CINF on Nasdaq
Cincinnati Financial
Logo: https://www.cinfin.com/, Non-free logo, via Wikipedia6
American insurance company
Cincinnati Financial Corporation offers property and casualty insurance, its main business, through The Cincinnati Insurance Company, The Cincinnati Indemnity Company and The Cincinnati Casualty Company. The company has 1.01% of the domestic property and casualty insurance premiums, which ranks it as the 20th largest insurance company by market share in the U.S. The Cincinnati Insurance Company was founded in 1950 by four agents, including brothers John Jack Schiff and Robert Cleveland Schiff, Chester T Field and Harry M Turner.3 Its revenue was $6.6 billion in 2022.1 Its shares trade on Nasdaq under the symbol CINF.1 Wikipedia text CC BY-SA 4.0
$171.09 up 3.87 (2.31%)Price as of Oct 16, 2026 at 19:58 UTC
Last updated Oct 21, 2026.
Overview
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- TickerCINF on Nasdaq1
- Industryinsurance1
- HeadquartersFairfield1
- Websitewww.cinfin.com
- Incorporated inOH7
- Business address6200 S Gilmore Rd, Fairfield, Oh 450147
- Filer categoryLarge accelerated filer7
- Legal formCorporation (For-Profit)4
- LEI254900Q4WEDMZBOZ00024
- StatusActive4
- LEI statusIssued and current4
- Registered addressC/O Thomas C. Hogan, 45014 Fairfield, United States4
- Registered withCorporation Database (Ohio Secretary of State), 8140514
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Cincinnati Financial Corporation offers property and casualty insurance, its main business, through The Cincinnati Insurance Company, The Cincinnati Indemnity Company and The Cincinnati Casualty Company. The company has 1.01% of the domestic property and casualty insurance premiums, which ranks it as the 20th largest insurance company by market share in the U.S.3
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Business segments
Commercial Lines Insurance brought in 42% of the revenue Cincinnati Financial broke down this way in fiscal 2025.
Business segments by year
| Business segments | 2023 | 2024 | 2025 |
|---|---|---|---|
| Commercial Lines Insurance | $4.3B | $4.5B | $4.9B |
| Personal Lines Insurance | $2.0B | $2.6B | $3.2B |
| Investment Segment of CINF | $2.0B | $2.4B | $2.6B |
| Excess and Surplus Lines Insurance | $545.0M | $618.0M | $702.0M |
| Life Insurance | $323.0M | $326.0M | $336.0M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs76¢$9.6B
- Interest0¢$53.0M
- Income tax5¢$587.0M
- Profit19¢$2.4B
Out of $12.6B in revenue.8
Where each dollar of operating cash went, fiscal 2025
- Capital spending1¢$20.0M
- Dividends paid17¢$525.0M
- Share buybacks7¢$205.0M
- Kept or used elsewhere76¢$2.4B
Out of $3.1B of cash from operations.8
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Earned premiums | $10.0B | $8.9B | $8.0B |
| Investment income, net of expenses | $1.2B | $1.0B | $894.0M |
| Investment gains and losses, net | $1.4B | $1.4B | $1.1B |
| Fee revenues | $20.0M | $17.0M | $21.0M |
| Other revenues | $21.0M | $15.0M | $13.0M |
| Total revenues | $12.6B | $11.3B | $10.0B |
| Insurance losses and contract holders' benefits | $6.6B | $5.7B | $5.3B |
| Underwriting, acquisition and insurance expenses | $2.9B | $2.7B | $2.4B |
| Interest expense | $53.0M | $53.0M | $54.0M |
| Other operating expenses | $34.0M | $32.0M | $25.0M |
| Total benefits and expenses | $9.7B | $8.5B | $7.7B |
| Income Before Income Taxes | $3.0B | $2.9B | $2.3B |
| Current | $304.0M | $449.0M | $210.0M |
| Deferred | $283.0M | $117.0M | $223.0M |
| Total provision for income taxes | $587.0M | $566.0M | $433.0M |
| Net Income | $2.4B | $2.3B | $1.8B |
| Net incomebasic | $15.32 | $14.65 | $11.74 |
| Net incomediluted | $15.17 | $14.53 | $11.66 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Fixed maturities, at fair value (amortized cost: 2025$18,304; 2024$16,735) | $18.1B | $16.2B | ||
| Equity securities, at fair value (cost: 2025$4,155; 2024$3,953) | $12.7B | $11.2B | ||
| Short-term investments, at fair value (amortized cost: 2025$148; 2024$298) | $148.0M | $298.0M | ||
| Other invested assets | $818.0M | $713.0M | ||
| Total investments | $31.8B | $28.4B | ||
| Cash and cash equivalents | $1.4B | $983.0M | ||
| Investment income receivable | $235.0M | $222.0M | ||
| Finance receivable | $146.0M | $120.0M | ||
| Premiums receivable | $3.1B | $3.0B | ||
| Reinsurance recoverable | $655.0M | $523.0M | ||
| Prepaid reinsurance premiums | $71.0M | $70.0M | ||
| Deferred policy acquisition costs | $1.3B | $1.2B | $1.1B | $1.0B |
| Land, building and equipment, net, for company use (accumulated depreciation: 2025$367; 2024$347) | $219.0M | $214.0M | ||
| Other assets | $995.0M | $828.0M | ||
| Separate accounts | $981.0M | $952.0M | ||
| Total assets | $41.0B | $36.5B | ||
| Loss and loss expense reserves | $11.5B | $10.0B | ||
