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Cincinnati Financial (CINF) stock

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NASDAQ: CINF Nasdaq Property & Casualty Insurance Next results ~February 8, 2027

C+ Fundamentals grade

Cincinnati Financial is a US-listed company in the property & casualty insurance industry. Its financial year ends in December.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

Value diary

Our note on each quarter Cincinnati Financial files

10-Q filed October 26: Cincinnati Financial

Revenue for the twelve months to September 2026 reached $13.3bn, a gain of 9.9% on a year earlier. That pace has cooled from the 19.6% recorded a quarter earlier. Even so, the increase ranks 2 of 8 among the property and casualty insurance companies we cover, so Cincinnati Financial is still growing faster than most of its peers. The fundamentals grade tells a less flattering story, slipping from B+ to C. The shares currently trade at $177, leaving a gap between that estimate and the market price.

Our model value for Cincinnati Financial is under review, so past values are not shown until it is resolved.

Source: 10-Q filed October 26, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (1)

Where Cincinnati Financial stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $14.0bn, up 19.6% on a year earlier, faster than 17.9% a quarter earlier. That growth ranks 1 of 8 among the property & casualty insurance companies we cover.

10-Q on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~February 8, 2027 (estimated)

Cincinnati Financial's trailing-twelve-month revenue grew 9.9% year on year, with a free-cash-flow margin of 23.2%. Where it stands out: net margin of 20.1% ranks 7 of 48 property & casualty insurance companies we cover. Where it lags: change in growth rate of -9.6pp ranks 45 of 48 property & casualty insurance companies we cover.

Current signal Free cash flow diverging from earnings: TTM free cash flow grew 10.3% while net income grew 25.5%: a 15pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Strong cash generation. 23.2% of revenue turned into free cash flow.

Things to watch

  • Growth slowing. The growth rate is 9.6 points lower than a quarter earlier.

Latest results: FY2026 Q3

Filed October 26, 2026
Earnings per share
$2.86 against an average estimate of $2.11: beat by 35.6%
Revenue
$3.05bn, down 18.2% on a year earlier
Share reaction
+2.9% in the first session after the results on October 26, 2026, against +1.3% for the S&P 500
Next report
October 26, 2026; average EPS estimate $3.08

Cincinnati Financial's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+1.4%
  • 1 week+3.6%
  • 1 month+13.5%
  • This year+14.5%
  • 1 year+21.6%
  • 5 years+66.9%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$13.3B
Net margin
20.1%
EPS (TTM, diluted)
$17.01

Growth

Revenue growth
+9.9%
Change in growth rate
−9.6 pts
Share count change
−0.6%

Earnings

Last results
October 26, 2026
Next results (est.)
February 8, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Our research
  2. Results
  3. Agreement
  4. Announcement
  5. Announcement
  6. Insider trade
  7. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Cincinnati Financial valuation models and calculator

No model value for Cincinnati Financial at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: valuation models disagree too widely to rate: held for review.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value Cincinnati Financial as an insurer, with every model that fits that kind of business. Cost of equity 7.9%: the 10-year Treasury yield (4.9%) plus a beta of 0.66 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$230 ~$160–$340 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$250 ~$210–$310 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$190 ~$120–$260 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$140 ~$110–$230 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$92 ~$81–$120 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$280 ~$220–$360 Included
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Cincinnati Financial with property, casualty and specialty insurers in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

66 /100

Moderate moat

How hard Cincinnati Financial's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 20 / 20

    Net income has been a median 4.8% of total assets over 10 years.

  • Durability 5 / 20

    Net margin has been a median 16.6%; its worst year was -0.1%.

  • Discipline 18 / 20

    The diluted share count fell 3.9% over five years; stock-based pay has been a median 0.4% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (71 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $8.85 +11% $13.2bn +5%
Next $9.13 +3% $12.5bn −5%

Next year's EPS estimate has moved −0.4% in 90 days, across 8 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +4.5% on 90 days ago. In the last 30 days, 2 analysts raised Cincinnati Financial's forecast and 0 cut it.

