2025-02-10	$1.90	$3.14	+65.3%	$2.3B	$2.5B	+9.1%
2024-10-24	$1.46	$1.42	−2.7%	$2.3B	$3.3B	+47.3%
2024-07-25	$0.96	$1.29	+34.2%	$2.2B	$2.5B	+15.1%
2024-04-25	$1.69	$1.72	+1.8%	$2.1B	$2.9B	+38.1%
2024-02-06	$1.93	$2.28	+18.1%	$2.5B	$3.4B	+35.7%
2023-10-26	$1.07	$1.66	+55.1%	$2.2B	$1.8B	−19.1%
2023-07-27	$0.72	$1.21	+68.1%	$1.9B	$2.6B	+39.6%
2023-04-27	$0.68	$0.89	+30.9%	$2.2B	$2.2B	+2.9%
2023-02-06	$1.28	$1.27	−0.8%	$1.9B	$3.1B	+66.9%
2022-10-31	$0.71	$0.73	+2.8%	$1.9B	$1.4B	−23.9%
2022-07-27	$1.05	$0.65	−38.1%	$1.7B	$820.0M	−53.0%
2022-04-28	$1.48	$1.58	+6.8%	$1.7B	$1.2B	−26.4%
2022-02-15	$1.50	$1.97	+31.3%	$1.6B	$3.3B	+106.3%
2021-10-27	$1.15	$1.28	+11.3%	$1.8B	$1.8B	+1.3%
2021-07-28	$0.99	$1.79	+80.8%	$1.6B	$2.3B	+40.4%
2021-04-28	$1.05	$1.37	+30.5%	$1.7B	$2.2B	+32.6%
2021-02-10	$1.17	$1.61	+37.6%	$1.7B	$2.7B	+62.8%
2020-10-26	$0.41	$0.39	−4.9%	$1.9B	$2.2B	+18.2%

Off-exchange (dark pool) volume, weekly

FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)

Week of	Notional	Shares	Trades
2026-08-31	$86.6M	504,523	27,119
2026-08-24	$82.6M	481,389	22,353
2026-08-17	$74.4M	437,474	22,692
2026-08-10	$75.8M	437,407	25,984
2026-08-03	$133.8M	752,371	36,291
2026-07-27	$248.2M	1,374,804	46,166

Short-sale share of off-exchange volume

daily 20-day average

Date	Short share	Short volume	Total volume
2026-10-15	30.4%	95,979	315,237
2026-10-14	67.1%	89,233	132,898
2026-10-13	71.6%	141,758	197,897
2026-10-12	71.6%	121,092	169,207
2026-10-09	48.1%	78,125	162,262
2026-10-08	56.7%	121,075	213,525
2026-10-07	57.3%	67,935	118,493
2026-10-06	59.1%	85,821	145,144
2026-10-05	71.2%	130,388	183,067
2026-10-02	66.0%	104,458	158,383

A daily flow measure from FINRA, not short interest.

Seasonality

Average return by calendar month

Month	Avg return	Up years	Years
Jan	−0.2%	45%	20
Feb	+2.0%	70%	20
Mar	+1.2%	57%	21
Apr	−1.3%	50%	20
May	+0.2%	45%	20
Jun	−0.5%	45%	20
Jul	+2.5%	60%	20
Aug	+1.7%	75%	20
Sep	+0.3%	50%	20
Oct	+0.9%	50%	20
Nov	+4.0%	80%	20
Dec	+1.3%	65%	20

History, not a forecast.

Indicators

as of 2026-10-16

RSI 1463.5

MFI64.6

ADX21.2

Stochastic %K / %D87.8 / 85.6

Williams %R-0.2

CCI204

TSI / signal-2.8 / -17.8

Chaikin money flow-0.16

ATR$2.97

Bollinger width6.5%

Volume vs 20-day avg1.27x

SupertrendUp

Moving averages and bands

level (price vs level)

SMA 20$163.83 (+4.5%)

SMA 50$168.14 (+1.8%)

SMA 200$167.28 (+2.4%)

EMA 21$165.70 (+3.3%)

EMA 50$167.81 (+2.0%)

EMA 200$166.55 (+2.8%)

Bollinger upper$169.11 (+1.3%)

Bollinger lower$158.55 (+8.0%)

Parabolic SAR$163.61 (+4.7%)

