Stock Fundamentals

Company Information

Company Name
Cincinnati Financial Corporation
Sector
Financial Services
Industry
Insurance - Property & Casualty
Exchange
NASDAQ
ISIN: US1720621010
CIK: 0000020286
CUSIP: 172062101
Currency: USD
Full Time Employees: 5,705
Phone: 513 870 2000
Fiscal Year End: December
IPO Date: Mar 26, 1990
Description:

Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance; universal life insurance; and worksite and whole life insurance products, as well as annuities. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. The company was founded in 1950 and is headquartered in Fairfield, Ohio.

Address:

6200 South Gilmore Road, Fairfield, OH, United States, 45014-5141

Directors & Officers

Name Title Year Born
Mr. Steven Justus Johnston C.F.A., CERA, FCAS, MAAA Executive Chairman 1960
Mr. Stephen Michael Spray President, CEO & Director 1966
Mr. Michael James Sewell CPA CFO, Principal Accounting Officer, Executive VP & Treasurer 1964
Ms. Teresa Currin Cracas Esq. Chief Risk Officer & Executive VP of The Cincinnati Insurance Company 1966
Mr. John Scott Kellington Chief Information Officer & Executive VP of The Cincinnati Insurance Company 1962
Mr. Steven Anthony Soloria C.F.A., C.P.C.U. Executive VP & Chief Investment Officer 1967
Mr. Dennis E. McDaniel C.M.A., CPA, C.P.C.U., CFM VP & Investor Relations Officer 1960
Mr. Thomas Christopher Hogan Esq. Executive VP, Chief Legal Officer & Company Secretary 1993
Betsy E. Ertel C.P.C.U. Vice President of Corporate Communications NA
Mr. Donald Joseph Doyle Jr., AIM, C.P.C.U. Senior Vice President of The Cincinnati Insurance Company 1967

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Feb 24, 2026 Ro Khanna N/A Purchase N/A $160.73 N/A
Jan 29, 2026 Ro Khanna N/A Purchase N/A $158.19 N/A
Oct 28, 2025 Dirk J Debbink N/A Purchase 1.00K $153.98 $153.98K

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Vanguard Group Inc 19.73M Dec 31, 2025 12.75% $0.05 0.63%
BlackRock Inc 12.61M Mar 31, 2026 8.15% $0.03 0.38%
State Street Corp 8.29M Mar 31, 2026 5.36% $0.05 -1.74%
Charles Schwab Investment Management Inc 5.04M Mar 31, 2026 3.26% $0.12 -23.96%
Geode Capital Management, LLC 4.20M Mar 31, 2026 2.72% $0.04 1.84%
First Trust Advisors L.P. 2.10M Mar 31, 2026 1.36% $0.24 59.44%
Amvescap Plc. 2.10M Mar 31, 2026 1.36% $0.05 38.77%
London Company of Virginia 1.89M Mar 31, 2026 1.22% $1.83 -7.96%
Morgan Stanley - Brokerage Accounts 1.88M Mar 31, 2026 1.22% $0.02 -1.32%
Bank of America Corp 1.86M Mar 31, 2026 1.20% $0.02 -3.19%
NORGES BANK 1.66M Dec 31, 2025 1.07% $0.03 4.79%
GQG Partners LLC 1.52M Mar 31, 2026 0.98% $0.38 -10.29%
Dimensional Fund Advisors, Inc. 1.51M Mar 31, 2026 0.98% $0.05 3.03%
Fort Washington Investment Advisors Inc 1.50M Mar 31, 2026 0.97% $1.30 -0.02%
Northern Trust Corp 1.49M Mar 31, 2026 0.96% $0.03 -1.87%
Johnson Investment Counsel Inc 1.45M Mar 31, 2026 0.94% $1.85 3.55%
Bahl & Gaynor Inc. 1.22M Mar 31, 2026 0.79% $0.97 -0.67%
Legal & General Group PLC 1.12M Mar 31, 2026 0.72% $0.04 2.22%
ProShare Advisors LLC 1.06M Mar 31, 2026 0.69% $0.25 0.15%
Bank of New York Mellon Corp 1.05M Mar 31, 2026 0.68% $0.03 2.39%