Consensus EPS forecast Cincinnati Financial, last 90 days
$8.40 $8.60 $8.80 $9.00 $9.20 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $8.47 Current fiscal year, 60 days ago: $8.44 Current fiscal year, 30 days ago: $8.44 Current fiscal year, 7 days ago: $8.61 Current fiscal year, Now: $8.85 $8.85 Next fiscal year, 90 days ago: $9.16 Next fiscal year, 60 days ago: $9.03 Next fiscal year, 30 days ago: $9.03 Next fiscal year, 7 days ago: $9.06 Next fiscal year, Now: $9.13 $9.13

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $8.47$9.16
60 days ago $8.44$9.03
30 days ago $8.44$9.03
7 days ago $8.61$9.06
Now $8.85$9.13

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $2.11 $2.86 +35.6%
Jun 2026 $1.82 $1.43 −21.3%
Mar 2026 $1.94 $2.10 +8.2%
Dec 2025 $2.89 $3.37 +16.6%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 26, 2026

No numeric guidance in Cincinnati Financial's latest earnings release (filed October 26, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

8 analysts, Oct 2026
Buy225%
Hold675%
Sell00%

Monthly trend

  1. Oct 2026268
  2. Sep 2026268
  3. Aug 2026268

Counts of recommendations published by analysts covering Cincinnati Financial, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
3.1%
of tradable shares
Days to cover
5.78
at average volume
Short interest, 1 month
+8%
to October 15, 2026
Held by institutions
74%
of shares
Held by insiders
1.7%
of shares
Employees
5,705
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +21.6%

$151.19 on October 31, 2025 to $183.78

ThenNowEffect
Revenue (last 12 months) $11.7bn $14.0bn +19.6%
Net margin 15.6% 23.8% +52.9%
P/E multiple 13.1x 8.7x −33.6%
Share count 158m 157m +0.1%

Biggest factor: net margin.

Last 3 years +95.9%

$93.81 on November 3, 2023 to $183.78

ThenNowEffect
Revenue (last 12 months) $9.4bn $14.0bn +48.9%
Net margin 14.5% 23.8% +64.8%
P/E multiple 10.9x 8.7x −20.5%
Share count 158m 157m +0.4%

Biggest factor: net margin.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
CINF+33%−8%+4%+43%+16%+15%
Industry peers (median)+14%+1%+9%+30%+7%+10%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
CINF67%50%50%75%50%46%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
CINF−12%−36%−24%−11%−14%−17%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 58% from October 4, 2019 to May 13, 2020. Getting back needed a 139% gain, reached on April 30, 2021, 352 days after the low.

Price behaviour

52-week range
$150.28 – $190.94
From 52-week high
−3.8%
vs 50-day average
+8.6%
vs 200-day average
+10.2%
Volatility (1 year)
21%
Beta vs S&P 500
-0.10

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
7 up, 5 down
typical move ±3.1%
After a week
5 up, 7 down
typical move ±3.2%
After a month
7 up, 4 down
typical move ±5.9%
Results releasedNext dayS&P 500 next day5 days21 days
October 26, 2026 +2.9% +1.3% +4.2% —
July 27, 2026 −0.1% +0.3% −2.6% −6.2%
April 27, 2026 +0.3% −0.3% −3.0% −0.9%
February 9, 2026 −5.5% +0.2% −3.8% −5.0%
October 27, 2025 −3.1% +1.4% −1.9% +7.5%
July 28, 2025 +2.0% −0.3% +0.2% +2.8%
April 28, 2025 +4.6% +0.7% +7.6% +10.6%
February 10, 2025 +1.8% +0.8% −0.3% +2.2%
October 24, 2024 +1.7% +0.2% +1.4% +12.7%
July 25, 2024 +3.3% +0.6% +8.3% +10.6%
April 25, 2024 −7.5% +0.6% −3.1% −1.9%
February 6, 2024 −4.2% +1.1% −1.9% +4.9%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Fundamentals