| Life policy and investment contract reserves | $3.0B | $3.0B | ||
| Unearned premiums | $5.3B | $4.8B | ||
| Other liabilities | $1.6B | $1.5B | ||
| Deferred income tax | $1.8B | $1.5B | ||
| Note payable | $25.0M | $25.0M | ||
| Long-Term Debt and Lease Obligation | $861.0M | $850.0M | ||
| Separate accounts | $981.0M | $952.0M | ||
| Total liabilities | $25.1B | $22.6B | ||
| Common stock, par value$2 per share; (authorized: 2025 and 2024500 million shares; issued: 2025 and 2024198.3 million shares) | $397.0M | $397.0M | ||
| Paid-in capital | $1.6B | $1.5B | ||
| Retained earnings | $16.7B | $14.9B | ||
| Accumulated other comprehensive loss | -$34.0M | -$309.0M | ||
| Treasury stock, at cost (202542.9 million shares and 202441.9 million shares) | -$2.7B | -$2.5B | ||
| Total shareholders' equity | $15.9B | $13.9B | $12.1B | |
| Total liabilities and shareholders' equity | $41.0B | $36.5B | ||
| Fixed maturities, amortized cost | $18.3B | $16.7B | ||
| Equity securities, cost | $4.2B | $4.0B | ||
| Short-term investments, amortized cost | $148.0M | $298.0M | ||
| Land, building and equipment, accumulated depreciation | $367.0M | $347.0M | ||
| Common stock, par value | $2.00 | $2.00 | ||
| Common stock, shares authorized | 500.0M shares | 500.0M shares | ||
| Common stock, shares, issued | 198.3M shares | 198.3M shares | ||
| Treasury Stock, Shares | 42.9M shares | 41.9M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Fixed maturities, at fair value (amortized cost: 2025$18,304; 2024$16,735) | $18.1B | $16.2B | ||
| Equity securities, at fair value (cost: 2025$4,155; 2024$3,953) | $12.7B | $11.2B | ||
| Short-term investments, at fair value (amortized cost: 2025$148; 2024$298) | $148.0M | $298.0M | ||
| Other invested assets | $818.0M | $713.0M | ||
| Total investments | $31.8B | $28.4B | ||
| Cash and cash equivalents | $1.4B | $983.0M | ||
| Investment income receivable | $235.0M | $222.0M | ||
| Finance receivable | $146.0M | $120.0M | ||
| Premiums receivable | $3.1B | $3.0B | ||
| Reinsurance recoverable | $655.0M | $523.0M | ||
| Prepaid reinsurance premiums | $71.0M | $70.0M | ||
| Deferred policy acquisition costs | $1.3B | $1.2B | $1.1B | $1.0B |
| Land, building and equipment, net, for company use (accumulated depreciation: 2025$367; 2024$347) | $219.0M | $214.0M | ||
| Other assets | $995.0M | $828.0M | ||
| Separate accounts | $981.0M | $952.0M | ||
| Total assets | $41.0B | $36.5B | ||
| Loss and loss expense reserves | $11.5B | $10.0B | ||
| Life policy and investment contract reserves | $3.0B | $3.0B | ||
| Unearned premiums | $5.3B | $4.8B | ||
| Other liabilities | $1.6B | $1.5B | ||
| Deferred income tax | $1.8B | $1.5B | ||
| Note payable | $25.0M | $25.0M | ||
| Long-Term Debt and Lease Obligation | $861.0M | $850.0M | ||
| Separate accounts | $981.0M | $952.0M | ||
| Total liabilities | $25.1B | $22.6B | ||
| Common stock, par value$2 per share; (authorized: 2025 and 2024500 million shares; issued: 2025 and 2024198.3 million shares) | $397.0M | $397.0M | ||
| Paid-in capital | $1.6B | $1.5B | ||
| Retained earnings | $16.7B | $14.9B | ||
| Accumulated other comprehensive loss | -$34.0M | -$309.0M | ||
| Treasury stock, at cost (202542.9 million shares and 202441.9 million shares) | -$2.7B | -$2.5B | ||
| Total shareholders' equity | $15.9B | $13.9B | $12.1B | |
| Total liabilities and shareholders' equity | $41.0B | $36.5B | ||
| Fixed maturities, amortized cost | $18.3B | $16.7B | ||
| Equity securities, cost | $4.2B | $4.0B | ||
| Short-term investments, amortized cost | $148.0M | $298.0M | ||
| Land, building and equipment, accumulated depreciation | $367.0M | $347.0M | ||
| Common stock, par value | $2.00 | $2.00 | ||
| Common stock, shares authorized | 500.0M shares | 500.0M shares | ||
| Common stock, shares, issued | 198.3M shares | 198.3M shares | ||
| Treasury Stock, Shares | 42.9M shares | 41.9M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net Income | $2.4B | $2.3B | $1.8B |
| Depreciation, amortization and other | $168.0M | $130.0M | $112.0M |
| Investment gains and losses, net | -$1.4B | -$1.4B | -$1.1B |
| Interest credited | $44.0M | $44.0M | $45.0M |
| Deferred income tax expense | $283.0M | $117.0M | $223.0M |
| Premiums and reinsurance receivable | -$306.0M | -$266.0M | -$264.0M |
| Deferred policy acquisition costs | -$102.0M | -$149.0M | -$80.0M |
| Other assets | -$73.0M | -$14.0M | -$30.0M |
| Loss and loss expense reserves | $1.5B | $953.0M | $650.0M |
| Life policy and investment contract reserves | $55.0M | $69.0M | $99.0M |
| Unearned premiums | $441.0M | $694.0M | $430.0M |
| Other liabilities | $84.0M | $134.0M | $90.0M |
| Current income tax receivable/payable | $26.0M | $12.0M | $42.0M |
| Net cash provided by operating activities | $3.1B | $2.6B | $2.1B |
