Company Analysis

Cincinnati Financial Corporation (CINF)

Nasdaq: CINF · Fire, Marine & Casualty Insurance · Fairfield, OH · filing with the SEC since 1994
Grade6.3
◀ Past 6.1● Present 6.5▶ Future 6.1
The companyfiscal 2025, as filed
Revenue$12.63B+11.4%
Net income$2.39B+4.4%
Earnings per share$15.17+4.4%
Operating cash flow$3.11B+17.5%
Cash$1.43B+45.6%
Debt$790M0.0%
Shareholders’ equity$15.91B+14.2%
Shares, diluted157.7M-0.1%
Return on equity15.0%
The recordfrom its filings
Filings in 2026109
Newest filingNov 10 · 4
Annual reportFeb 23, 2026
Quarterly reportOct 26, 2026
Next report due10-K by Mar 1
Insider sales, 12 months$1.3M
Insider buys, 12 months$400,000
Patents grantedn/a
Filer categoryLarge accelerated filer
Trailing twelve months to Sep 2026Revenue $13.28BNet income $2.66BCash from operations $3.09Bthe four newest filed quarters added
Left: the newest annual report, with the change on the year before. Right: counted from the company's own filings with the SEC.
Revenue and net income by fiscal yearRevenueNet income
16171819202122232425
As filed, in USD. Nothing here is a forecast.

The company now

On October 26, 2026, Cincinnati Financial reported third-quarter net income of $459 million, or $2.96 per share, against $1.122 billion, or $7.11 per share, a year earlier 2.

The $663 million fall came mostly from smaller investment gains, down $657 million after tax, and from $41 million less underwriting profit, the profit left after claims and costs 2.

Core insurance results held up better: non-GAAP operating income, a measure that sets investment gains and losses aside, was $443 million against $449 million 2.

The combined ratio, which sets claims and expenses against premiums earned, was 90.9 percent against 88.2 percent 2. Chief executive Stephen Spray said catastrophe losses grew by 7.0 points, moving closer to historical averages for the third quarter 2.

Book value per share, the company's net assets divided by its shares, stood at $105.42 on September 30, 2026, up $3.07 since year-end 2. The open question is weather: catastrophe losses decide how much underwriting profit is left each quarter 23.

As of Oct 28, 2026. Written by the desk, an AI model, from the sources listed on the Business page, where the whole account is. Nothing here is advice.

Newer filings are on file since this was written; an update is queued.

News

Nov 10, 2026 · SEC EDGAR · Form 4
Insider trade report
Open the filing on sec.gov
Nov 9, 2026 · SEC EDGAR · Form 8-K
Current report
Open the filing on sec.gov
Nov 6, 2026 · SEC EDGAR · Form 4
Insider trade report
Open the filing on sec.gov
Oct 30, 2026 · SEC EDGAR · Form 4
Insider trade report
Open the filing on sec.gov
Oct 26, 2026 · SEC EDGAR · Form 10-Q
Quarterly report
Open the filing on sec.gov
Oct 26, 2026 · SEC EDGAR · Form 8-K
Results released
Open the filing on sec.gov
Sep 28, 2026 · SEC EDGAR · Form 8-K
Current report
Open the filing on sec.gov
Aug 27, 2026 · SEC EDGAR · Form 4
Insider trade report
Open the filing on sec.gov
Aug 26, 2026 · SEC EDGAR · Form N-PX
Proxy voting record
Open the filing on sec.gov
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SI Assistanton CINF · research, not advice