Cincinnati Financial Corp (CINF)
Cincinnati Financial Corp brought in $13.3B of revenue over the twelve months to September 30, 2026, up 9.9% from a year earlier. Net income was $2.7B, a net margin of 20.1%. Operating cash flow minus capital spending left $3.1B of free cash flow in fiscal 2025. At September 30, 2026 it held $1.2B in cash against $791M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 26, 2026.
Key facts about Cincinnati Financial Corp
- Net worth
- Cincinnati Financial Corp has a market value (market cap) of $29B at the latest share price, and shareholders' equity of $16.2B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $12.6B (+11.4% year on year), with net income of $2.4B. Over the 12 months to September 30, 2026: revenue $13.3B, net income $2.7B.
- Cash flow
- In fiscal 2025 operations brought in $3.1B of cash; after $20M of capital spending, free cash flow was $3.1B.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 26, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Cincinnati Financial Corp's next report is expected around February 8, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Cincinnati Financial Corp declared dividends of $3.48 per share in fiscal 2025, a yield of 1.84% at the current price.
What Cincinnati Financial Corp does
Cincinnati Financial Corp is registered with the SEC under industry code SIC 6331 (Fire, Marine & Casualty Insurance). Its shares trade on NASDAQ under the ticker CINF.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $12.6B | $2.4B | $15.17 | $3.1B |
| 2024 | $11.3B | $2.3B | $14.53 | $2.6B |
| 2023 | $10B | $1.8B | $11.66 | $2B |
| 2022 | $6.6B | -$487M | -$3.06 | $2B |
| 2021 | $9.6B | $3B | $18.24 | $2B |
| 2020 | $7.5B | $1.2B | $7.49 | $1.5B |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where CINF ranks in Finance
Dividends
Cincinnati Financial Corp declared $3.48 per share in fiscal 2025. At the current price that is a yield of 1.84%. It paid out $525M in cash dividends, 22% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $3.48 | $525M | 22% |
| 2024 | $3.24 | $490M | 21% |
| 2023 | $3.00 | $454M | 25% |
| 2022 | $2.76 | $423M | n/a |
| 2021 | $2.52 | $395M | 13% |
| 2020 | $2.40 | $375M | 31% |
Latest SEC filings
What Cincinnati Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026
- November 3, 2026Form 13F-HR filing 13F-HR
- October 26, 2026Quarterly report 10-Q · period to September 30, 2026Revenue fell 18% to $3B versus the same quarter last year; diluted EPS $2.96 versus $7.11.
- October 26, 2026
- September 28, 2026Material agreement8-KCincinnati Financial Corporation extended the expiration date of its credit facility to October 10, 2031.
- August 26, 2026Form N-PX filing N-PX
- August 25, 2026
- August 21, 2026
- August 6, 2026Form 13F-HR filing 13F-HR
- July 27, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 32% to $4.3B versus the same quarter last year; diluted EPS $8.05 versus $4.34.
What is CINF worth? A DCF from its reported cash flow
Insider trades
What the people running Cincinnati Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $171.6K worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 4, 2026 | Van Den Heuvel Will HExec Vice President - Sub | Exercised options | 17,479 | $1.2M |
| November 4, 2026 | Van Den Heuvel Will HExec Vice President - Sub | Shares withheld for tax | 11,189 | $2.1M |
| October 28, 2026 | Johnston Steven JChairman, Director | Exercised options | 76,484 | $5.4M |
| October 28, 2026 | Johnston Steven JChairman, Director | Shares withheld for tax | 49,544 | $8.9M |
| August 25, 2026 | Debbink Dirk JDirector | Boughtindirect | 1,000 | $171.6K |
| August 3, 2026 | Schiff Charles OdellDirector | Soldindirect | 7,600 | $1.3M |
| June 8, 2026 | Kellington John SEVP, Chief Info Off. -Sub | Exercised options | 24,221 | $2.1M |
| June 8, 2026 | Kellington John SEVP, Chief Info Off. -Sub | Shares withheld for tax | 17,536 | $2.9M |
Who owns CINF
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Vanguard Capital Management13G, passive | 7.51% | April 29, 2026 |
| Vanguard Portfolio Management13G, passive | 5.22% | April 29, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 953 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 12,610,089 | -1,069 |
| Vanguard Capital Management LLC | 10,124,435 | +12,999 |
| State Street Corp | 8,539,606 | +252,227 |
| Vanguard Portfolio Management LLC | 8,150,052 | +33,566 |
| Charles Schwab Investment Management Inc | 5,482,870 | +440,143 |
| Geode Capital Management, LLC | 4,210,819 | +8,860 |
| First Trust Advisors LP | 4,145,056 | +2,040,599 |
| Invesco Ltd. | 2,671,164 | +569,901 |
| Morgan Stanley | 1,912,381 | +30,881 |
| Bank of America Corp | 1,879,069 | +19,164 |
| London Co of Virginia | 1,816,988 | -70,423 |
| Norges Bank | 1,660,670 | new |
| Dimensional Fund Advisors LP | 1,615,302 | +100,569 |
| Fort Washington Investment Advisors Inc | 1,495,541 | -3,135 |
| Northern Trust Corp | 1,451,673 | -34,214 |
| Johnson Investment Counsel Inc | 1,417,965 | -35,828 |
| Bahl & Gaynor LLC | 1,217,117 | -333 |
| Arrowstreet Capital, Limited Partnership | 1,214,615 | +311,587 |
| GQG Partners LLC | 1,170,338 | -347,980 |
| Legal & General Group Plc | 1,082,054 | -38,274 |
Insiders
31 insiders reported holding 2,053,324 shares in total, about $387.4M at the last price.
| Holder | Shares |
|---|---|
| Schiff Charles OdellDirector | 920,150173,455 held indirectly |
| Johnston Steven JChairman, Director | 240,780 |
| Sewell Michael JCFO, EVP & Treasurer | 140,010 |
| Kellington John SEVP, Chief Info Off. -Sub | 127,052 |
| Spray Stephen MPresident & CEO, Director | 72,731 |
| Debbink Dirk JDirector | 62,05962,059 held indirectly |
| Brown Roger ASr VP, COO - Subsidary | 61,813 |
| Cracas Teresa CEVP, Chief Risk Off. - Sub | 57,443 |
| Doyle Donald J JrSr Vice President - Subsidiary | 45,924 |
| Van Den Heuvel Will HExec Vice President - Sub | 44,700 |
Questions about CINF
What does Cincinnati Financial Corp do?
Cincinnati Financial Corp is a company in the Finance sector, listed on NASDAQ as CINF. Its shares trade on NASDAQ under the ticker CINF.
What is Cincinnati Financial Corp's net worth?
Cincinnati Financial Corp has a market value (market cap) of $29B at the latest share price, and shareholders' equity of $16.2B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Cincinnati Financial Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $2.7B on revenue of $13.3B, a net margin of 20.1%.
How much revenue does Cincinnati Financial Corp make?
Over the twelve months to September 30, 2026 Cincinnati Financial Corp reported revenue of $13.3B. That is 9.9% more than a year earlier.
When did Cincinnati Financial Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 26, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the investor disclosure from November 9, 2026.
When is Cincinnati Financial Corp's next earnings report?
Cincinnati Financial Corp's next report is expected around February 8, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Cincinnati Financial Corp pay a dividend?
Yes. Cincinnati Financial Corp declared dividends of $3.48 per share in fiscal 2025, a yield of 1.84% at the current price.
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Where the numbers come from
Financial figures are the values Cincinnati Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.