| Sale, call or maturity of fixed maturities | $3.8B | $3.2B | $1.1B |
| Sale of equity securities | $335.0M | $1.6B | $206.0M |
| Purchase of fixed maturities | -$5.4B | -$5.7B | -$2.6B |
| Purchase of equity securities | -$409.0M | -$321.0M | -$220.0M |
| Change in short-term investments, net | $156.0M | -$295.0M | $0 |
| Changes in finance receivables | -$30.0M | -$15.0M | -$15.0M |
| Investment in buildings and equipment | -$20.0M | -$22.0M | -$18.0M |
| Change in other invested assets, net | -$112.0M | -$112.0M | -$143.0M |
| Net cash used in investing activities | -$1.7B | -$1.7B | -$1.6B |
| Payment of cash dividends to shareholders | -$525.0M | -$490.0M | -$454.0M |
| Shares acquired - share repurchase authorization | -$205.0M | -$126.0M | -$67.0M |
| Changes in note payable | $0 | $0 | -$25.0M |
| Proceeds from stock options exercised | $10.0M | $10.0M | $9.0M |
| Contract holders' funds deposited | $66.0M | $73.0M | $83.0M |
| Contract holders' funds withdrawn | -$166.0M | -$190.0M | -$218.0M |
| Other | -$153.0M | -$154.0M | -$129.0M |
| Net cash used in financing activities | -$973.0M | -$877.0M | -$801.0M |
| Net change in cash and cash equivalents | $448.0M | $76.0M | -$357.0M |
| Interest paid | $53.0M | $53.0M | $54.0M |
| Income taxes paid | $220.0M | $395.0M | $136.0M |
| Equipment acquired under finance lease obligations | $24.0M | $19.0M | $20.0M |
| Share-based compensation | $37.0M | $51.0M | $19.0M |
| Other assets and other liabilities | $113.0M | $103.0M | $77.0M |
No quarter-by-quarter statement was filed.
Corporate structure
Cincinnati Financial sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Cincinnati Financial
- VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G on Cincinnati Financial, latest Apr 29, 2026
- VANGUARD PORTFOLIO MANAGEMENT LLC Filed SCHEDULE 13G on Cincinnati Financial, latest Apr 29, 2026
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on Cincinnati Financial, latest Mar 26, 2026 (4 filings since Feb 9, 2022)
- BlackRock Filed SC 13G/A on Cincinnati Financial, latest Jan 26, 2024 (3 filings since Feb 1, 2022)
- State Street Corporation Filed SC 13G/A on Cincinnati Financial, latest Jan 25, 2024 (3 filings since Feb 10, 2022)
- Aristotle Capital Management, LLC Filed SC 13G/A on Cincinnati Financial, latest Nov 14, 2023 (3 filings since Feb 14, 2022)
- Select Equity Group, L.P. Filed SC 13G/A on Cincinnati Financial, latest Feb 14, 2022
- Cincinnati Financial Fairfield, Ohio, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Cincinnati Financial reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Accumulated depreciation | $367.0M8 Dec 31, 2025 | $347.0M8 Dec 31, 2024 | +5.8% |
| Property and equipment, net | $219.0M8 Dec 31, 2025 | $214.0M8 Dec 31, 2024 | +2.3% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Marketable securities, current | $148.0M8 Dec 31, 2025 | $298.0M8 Dec 31, 2024 | −50.3% |
| Debt securities available for sale | $18.1B8 Dec 31, 2025 | $16.2B8 Dec 31, 2024 | +12.0% |
Properties, in its own words
Cincinnati Financial Corporation owns our headquarters building located on 107 acres of land in Fairfield, Ohio. This building has 1,508,200 square feet of total space. The property, including land is recorded in our financial statements at $127 million at December 31, 2025, and is classified as Land, building and equipment, net, for company use. John J. & Thomas R. Schiff & Co. Inc., a related party, occupies 9,056 square feet (less than 1%). This property is used for the operations described in the Consolidated Financial Statements and accompanying Notes.
Cincinnati Financial Corporation owns Gilmore Pointe, located on the northwest corner of our headquarters property. This four-story building contains approximately 103,000 square feet of usable space. The property is recorded in the financial statements at $3 million at December 31, 2025, and is classified as investment property in Other invested assets. At December 31, 2025, unaffiliated tenants occupied 90%, with no Cincinnati Financial affiliates occupying the property.
The rest of Item 2
The Cincinnati Insurance Company owns the CFC Winton Center used for multiple operations with approximately 48,000 square feet of total space, located approximately six miles from our headquarters. The property, including land, is recorded in our financial statements at $7 million at December 31, 2025, and is classified as Land, building and equipment, net, for company use.
We lease office space located in London, United Kingdom, for our Cincinnati Global operations. We also lease office space throughout the U.S. to support our insurance operations.
Item 2 of the 10-K filed Feb 23, 2026.17
Leadership
Who has led Cincinnati Financial, and when. Pick a name to see everywhere that person has worked.