Revenue (TTM) Cincinnati Financial
$10B $11B $12B $13B $14B FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue (TTM), FY23 Q4: $10B Revenue (TTM), FY24 Q1: $10.7B Revenue (TTM), FY24 Q2: $10.6B Revenue (TTM), FY24 Q3: $12.2B Revenue (TTM), FY24 Q4: $11.3B Revenue (TTM), FY25 Q1: $11B Revenue (TTM), FY25 Q2: $11.7B Revenue (TTM), FY25 Q3: $12.1B Revenue (TTM), FY25 Q4: $12.6B Revenue (TTM), FY26 Q1: $12.9B Revenue (TTM), FY26 Q2: $14B Revenue (TTM), FY26 Q3: $13.3B $13.3B

Source: SEC EDGAR filings. Retrieved October 27, 2026.

View chart data
Period Revenue (TTM)
FY23 Q4 $10B
FY24 Q1 $10.7B
FY24 Q2 $10.6B
FY24 Q3 $12.2B
FY24 Q4 $11.3B
FY25 Q1 $11B
FY25 Q2 $11.7B
FY25 Q3 $12.1B
FY25 Q4 $12.6B
FY26 Q1 $12.9B
FY26 Q2 $14B
FY26 Q3 $13.3B
Revenue growth, TTM YoY Cincinnati Financial
-20% 0% 20% 40% 60% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue growth, TTM YoY, FY23 Q4: 52.6% Revenue growth, TTM YoY, FY24 Q1: 41.1% Revenue growth, TTM YoY, FY24 Q2: 13.6% Revenue growth, TTM YoY, FY24 Q3: 24.4% Revenue growth, TTM YoY, FY24 Q4: 13.2% Revenue growth, TTM YoY, FY25 Q1: 2.4% Revenue growth, TTM YoY, FY25 Q2: 9.6% Revenue growth, TTM YoY, FY25 Q3: -0.6% Revenue growth, TTM YoY, FY25 Q4: 11.4% Revenue growth, TTM YoY, FY26 Q1: 17.9% Revenue growth, TTM YoY, FY26 Q2: 19.6% Revenue growth, TTM YoY, FY26 Q3: 9.9% 9.9%

Source: SEC EDGAR filings. Retrieved October 27, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q4 52.6%
FY24 Q1 41.1%
FY24 Q2 13.6%
FY24 Q3 24.4%
FY24 Q4 13.2%
FY25 Q1 2.4%
FY25 Q2 9.6%
FY25 Q3 -0.6%
FY25 Q4 11.4%
FY26 Q1 17.9%
FY26 Q2 19.6%
FY26 Q3 9.9%
FCF margin (TTM) Cincinnati Financial
18% 20% 22% 24% 26% 28% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 FCF margin (TTM), FY23 Q4: 20.3% FCF margin (TTM), FY24 Q1: 19.9% FCF margin (TTM), FY24 Q2: 21.6% FCF margin (TTM), FY24 Q3: 21.0% FCF margin (TTM), FY24 Q4: 23.2% FCF margin (TTM), FY25 Q1: 23.6% FCF margin (TTM), FY25 Q2: 22.2% FCF margin (TTM), FY25 Q3: 23.1% FCF margin (TTM), FY25 Q4: 24.5% FCF margin (TTM), FY26 Q1: 26.6% FCF margin (TTM), FY26 Q2: 24.4% FCF margin (TTM), FY26 Q3: 23.2% 23.2%