Open the live chart, 110+ indicators

About Cincinnati Financial Corporation

Cincinnati Financial Corporation, operating through its various subsidiaries, delivers a range of property and casualty insurance offerings across the United States. Its operations are organized into five distinct divisions: Commercial Lines, Personal Lines, Excess and Surplus Lines, Life Insurance, and Investments. The Commercial Lines division safeguards businesses against risks such as commercial casualty, property damage, vehicle incidents, and workers' compensation claims; it also offers specialized protection including director and officer liability, various surety and fidelity bonds, and coverage for machinery and equipment. For individual clients, the Personal Lines segment provides essential coverages like personal auto and homeowner policies, alongside dwelling fire, inland marine, personal umbrella liability, and watercraft protection. The Excess and Surplus Lines segment specializes in commercial casualty insurance, protecting companies from third-party liabilities stemming from on-site incidents, operational activities, or product-related injuries; this segment also delivers commercial property insurance, securing assets like buildings, inventory, and equipment, as well as business income, against a broad spectrum of perils including fire, wind, hail, water damage, theft, and vandalism. Through its Life Insurance division, the company offers a comprehensive suite of life policies, encompassing term life, universal life, worksite-based term life, and whole life insurance options. The Investments segment manages a portfolio including fixed-maturity assets like taxable and tax-exempt bonds, along with redeemable preferred stocks, and equity holdings such as common and non-redeemable preferred stocks. Beyond insurance, Cincinnati Financial Corporation extends its services to include commercial leasing and financing, as well as insurance brokerage. Established in 1950, Cincinnati Financial Corporation's corporate headquarters are situated in Fairfield, Ohio.

https://www.cinfin.com

Key executives

Name	Title	Pay	Born
Steven Anthony Soloria	Executive Vice President & Chief Investment Officer	$2.1M	1967
Stephen Michael Spray	President, Chief Executive Officer & Director	$1.9M	1966
Michael James Sewell	Chief Financial Officer, Principal Accounting Officer, Executive Vice President & Treasurer	$1.8M	1964
Steven Justus Johnston CERA FCAS MAAA	Executive Chairman	$1.2M	1960
Teresa Currin Cracas	Chief Risk Officer & Executive Vice President of The Cincinnati Insurance Company	$1.1M	1966
Dennis E. McDaniel	Vice President & Investor Relations Officer	—	1960
Donald Joseph Doyle Jr.	Senior Vice President of The Cincinnati Insurance Company	—	1967
Robert Phillip Sandercox ARe CPCU	Senior VP, MD & Head of Specialty Casualty Reinsurance	—	1964

Executive pay, latest proxy

Executive	Year	Salary	Stock awards	Incentive	Total
Steven J. Johnston Executive Chairman of the Board and former Chief Executive Officer Cincinnati Financial Corporation	2025	$513,750	$804,764	$309,750	$373,779
Michael J. Sewell Chief Financial Officer, Executive Vice President and Treasurer Cincinnati Financial Corporation	2025	$1.1M	$1.1M	$404,384	$313,801
Teresa C. Cracas Chief Risk Officer and Executive Vice President The Cincinnati Insurance Company	2025	$681,352	$728,436	$256,750	$189,764
John S. Kellington Chief Information Officer and Executive Vice President The Cincinnati Insurance Company	2025	$748,297	$799,736	$281,977	$184,490
Stephen M. Spray President and Chief Executive Officer Cincinnati Financial Corporation	2025	$1.1M	$1.8M	$681,450	$40,027

Employees

Dividends

Ex-date	Amount	Paid
2026-09-23	$0.94	2026-10-15
2026-06-23	$0.94	2026-07-15
2026-03-24	$0.94	2026-04-15
2025-12-22	$0.87	2026-01-15
2025-09-22	$0.87	2025-10-15
2025-06-23	$0.87	2025-07-15
2025-03-24	$0.87	2025-04-15
2024-12-19	$0.81	2025-01-15

Moat model

Weak · Network Effects · 2026-06-30

Cost advantage61

Intangibles53

Switching costs31

Network effect65

Efficient scale43

Our component scores (0-100) and overall 49.4; a model of the business, not a call on the stock.

InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17

CINF

One year, rebased to 100

Score DNA

Flags

Smart-money strip

Key financials · FY2025

Valuation

CINF vs industry median

Earnings delivery

Peers

Recent 8-K filings

Context

Full factsheet

All fundamentals · 140 measures in 13 categories

Valuation

Profitability (TTM)

Returns on capital

Growth

Margin history & stability

Liquidity (latest quarter)

Leverage & solvency (latest quarter)

Efficiency

Cash flow & earnings quality

Dividends & buybacks

Scores & forensic checks

Per share

Size (TTM)

Insider transactions, last 6 months

Shares acquired vs disposed, by month

By transaction type, 6 months

Form 144 notices

Congress trades

Largest 13F holders

Institutional ownership by quarter

Holder changes by quarter

Schedule 13D / 13G filers

ETFs with the largest holding

Share structure

Income statement

Balance sheet

Cash flow statement

Ratio history

Revenue by segment

Street estimates by fiscal year

Reported vs expected, every quarter on file

Off-exchange (dark pool) volume, weekly

Short-sale share of off-exchange volume

Seasonality

Indicators

Moving averages and bands

About Cincinnati Financial Corporation

Key executives

Executive pay, latest proxy

Employees

Dividends

Moat model

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