Chief executive
President
Chief financial officer
Chief operating officer
- Chief executive officerStephen M. Spray Aug 21, 2024 to now18
- Chief executive officerSteven J. Johnston May 4, 2011 to Mar 5, 202419
- Chief executive officerKenneth W. Stecher Nov 18, 2008 to Feb 23, 201120
- Chief executive officerJohn J. Schiff Jr. Jan 27, 2005 to May 23, 200821
- ChairSteven J. Johnston Nov 4, 2020 to now22
- ChairKenneth W. Stecher May 6, 2011 to Nov 15, 201623
- ChairJohn J. Schiff Jr. Aug 31, 2007 to Mar 4, 201424
- PresidentStephen M. Spray Feb 23, 2022 to now25
- PresidentSteven J. Johnston May 4, 2011 to Mar 3, 202219
- PresidentMartin F. Hollenbeck Feb 8, 2008 to Feb 20, 200826
- PresidentThomas A. Joseph Nov 18, 2008 to Mar 5, 201227
- PresidentLarry R. Plum Mar 21, 2007 to May 23, 200828
- PresidentJames E. Benoski Mar 22, 2007 to May 16, 200829
- PresidentDavid H. Popplewell Jun 21, 2007 to Nov 17, 201530
- PresidentJohn J. Schiff Jr. Jan 27, 2005 to Feb 8, 200721
- PresidentKenneth W. Stecher Dec 19, 2003 to Feb 23, 201131
- Chief financial officerMichael J. Sewell Jun 2, 2011 to now32
- Chief financial officerSteven J. Johnston Jul 3, 2008 to Feb 23, 201133
- Chief financial officerKenneth W. Stecher Jan 21, 2004 to Feb 14, 200734
- Chief operating officerRoger A. Brown Aug 12, 2016 to now35
- Chief operating officerJames E. Benoski Aug 31, 2007 to May 16, 200836
Board members and other officers (63)
- Senior Vice President-SubAndrew Michael Schnell Feb 9, 2026 to now37
- Senior Vice President-SubLuyang Fu Feb 9, 2026 to now38
- Senior Vice President-SubRobert Philip Sandercox Feb 9, 2026 to now39
- Senior Vice President - SubChet Hogan Swisher Feb 12, 2025 to now40
- Senior Vice President - SubDawn Shannon Chapel Feb 12, 2025 to now41
- Senior Vice President - SubScott Alan Schuler Feb 12, 2025 to now42
- Senior Vice President- SubSteven Anthony Soloria Feb 6, 2023 to now43
- SrVP/Chief Claims OfficerMarc Jon Schambow May 17, 2022 to now44
- Senior Vice PresidentAngela Ossello Delaney May 12, 2020 to now45
- Sr Vice President - SubsidiarySean Michael Givler May 16, 2017 to now46
- Sr Vice President - SubsidiaryTheresa A. Hoffer May 16, 2017 to now47
- Sr. Vice President-SubsidiaryRoger A. Brown May 10, 2016 to Jul 26, 201648
- Sr. Vice President-SubsidiaryDen Heuvel Will H. Van Apr 30, 2014 to now49
- Sr Vice President - SubsidiaryStephen M. Spray May 4, 2012 to Nov 9, 202150
- Sr VP, Gen. Counsel, Corp SecLisa Anne Love May 4, 2011 to Mar 3, 202251
- Sr VP & Chief Risk Off. - SubTeresa C. Cracas May 4, 2011 to now52
- Chief Info Officer-SubsidiaryJohn S. Kellington May 7, 2010 to now53
- Sr Vice President - SubsidiaryCharles P. Stoneburner Ii. Feb 8, 2008 to Nov 17, 201654
- Sr Vice President - SubsidiaryDonald J. Doyle Jr. Feb 8, 2008 to now55
- Sr Vice President -Martin J. Mullen Jun 24, 2008 to Dec 7, 202056
- Sr Vice President- SubsidiaryLarry R. Plum Nov 18, 2008 to Mar 3, 200957
- Sr. Vice PresidentMartin F. Hollenbeck Nov 18, 2008 to Mar 3, 202258
- Sr Vice President - SubsidiaryCraig W. Forrester Feb 14, 2007 to Oct 1, 201259
- Sr. Vice President -Joan O. Shevchik Nov 26, 2007 to Mar 5, 201460
- Executive Vice President &Kenneth W. Stecher Nov 26, 2007 to Feb 20, 200861
- Sr. Vice President -Thomas A. Joseph Nov 26, 2007 to Mar 13, 200862
- SR. VICE PRESIDENTDaniel T. McCurdy Jun 14, 2004 to Jul 5, 200763
- SR. VICE PRESIDENTTimothy L. Timmel Jul 1, 2003 to Mar 3, 201764
- SR. VICE PRESIDENTJ. F. Scherer Jul 25, 2003 to Mar 5, 201965
- RETIRED DIRECTORJames E. Benoski Sep 19, 2003 to Dec 1, 200866
- ASST.TREASURER & ASST. SECRETAEric N. Mathews Nov 26, 2003 to Jun 6, 201667
- Board memberLisa Marie Franchetti Jun 26, 2026 to now68
- Board memberEdward Scott Wilkins Jul 2, 2025 to now69
- Board memberCheng-Sheng Peter Wu Feb 5, 2024 to now70
- Board memberStephen M. Spray Nov 19, 2024 to now71
- Board memberCharles Odell Schiff Aug 14, 2020 to now72
- Board memberNancy Cunningham Benacci Aug 14, 2020 to now73
- Board memberJill P. Meyer Pratt Aug 19, 2019 to now74
- Board memberThomas J. Aaron Nov 21, 2019 to Jan 29, 202475
- Board memberDavid P. Osborn Nov 22, 2013 to now76
- Board memberSteven J. Johnston May 4, 2011 to Mar 4, 202019
- Board memberLinda W. Clement-Holmes Feb 8, 2010 to now77
- Board memberKenneth W. Stecher Aug 13, 2008 to Mar 11, 202078