Source: SEC EDGAR filings. Retrieved October 27, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q4 20.3%
FY24 Q1 19.9%
FY24 Q2 21.6%
FY24 Q3 21.0%
FY24 Q4 23.2%
FY25 Q1 23.6%
FY25 Q2 22.2%
FY25 Q3 23.1%
FY25 Q4 24.5%
FY26 Q1 26.6%
FY26 Q2 24.4%
FY26 Q3 23.2%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ billions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Sept 2026
Income
Revenue 3.9 3.8 3.8 4.1 4.5 4.9 5.1 5.4 5.7 5.4 7.9 7.5 9.6 6.6 10.0 11.3 12.6 13.3
Net income 0.4 0.4 0.2 0.4 0.5 0.5 0.6 0.6 1.0 0.3 2.0 1.2 3.0 −0.5 1.8 2.3 2.4 2.7
Diluted EPS $2.65 $2.30 $1.01 $2.57 $3.12 $3.18 $3.83 $3.55 $6.29 $1.75 $12.10 $7.49 $18.24 −$3.06 $11.66 $14.53 $15.17 $17.01
Growth (year on year)
Revenue +2.1% −3.4% +0.8% +8.1% +10.2% +9.1% +4.0% +6.0% +5.2% −5.7% +46.6% −4.9% +27.7% −31.8% +52.6% +13.2% +11.4% +9.9%
Net income +0.7% −13.2% −56.3% +156.7% +22.8% +1.5% +20.8% −6.8% +76.8% −72.5% +595.8% −39.1% +144.1% −116.4% — +24.4% +4.4% +25.5%
Diluted EPS +1.1% −13.2% −56.1% +154.5% +21.4% +1.9% +20.4% −7.3% +77.2% −72.2% +591.4% −38.1% +143.5% −116.8% — +24.6% +4.4% +26.2%
Margins
Net margin 11.1% 9.9% 4.3% 10.2% 11.4% 10.6% 12.3% 10.8% 18.2% 5.3% 25.2% 16.1% 30.8% −7.4% 18.4% 20.2% 18.9% 20.1%
Free-cash-flow margin 12.4% 13.6% 6.3% 15.4% 17.4% 17.5% 20.7% 20.2% 18.1% 21.5% 14.9% 19.5% 20.4% 31.0% 20.3% 23.2% 24.5% 23.2%
Cash flow
Cash from operations 0.5 0.5 0.2 0.6 0.8 0.9 1.1 1.1 1.1 1.2 1.2 1.5 2.0 2.1 2.1 2.6 3.1 3.1
Capital spending 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Free cash flow 0.5 0.5 0.2 0.6 0.8 0.9 1.1 1.1 1.0 1.2 1.2 1.5 2.0 2.0 2.0 2.6 3.1 3.1
Stock-based pay 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 — — — — —
Free cash flow after stock pay 0.5 0.5 0.2 0.6 0.8 0.8 1.0 1.1 1.0 1.1 1.2 1.4 1.9 — — — — —
Balance sheet
Cash 0.6 0.4 0.4 0.5 0.4 0.6 0.5 0.8 0.7 0.8 0.8 0.9 1.1 1.3 0.9 1.0 1.4 1.2
Total debt 0.8 0.8 0.8 0.8 0.8 0.8 0.8 0.8 0.8 0.8 0.8 0.8 0.8 0.8 0.8 0.9 0.9 0.9
Net debt (negative = net cash) 0.2 0.4 0.4 0.3 0.4 0.2 0.3 0.0 0.2 0.1 0.1 −0.1 −0.3 −0.4 −0.1 −0.1 −0.6 −0.4
Diluted shares 163m 163m 163m 164m 165m 165m 166m 167m 166m 165m 165m 162m 163m 159m 158m 158m 158m 157m
Returned to shareholders
Dividends 0.2 0.3 0.3 0.3 0.3 0.3 0.4 0.3 0.4 0.3 0.4 0.4 0.4 0.4 0.5 0.5 0.5 0.6
Buybacks — 0.0 0.0 0.0 0.1 0.0 0.1 0.0 0.1 0.1 0.1 0.3 0.1 0.4 0.1 0.1 0.2 0.5
Total returned 0.2 0.3 0.3 0.3 0.3 0.3 0.4 0.3 0.5 0.5 0.4 0.6 0.5 0.8 0.5 0.6 0.7 1.1

