Cincinnati Financial Corporation (CINF)

From the record

Cincinnati Financial Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Cincinnati Financial Corporation's 10 filed years say what it did: revenue went from $5.4 billion in fiscal 2016 to $13 billion in fiscal 2025, up 9.8% a year; it rose in 6 of 9 years; the deepest fall was 32% from fiscal 2021 to fiscal 2022; net income was positive in 9 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Cincinnati Financial Corporation's diluted share count shrank about 0.2% a year, and dividends and buybacks returned about 24% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 3 purchases of their own stock on the open market in the year to 2026-11-10, buying about $357 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Cincinnati Financial Corporation earned about 15 cents of profit for every dollar of shareholders' money. Leverage: it owed about 61 cents per dollar of assets, and net share issuance: its share count shrank 0.1% over the year (the filed statements).

From the record

Cincinnati Financial Corporation's standing among 60 graded names in its industry family: revenue of $13 billion in fiscal 2025 ranks in the top 26% by size; a net margin of 18.9% ranks in the top 26%; revenue growth of 24.4% a year over the last 3 filed years ranks in the top 26% (its annual reports).

From the record

Cincinnati Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Spray, Stephen M (President & CEO, as filed), filing under that title since 2024-08-21, 2.2 years (bottom 27% of its family); the 32 officers and directors filing in the last fifteen months have been on the record a median of 8.4 years (top 39%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 32 people in charge now (top 19%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Cincinnati Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $1.4 billion against debt of $790 million leaves 1.6% of its assets as net cash, bottom 46% of its family; cash from operations less capital spending is 24.5% of revenue (top 27%) (its annual report).

From the record

Cincinnati Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 24.4% a year over the last three filed years against 9.8% over all 10, speeding up (top 10% of its family); the newest year grew 11.4% (top 33%); capital spending grew 10.1% a year (top 26%) (its annual reports). Cincinnati Financial Corporation reported 5 lines of business in fiscal 2025: Commercial Lines Insurance at $4.9 billion, Personal Lines Insurance at $3.2 billion, Investment Segment of CINF at $2.6 billion, and 2 more. 5 of 5 grew in the latest filed year, and the largest line is 42% of revenue (its annual report).

From the record

Cincinnati Financial Corporation's newest year against its own record: revenue of $13 billion in fiscal 2025 came in 15.2% below the $15 billion its prior three years' pace pointed to (bottom 17% of its family); net income of $2.4 billion against a prior three-year average of $1.2 billion (top 46%); a net margin of 18.9% against 10.4% before (top 29%) (its annual reports).