- Board memberGregory T. Bier Nov 27, 2006 to Feb 3, 202079
- Board memberAlan R. Weiler Jan 21, 2004 to Jan 21, 200480
- Board memberE. Anthony Woods Jan 21, 2004 to Feb 3, 201481
- Board memberFrank J. Schulteis Jan 21, 2004 to Jan 27, 200582
- Board memberGretchen W. Price Jan 21, 2004 to now83
- Board memberJohn M. Shepherd Jan 21, 2004 to Feb 1, 200784
- Board memberKenneth C. Lichtendahl Jan 21, 2004 to Jan 31, 202285
- Board memberLarry R. Webb Jan 21, 2004 to now86
- Board memberMichael Brown Jan 21, 2004 to Feb 2, 200787
- Board memberWilliam F. Bahl Jan 21, 2004 to Jan 31, 202288
- Board memberDirk J. Debbink May 6, 2004 to now89
- Board memberDouglas S. Skidmore May 6, 2004 to now90
- Board memberJohn E. Field Jul 7, 2003 to Jul 26, 200491
- Board memberJohn J. Schiff Jr. Jul 23, 2003 to Feb 21, 201792
- Board memberRodney McMullen Aug 5, 2003 to Feb 3, 202093
- Board memberRobert C. Schiff Aug 29, 2003 to Jan 27, 200594
- Board memberJames E. Benoski Sep 19, 2003 to Mar 12, 201066
- Board memberThomas R. Schiff Oct 2, 2003 to Feb 1, 202195
- General counselThomas Christopher Hogan May 13, 2024 to now96
- General counselLisa Anne Love Jun 9, 2022 to Mar 5, 202497
Timeline
- Sep 28, 20268-K Entered a material agreement; New debt or obligation98
- Aug 25, 20268-K Regulation FD disclosure; Other events99
- Aug 21, 20268-K Regulation FD disclosure100
- Jul 27, 20268-K Results of operations101
- Jun 22, 20268-K Executive or director change; Regulation FD disclosure102
- Jun 16, 20268-K Executive or director change; Regulation FD disclosure103
- May 19, 20268-K Regulation FD disclosure104
- May 6, 20268-K Shareholder vote; Regulation FD disclosure105
- Apr 27, 20268-K Results of operations106
- Feb 9, 20268-K Results of operations107
- Jan 30, 20268-K Executive or director change; Regulation FD disclosure108
- Nov 14, 20258-K Regulation FD disclosure109
- Aug 21, 2024New chief executive Stephen M. Spray becomes CEO18
- May 4, 2011New chief executive Steven J. Johnston becomes CEO19
- Nov 18, 2008New chief executive Kenneth W. Stecher becomes CEO20
- Jan 27, 2005New chief executive John J. Schiff Jr. becomes CEO21
- 1950Founded Founded1
Calendar
Coming up
- Oct 26, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $2.85 a share, on Oct 27, 2025.110
When it reported results
- Jul 27, 2026Reported quarterly or annual results101
- Apr 27, 2026Reported quarterly or annual results106
- Feb 9, 2026Reported quarterly or annual results107
- Oct 27, 2025Reported quarterly or annual results111
- Jul 28, 2025Reported quarterly or annual results112
- Apr 28, 2025Reported quarterly or annual results113
- Feb 10, 2025Reported quarterly or annual results114
- Oct 24, 2024Reported quarterly or annual results115
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
578 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 74 major events, 418 insider forms, 16 large holders, 50 other. The latest 20:
- Sep 28, 20268-K EDGAR
- Aug 27, 20264 PRIMARY DOCUMENT EDGAR
- Aug 26, 2026N-PX EDGAR
- Aug 25, 20268-K EDGAR
- Aug 21, 20268-K EDGAR
- Aug 6, 202613F-HR EDGAR
- Aug 4, 20264 PRIMARY DOCUMENT EDGAR
- Jul 27, 202610-Q EDGAR
- Jul 27, 20268-K EDGAR
- Jun 26, 20263 PRIMARY DOCUMENT EDGAR
- Jun 22, 20268-K EDGAR
- Jun 17, 202611-K EDGAR
- Jun 16, 20268-K EDGAR
- Jun 10, 20264 PRIMARY DOCUMENT EDGAR
- Jun 1, 20264 PRIMARY DOCUMENT EDGAR
- May 19, 20268-K EDGAR
- May 13, 20264 PRIMARY DOCUMENT EDGAR
- May 11, 2026EFFECT EDGAR
- May 11, 20264 PRIMARY DOCUMENT EDGAR
- May 11, 202613F-HR EDGAR
The 578 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
28 open-market trades by officers, directors and large owners since October 2021: 23 buys and 5 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 25, 2026 | Debbink Dirk JDirector | Buy | 1,000 | $171.64 | $171.6K | Form 4 |
| Aug 3, 2026 | Schiff Charles OdellDirector | Sale | 7,600 | $175.40 | $1.3M | Form 4 |
| Feb 11, 2026 | Debbink Dirk JDirector | Buy | 1,000 | $162.58 | $162.6K | Form 4 |
| Dec 3, 2025 | WILKINS EDWARD SCOTTDirector | Buy | 140 | $163.77 | $22.9K | Form 4 |
| Oct 28, 2025 | Debbink Dirk JDirector | Buy | 1,000 | $153.98 | $154.0K | Form 4 |
| Aug 15, 2025 | Schiff Charles OdellDirector | Sale | 3,500 | $153.54 | $537.4K | Form 4 |
| Feb 21, 2025 | Benacci Nancy CunninghamDirector | Buy | 1,000 | $136.16 | $136.2K | Form 4 |