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q3 TTM
Buybacks (TTM)
$499M
Dividends (TTM)
$551M
Returned to shareholders
34%
of free cash flow
Buybacks, last 3 fiscal years
$398M
Diluted share count
−0.6%
year over year
Total shareholder yield
3.7%
dividends 1.9% + buybacks 1.8% of market value
Dividend payout ratio
21%
of net income paid out

Competitors: side by side with peers

Closest by revenue in property & casualty insurance
Last 12 months unless stated CINF WRB CNA FNF ORI ACGL Median
Revenue, last 12 months $13.3bn $14.9bn $15.2bn $15.4bn $9.8bn $19.2bn $1.7bn
Revenue growth, last 12 months 9.9% 1.5% 2.1% 13.0% 12.5% 0.4% 8.0%
Revenue growth, 3-year average 10.8% 7.6% 5.5% 10.8% 8.7% 17.7% 9.5%
Revenue growth, latest quarter −18.2% −0.8% 0.1% 11.4% 5.2% −10.5% 4.2%
Net margin 20.1% 12.5% 6.8% 5.0% 11.2% 24.4% 10.5%
Cash from operations / revenue 23.3% 21.5% 15.0% 36.2% 11.6% 31.7% 18.2%
Free-cash-flow margin 23.2% 21.9% 14.4% 30.5% — 31.5% 17.6%
Free-cash-flow margin, 3-year average 22.4% 24.6% 15.9% 39.9% — 35.5% 16.5%
Stock pay / revenue 0.5% 0.4% — 0.6% — 0.8% 0.6%
Change in share count −0.6% −1.6% −0.1% −1.4% −1.1% −5.0% −0.7%

Median of all 48 companies we cover in property & casualty insurance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

48 property & casualty insurance companies
Measure Company Peer median Rank
Revenue growth Growth 9.9% 8.3% 20 of 48
Change in growth rate Growth -9.6pp -0.7pp 45 of 48
Net margin Profitability 20.1% 10.8% 7 of 48
Change in share count Balance sheet -0.6% -0.7% 25 of 47

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Segments
Line of business Revenue YoY
Commercial Lines Insurance $4.9B ▲ 8.4%
Personal Lines Insurance $3.2B ▲ 21.9%
Investment Segment of CINF $2.6B ▲ 7.9%
Excess and Surplus Lines Insurance $702M ▲ 13.6%
Life Insurance $336M ▲ 3.1%

These categories overlap or exclude eliminations, so shares aren't shown.

From Cincinnati Financial's 10-K filed February 23, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$20.7B
Institutions reporting
949
Shares held vs prior quarter
▲ 4.3%
Positions opened / closed
113 / 88

Top buyers and sellers, Q2 2026: 448 institutions bought and 401 sold ; the biggest buyer was First Trust Advisors LP (+2.0M shares) and the biggest seller Woodline Partners LP (−367K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $2.3B 12.6M 11.3% 0.0%
Vanguard Capital Management LLC $1.9B 10.1M 9.1% ▲ 0.1%
State Street Corp $1.6B 8.5M 7.7% ▲ 3.0%
Vanguard Portfolio Management LLC $1.5B 8.2M 7.3% ▲ 0.4%
Charles Schwab Investment Management Inc $1B 5.5M 4.9% ▲ 8.7%
Geode Capital Management, LLC $777M 4.2M 3.8% ▲ 0.2%
First Trust Advisors LP $767M 4.1M 3.7% ▲ 97.0%
Invesco Ltd. $495M 2.7M 2.4% ▲ 27.1%
Morgan Stanley $354M 1.9M 1.7% ▲ 1.6%
Bank Of America Corp $348M 1.9M 1.7% ▲ 1.0%
London Co Of Virginia $336M 1.8M 1.6% ▼ 3.7%
Norges Bank $307M 1.7M 1.5% —

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Cincinnati Financial's complete shareholder register. Values are as reported by the filers ; 6 inconsistently scaled filing rows were excluded.