Shares Statistics

Shares Outstanding: 154.69M
Shares Float: 151.81M
% Insiders: 170.90%
% Institutions: 7,176.80%
Short % Float: 2.21%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Total Stock Mkt Idx Inv 4.95M 3.20% ▲ 0.24% Apr 30, 2026
2 Vanguard 500 Index Investor 4.05M 2.62% ▲ 1.84% Apr 30, 2026
3 Schwab US Dividend Equity ETF™ 3.61M 2.33% ▲ 0.09% Apr 30, 2026
4 Vanguard Mid Cap Index Institutional 3.37M 2.18% ▲ 0.25% Apr 30, 2026
5 iShares Core S&P 500 ETF 2.02M 1.30% ▲ 0.29% Apr 30, 2026
6 Fidelity 500 Index 1.99M 1.29% ▲ 0.35% Mar 31, 2026
7 State Street® SPDR® S&P 500® ETF 1.87M 1.21% ▲ 0.33% Apr 30, 2026
8 Vanguard Value Index Inv 1.44M 0.93% ▲ 0.28% Apr 30, 2026
9 First Trust Rising Dividend Achiev ETF 1.25M 0.81% ▲ 0.07% Apr 30, 2026
10 State Street® SPDR® S&P® Dividend ETF 1.20M 0.78% ▲ 0.07% Apr 30, 2026

Valuation Metrics

Enterprise Value: $23.94B
Trailing P/E: 9.03
Forward P/E: 18.28

Financial Highlights

Market Cap: $24.44B
EBITDA: $3.65B
P/E Ratio: $9.03
PEG Ratio: $2.19
Book Value: $101.64
Dividend/Share: $3.55
Dividend Yield: 2.26%
Earnings/Share: $17.49
Profit Margin: 21.33%
Operating Margin: 11.84%
ROA (TTM): 5.55%
ROE (TTM): 18.74%
Revenue (TTM): $12.93B
Revenue/Share (TTM): $82.97
Earnings Growth (YOY): 67.30%
Revenue Growth (YOY): 11.60%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 1.29x 0.05x 0.61x 562.26x 0.25x
2024-12-31 1.31x 0.06x 0.62x 53.92x 0.27x
2023-12-31 1.26x 0.07x 0.63x 42.15x 0.36x
2022-12-31 1.26x 0.08x 0.64x -13.09x -1.73x
2021-12-31 1.38x 0.07x 0.58x 69.77x 0.23x
2020-12-31 16.67x 0.01x 0.61x 27.76x 0.06x
2019-12-31 19.67x 0.01x 0.61x 46.64x 0.03x
2018-12-31 0.06x 0.01x 0.64x 4.74x 0.17x
2017-12-31 0.05x 0.01x 0.62x 13.77x 0.06x
2016-12-31 0.06x 0.01x 0.65x 15.32x 0.04x
2015-12-31 0.05x 0.01x 0.66x 16.62x 0.07x
2014-12-31 0.05x 0.01x 0.65x 13.60x 0.12x
2013-12-31 0.04x 0.03x 0.66x 13.22x 0.25x
2012-12-31 0.05x 0.04x 0.67x 10.48x 0.31x
2011-12-31 0.04x 0.04x 0.68x 3.20x 0.77x
2010-12-31 0.04x 0.18x 0.67x 9.22x 1.50x
2009-12-31 0.19x 0.18x 0.67x 10.58x 1.27x
2008-12-31 0.13x 0.20x 0.69x 10.19x 1.36x
2007-12-31 0.16x 0.15x 0.64x 22.92x 0.68x
2006-12-31 0.16x 0.12x 0.60x 25.08x 0.59x
2005-12-31 0.16x 0.13x 0.62x 16.14x 0.87x
2004-12-31 0.03x 0.13x 0.61x 21.05x 0.91x
2003-12-31 0.01x 0.13x 0.60x 14.12x 1.44x
2002-12-31 0.61x 0.14x 0.61x 7.97x 2.34x
2001-12-31 0.11x 0.13x 0.57x 5.67x 2.78x
2000-12-31 0.11x 0.13x 0.55x 2.95x 4.81x
1999-12-31 0.10x 0.02x 0.54x 9.76x 0.32x
1998-12-31 0.06x 0.00x 0.49x 10.96x 0.00x
1997-12-31 0.06x 0.06x 0.50x 18.95x 0.66x
1996-12-31 0.07x 0.08x 0.55x 14.05x 0.85x
1995-12-31 0.07x 0.08x 0.56x 17.13x 0.69x
1994-12-31 0.08x 0.07x 0.59x 25.03x 0.48x
1993-12-31 3.30x 0.04x 0.58x 36.13x 0.27x
1992-12-31 N/A 0.00x 0.57x 31.27x 0.00x
1991-12-31 N/A 0.00x 0.58x 130.45x 0.00x
1990-12-31 N/A 0.00x 0.61x 135.61x 0.00x
1989-12-31 N/A 0.00x 0.60x 121.02x 0.00x
1988-12-31 N/A 0.00x 0.61x 28.85x 0.00x
1987-12-31 N/A 0.00x 0.65x 20.00x 0.00x
1986-12-31 N/A 0.00x 0.63x 19.02x 0.00x
1985-12-31 N/A 0.00x 0.63x 30.25x 0.00x

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