| Dec 3, 2024 | Debbink Dirk JDirector | Buy | 1,000 | $157.19 | $157.2K | Form 4 |
| Dec 3, 2024 | Debbink Dirk JDirector | Buy | 1,000 | $157.19 | $157.2K | Form 4 |
| Jul 31, 2024 | Schiff Charles OdellDirector | Sale | 6,000 | $130.44 | $782.6K | Form 4 |
| Apr 29, 2024 | Osborn David PDirector | Buy | 2,000 | $111.64 | $223.3K | Form 4 |
| Apr 29, 2024 | Debbink Dirk JDirector | Buy | 1,000 | $113.47 | $113.5K | Form 4 |
| Dec 5, 2023 | Debbink Dirk JDirector | Buy | 2,000 | $102.98 | $206.0K | Form 4 |
| Oct 30, 2023 | Debbink Dirk JDirector | Buy | 1,000 | $98.78 | $98.8K | Form 4 |
| Sep 12, 2023 | Benacci Nancy CunninghamDirector | Buy | 1,000 | $106.57 | $106.6K | Form 4 |
| Jun 1, 2023 | Aaron Thomas JDirector | Buy | 500 | $97.17 | $48.6K | Form 4 |
| May 25, 2023 | Debbink Dirk JDirector | Buy | 1,000 | $98.39 | $98.4K | Form 4 |
| May 17, 2023 | Schiff Charles OdellDirector | Sale | 20,000 | $102.74 | $2.1M | Form 4 |
| Dec 6, 2022 | Debbink Dirk JDirector | Buy | 1,000 | $106.13 | $106.1K | Form 4 |
| Sep 1, 2022 | Skidmore Douglas SDirector | Buy | 565 | $96.76 | $54.7K | Form 4 |
All 28 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- VANGUARD CAPITAL MANAGEMENT LLCSCHEDULE 13G, 1 filing Apr 29, 2026116
- VANGUARD PORTFOLIO MANAGEMENT LLCSCHEDULE 13G, 1 filing Apr 29, 2026117
- VANGUARD GROUP INCSCHEDULE 13G/A, 4 filings Feb 9, 2022 to Mar 26, 2026118
- BlackRockSC 13G/A, 3 filings Feb 1, 2022 to Jan 26, 2024119
- State Street CorporationSC 13G/A, 3 filings Feb 10, 2022 to Jan 25, 2024120
- Aristotle Capital Management, LLCSC 13G/A, 3 filings Feb 14, 2022 to Nov 14, 2023121
- Select Equity Group, L.P.SC 13G/A, 1 filing Feb 14, 2022122
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Stephen M. SprayPresident and Chief Executive Officer Cincinnati Financial Corporation | 59 | $1.1M | $5.9M123 |
| 2025 | Michael J. SewellChief Financial Officer, Executive Vice President and Treasurer Cincinnati Financial Corporation | $1.1M | $3.9M123 | |
| 2025 | Steven J. JohnstonExecutive Chairman of the Board and former Chief Executive Officer Cincinnati Financial Corporation | 66 | $513.8K | $2.8M123 |
| 2025 | John S. KellingtonChief Information Officer and Executive Vice President The Cincinnati Insurance Company | $748.3K | $2.7M123 | |
| 2025 | Teresa C. CracasChief Risk Officer and Executive Vice President The Cincinnati Insurance Company | $681.4K | $2.5M123 | |
| 2024 | Steven J. JohnstonExecutive Chairman of the Board and former Chief Executive Officer Cincinnati Financial Corporation | 66 | $753.7K | $9.9M123 |
| 2024 | Stephen M. SprayPresident and Chief Executive Officer Cincinnati Financial Corporation | 59 | $1.1M | $8.8M123 |
| 2024 | Michael J. SewellChief Financial Officer, Executive Vice President and Treasurer Cincinnati Financial Corporation | $1.0M | $6.0M123 | |
| 2024 | John S. KellingtonChief Information Officer and Executive Vice President The Cincinnati Insurance Company | $724.0K | $4.1M123 | |
| 2024 | Teresa C. CracasChief Risk Officer and Executive Vice President The Cincinnati Insurance Company | $659.2K | $3.8M123 | |
| 2023 | Steven J. JohnstonExecutive Chairman of the Board and former Chief Executive Officer Cincinnati Financial Corporation | 66 | $1.2M | $8.4M123 |
| 2023 | Michael J. SewellChief Financial Officer, Executive Vice President and Treasurer Cincinnati Financial Corporation | $995.5K | $4.9M123 | |
| 2023 | Stephen M. SprayPresident and Chief Executive Officer Cincinnati Financial Corporation | 59 | $893.8K | $4.7M123 |
| 2023 | John S. KellingtonChief Information Officer and Executive Vice President The Cincinnati Insurance Company | $694.2K | $3.4M123 | |
| 2023 | Teresa C. CracasChief Risk Officer and Executive Vice President The Cincinnati Insurance Company | $632.1K | $3.1M123 |
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| BlackRock, Inc. | 12,610,089 | $2.3B | 0.0% | −1,069 |
| Vanguard Capital Management LLC | 10,124,435 | $1.9B | 0.0% | +12,999 |
| State Street Corp | 8,539,606 | $1.6B | 0.0% | +252,227 |
| Vanguard Portfolio Management LLC | 8,150,052 | $1.5B | 0.1% | +33,566 |
| Charles Schwab Investment Management Inc | 5,482,870 | $1.0B | 0.1% | +440,143 |
| Geode Capital Management, LLC | 4,210,819 | $776.5M | 0.0% | +8,860 |