Insider trading activity

Full insider history and chart
Insider purchases History → $357,148 3 trades by 2 insiders, last 12 months Insider sales History → $1.3M 1 trade by 1 insider · 0% under pre-set plans
Net ▼ $975,919 net selling
Insider Date Trade Shares Price Value
Debbink Dirk J Director August 25, 2026 Buy 1,000 $171.64 $171,640
Schiff Charles Odell Director August 3, 2026 Sell 7,600 $175.40 $1.3M
Debbink Dirk J Director February 11, 2026 Buy 1,000 $162.58 $162,580
Wilkins Edward Scott Director December 3, 2025 Buy 140 $163.77 $22,928

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 10 trades and filings

In the last 12 months, 1 member of Congress disclosed 1 purchase and 0 sales of Cincinnati Financial shares.

  • Gilbert Ray Cisneros, Jr.(D-CA 31):Purchase, $1,001 - $15,000, traded September 18, 2026, filed October 12, 2026
  • Josh Gottheimer(D-NJ 5):Sale (partial), $1,001 - $15,000, traded April 9, 2025, filed May 14, 2025
  • Sheri Biggs(R-SC 3):Sale (full), $1,001 - $15,000, traded March 18, 2025, filed October 5, 2025

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around February 8, 2027 estimated from the company's past filing pattern, not announced

  • October 26, 2026
  • July 27, 2026
  • April 27, 2026
  • February 9, 2026
  • October 27, 2025
  • July 28, 2025

Recent SEC filings

Data status

When each part of this page on Cincinnati Financial was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Cincinnati Financial in brief

What does Cincinnati Financial do?
Cincinnati Financial is a US-listed company in the property & casualty insurance industry. Its financial year ends in December.
What is Cincinnati Financial's stock ticker?
Cincinnati Financial trades under the ticker CINF on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Cincinnati Financial's revenue, and how fast is it growing?
Over its most recent trailing twelve months, Cincinnati Financial reported revenue of $13.3B, 9.9% higher than a year earlier, according to its SEC filings.
What is Cincinnati Financial's free cash flow?
Cincinnati Financial's free-cash-flow margin is 23.2% of revenue over the trailing twelve months.
Who are Cincinnati Financial's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Vanguard Capital Management LLC and State Street Corp. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Cincinnati Financial buying back stock, and does it pay a dividend?
Cincinnati Financial spent $499M on share repurchases over the trailing twelve months, and its diluted share count fell 0.6% over the year.
What is Cincinnati Financial's market cap?
On November 2, 2026, Cincinnati Financial's market capitalisation was about $28.8B, with a price-to-earnings ratio of 10.8 and net debt of -$381M. Market figures come from third-party market data and may be delayed.
Does Cincinnati Financial pay a dividend?
Yes: Cincinnati Financial paid $551M in dividends over the trailing twelve months, a dividend yield of 1.93% and a payout ratio of 20.7%.
Who are Cincinnati Financial's competitors?
In our Property & Casualty Insurance peer group, the companies closest to Cincinnati Financial are W. R. Berkley Corporation, CNA Financial Corp, Fidelity National Financial, Inc., OLD Republic International Corp and Arch Capital Group. The side-by-side comparison below sets their revenue, margins and growth against Cincinnati Financial's.
Are insiders buying or selling Cincinnati Financial stock?
Over the last 12 months, Cincinnati Financial's directors and officers reported 3 open-market purchases and 1 sales on Form 4. The insider trading page charts every trade.
When is Cincinnati Financial's next earnings date?
Around February 8, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Cincinnati Financial announces its own schedule.