| First Trust Advisors LP | 4,145,056 | $767.4M | 0.5% | +2,040,599 |
| Invesco Ltd. | 2,671,164 | $494.5M | 0.0% | +569,901 |
| Morgan Stanley | 1,912,381 | $354.1M | 0.0% | +30,881 |
| Bank Of America Corp /de/ | 1,879,069 | $347.9M | 0.0% | +19,164 |
| London Co Of Virginia | 1,816,988 | $336.4M | 1.9% | −70,423 |
| Norges Bank | 1,660,670 | $307.5M | 0.0% | New |
| Dimensional Fund Advisors LP | 1,615,302 | $299.1M | 0.1% | +100,569 |
| Fort Washington Investment Advisors Inc /oh/ | 1,495,541 | $276.9M | 1.4% | −3,135 |
| Northern Trust Corp | 1,451,673 | $268.8M | 0.0% | −34,214 |
| Johnson Investment Counsel Inc | 1,417,965 | $262.5M | 1.9% | −35,828 |
| Bahl & Gaynor LLC | 1,217,117 | $225.3M | 1.0% | −333 |
| Arrowstreet Capital, Limited Partnership | 1,214,615 | $224.9M | 0.1% | +311,587 |
| GQG Partners LLC | 1,170,338 | $216.7M | 0.4% | −347,980 |
| Legal & General Group Plc | 1,082,054 | $200.3M | 0.0% | −38,274 |
| Goldman Sachs Group Inc | 1,059,043 | $196.1M | 0.0% | +111,947 |
| UBS Group AG | 1,050,678 | $194.5M | 0.0% | +254,753 |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | 1,013,600 | $187.7M | 0.0% | −10,174 |
| ProShare Advisors LLC | 1,009,421 | $186.9M | 0.3% | −53,504 |
| Royal Bank Of Canada | 892,871 | $165.3M | 0.0% | −60,765 |
13F reports cover disclosed long positions in U.S. stocks only.
Members of Congress who traded it
7 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.
| Date | Member | Trade | Amount | Vs S&P since | Filing |
|---|---|---|---|---|---|
| Sep 18, 2026 | Gilbert Ray Cisneros, Jr.Democratic, House | Buy | $1,001 - $15,000 | +0.0% | Report |
| Apr 9, 2025 | Josh GottheimerDemocratic, House | Partial sale | $1,001 - $15,000 | +13.5% | Report |
| Mar 18, 2025 | Sheri BiggsRepublican, House | Sale | $1,001 - $15,000 | +20.2% | Report |
| Jun 21, 2024 | Josh GottheimerDemocratic, House | Partial sale | $1,001 - $15,000 | −6.9% | Report |
| May 25, 2023 | Zoe LofgrenDemocratic, House | Sale | $1,001 - $15,000 | +12.3% | Report |
| Jan 11, 2023 | Josh GottheimerDemocratic, House | Partial sale | $1,001 - $15,000 | +39.3% | Report |
| Mar 23, 2020 | Zoe LofgrenDemocratic, House | Sale | $1,001 - $15,000 | +89.7% | Report |
Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).
SEC filer profile
How Cincinnati Financial is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARCINCINNATI FINANCIAL CORP2
- CIK0000020286
- Employer ID (EIN)31-074687117
- Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company17
- Incorporated inOhio17
- Fiscal year endsDecember 312
- Industry code (SIC)6331 Fire, Marine & Casualty Insurance2
- SEC reviewing officeOffice of Finance, Division of Corporation Finance2
- Business address6200 S Gilmore Rd, Fairfield, OH 450142
- Mailing addressP.O. Box 145496, Cincinnati, OH 452502
- Phone51387020002
- Shares outstanding153,478,045 as of Jul 22, 202615
- Public float$22.8B as of Jun 30, 202517
- AuditorDELOITTE & TOUCHE LLP, Cincinnati, Ohio PCAOB ID 34; it also attests to the company’s internal control over financial reporting17
- On EDGAR sinceFeb 10, 19942
- Filings2,936 in all: 4 (1,831), 8-K (400), 10-Q (98), SC 13G/A (96), 13F-HR (91), 5 (64), 3 (41), 4/A (40)2
All 45 form types
SC 13G (36), 10-K (33), DEF 14A (33), 11-K (25), DEFA14A (23), CORRESP (17), UPLOAD (17), S-8 (12), 13F-HR/A (10), PRE 14A (9), EFFECT (8), S-3 (8), 8-K/A (7), S-3/A (4), 424B3 (3), ARS (3), N-PX (3), AW WD (2), S-4 (2), S-4/A (2), SCHEDULE 13G (2), 10-K/A (1), 10-Q/A (1), 3/A (1), 40-APP (1), 424B1 (1), 424B4 (1), DEFR14A (1), DEL AM (1), POS AM (1), PRER14A (1), PX14A6G (1), S-3MEF (1), S-8 POS (1), SC 13D (1), SC 13D/A (1), SCHEDULE 13G/A (1)
- Latest filingsAnnual report (10-K) Feb 23, 2026
Quarterly report (10-Q) Jul 27, 2026
Proxy statement (DEF 14A) Mar 18, 2026
Latest 8-K (8-K) Sep 28, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common stock, $2.00 par | CINF | Nasdaq Global Select Market |
From the cover page of the 10-K filed Feb 23, 2026 (Section 12(b) of the Exchange Act).17
Risk factors and legal proceedings
The risks Cincinnati Financial names in Item 1A of its 10-K filed Feb 23, 2026: 18 risks under these headings, as written.17
- Risks related to insurance operations
- Loss reserves, our largest liability, are based on estimates and could be inadequate to cover actual losses.
- We could experience an unusually high level of losses due to natural or man-made catastrophe, terrorism or epidemic events or risk concentrations.
- Climate change may adversely impact our results of operations and/or our financial position.
- Our pricing and capital models could be flawed.
- Our ability to properly underwrite and price risks and increased competition could adversely affect our results.
- We rely primarily on independent insurance agents to distribute our products.
- Our ability to react to changes in consumer behavior and preferences.
- Our ability to obtain or collect on our reinsurance protection could affect our business, financial condition, results of operations or cash flows.
- Our credit ratings or financial strength ratings of our insurance subsidiaries could be downgraded.
- International operations subject us to additional regulation and expose us to additional investment, political and economic risks.
- Risks related to investments or other financial matters
The other 8 risks
- Financial disruption or a prolonged economic downturn could affect our investment performance.
- Our ability to achieve our performance objectives could be affected by changes in the financial, credit and capital markets or the general economy.
- Our status as an insurance holding company with no direct operations could affect our ability to pay dividends in the future.
- General risk factors
- The effects of changes in industry practices, laws and regulations on our business are uncertain.
- Elevated inflation negatively impacts profit and the value of investments.
- Managing technology initiatives and meeting data security requirements are significant challenges.
- Any failure to protect the confidentiality of customer information could adversely affect our reputation or expose us to fines, penalties or litigation, which could impact our business, financial condition and results of operations.
- Our business depends on the uninterrupted operation of our facilities, systems, people and business functions.
Legal proceedings
Neither the company nor any of our subsidiaries are involved in any litigation believed to be material other than ordinary, routine litigation incidental to the nature of our business.
The opening of Item 3, Legal Proceedings.17
Links
- Websitewww.cinfin.com1
- WikipediaCincinnati Financial
- WikidataQ5120253
- SEC EDGARCIK 20286
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1WikidataCincinnati Financial on Wikidata
- 2
- 3WikipediaCincinnati Financial on Wikipedia
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- 5Yahoo FinanceCINF quote
- 6Wikimedia CommonsCincinnati Financial logo by https://www.cinfin.com/, Non-free logo
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- 22SEC EDGARSteven J. Johnston, Chair
- 23SEC EDGARKenneth W. Stecher, Chair
- 24SEC EDGARJohn J. Schiff Jr., Chair
- 25SEC EDGARStephen M. Spray, President
- 26SEC EDGARMartin F. Hollenbeck, President
- 27SEC EDGARThomas A. Joseph, President
- 28SEC EDGARLarry R. Plum, President
- 29SEC EDGARJames E. Benoski, President
- 30SEC EDGARDavid H. Popplewell, President
- 31SEC EDGARKenneth W. Stecher, President
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- 38SEC EDGARLuyang Fu, Senior Vice President-Sub
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- 65SEC EDGARJ. F. Scherer, SR. VICE PRESIDENT
- 66SEC EDGARJames E. Benoski, RETIRED DIRECTOR
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- 68SEC EDGARLisa Marie Franchetti, Board member
- 69SEC EDGAREdward Scott Wilkins, Board member
- 70SEC EDGARCheng-Sheng Peter Wu, Board member
- 71SEC EDGARStephen M. Spray, Board member
- 72SEC EDGARCharles Odell Schiff, Board member
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- 74SEC EDGARJill P. Meyer Pratt, Board member
- 75SEC EDGARThomas J. Aaron, Board member
- 76SEC EDGARDavid P. Osborn, Board member
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- 78SEC EDGARKenneth W. Stecher, Board member
- 79SEC EDGARGregory T. Bier, Board member
- 80SEC EDGARAlan R. Weiler, Board member
- 81SEC EDGARE. Anthony Woods, Board member
- 82SEC EDGARFrank J. Schulteis, Board member
- 83SEC EDGARGretchen W. Price, Board member
- 84SEC EDGARJohn M. Shepherd, Board member
- 85SEC EDGARKenneth C. Lichtendahl, Board member
- 86SEC EDGARLarry R. Webb, Board member
- 87SEC EDGARMichael Brown, Board member
- 88SEC EDGARWilliam F. Bahl, Board member
- 89SEC EDGARDirk J. Debbink, Board member
- 90SEC EDGARDouglas S. Skidmore, Board member
- 91SEC EDGARJohn E. Field, Board member
- 92SEC EDGARJohn J. Schiff Jr., Board member
- 93SEC EDGARRodney McMullen, Board member
- 94SEC EDGARRobert C. Schiff, Board member
- 95SEC EDGARThomas R. Schiff, Board member
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- 97SEC EDGARLisa Anne Love, General counsel
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- 100SEC EDGARRegulation FD disclosure
- 101SEC EDGARResults of operations
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- 104SEC EDGARRegulation FD disclosure
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- 106SEC EDGARResults of operations
- 107SEC EDGARResults of operations
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- 109SEC EDGARRegulation FD disclosure
- 110NasdaqNasdaq calendar
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