Cincinnati Financial (CINF): financials, SEC filings and peers

Cincinnati Financial (CINF) is a property & casualty insurance company in the Financials sector of the S&P 500, headquartered in Fairfield, Ohio.

It was founded in 1950 and joined the S&P 500 on December 18, 1997.

Its fiscal year ends in December, and its shares trade on the Nasdaq.

In its SEC filings it is classified as “Fire, Marine & Casualty Insurance”.

Cincinnati Financial at a glance

Revenue (12 months): $13.3B
Revenue growth: +9.9%
Operating margin: 25.2%
Net income (12 months): $2.7B
Free cash flow (12 months): $3.1B
Cash: $1.2B
Debt: $791M
Diluted EPS (12 months): $17.05

Twelve months to September 30, 2026, from the 10-Q filed October 26, 2026.

Latest twelve months

Over the twelve months to September 30, 2026, Cincinnati Financial reported revenue of $13.3 billion, up 9.9% from a year earlier.

Its operating margin was 25.2%, up 3.1 percentage points from a year earlier: for every $100 of sales, about $25 was left as operating profit.

Net income was $2.7 billion (20.1% of revenue), 25.5% higher than a year earlier.

Operating cash flow was $3.1 billion and capital spending $16 million, leaving free cash flow of $3.1 billion (23.2% of revenue).

At the end of the period it held $1.2 billion in cash and $791 million in debt, a net cash position of $448 million.

The diluted share count fell 1.7% in a year, typically the result of buybacks.

Five-year trend

Revenue went from $7.5 billion in fiscal 2020 to $12.6 billion in fiscal 2025, about 10.9% a year.
Revenue has grown for 3 fiscal years in a row.
Free cash flow was positive in each of the last 6 fiscal years.
Cincinnati Financial reported a net loss in 1 of the last 6 fiscal years.

Fiscal year	2021	2022	2023	2024	2025
Revenue	$9.6B	$6.6B	$10.0B	$11.3B	$12.6B
Revenue growth	27.7%	-31.8%	52.6%	13.2%	11.4%
Operating margin	—	—	—	—	—
Net income	$3.0B	−$487M	$1.8B	$2.3B	$2.4B
Free cash flow	$2.0B	$2.0B	$2.0B	$2.6B	$3.1B
Diluted EPS	$18.24	$-3.06	$11.66	$14.53	$15.17

Fiscal years as reported in Cincinnati Financial’s 10-K filings. Free cash flow is operating cash flow minus capital spending.

Recent SEC filings

8-K filed November 9, 2026 — Regulation FD disclosure
10-Q filed October 26, 2026 — quarterly report
8-K filed October 26, 2026 — Earnings results
8-K filed September 28, 2026 — Material agreement; New debt obligation
8-K filed August 25, 2026 — Regulation FD disclosure; Other event
8-K filed August 21, 2026 — Regulation FD disclosure
10-Q filed July 27, 2026 — quarterly report
8-K filed July 27, 2026 — Earnings results

All Cincinnati Financial filings on SEC EDGAR

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Questions about Cincinnati Financial

Is Cincinnati Financial's revenue growing?

Yes. Revenue for the twelve months to September 30, 2026 was $13.3 billion, up 9.9% from a year earlier, according to its SEC filings.

Is Cincinnati Financial profitable?

Yes. It earned $2.7 billion in net income over the twelve months to September 30, 2026, a net margin of 20.1%.

Does Cincinnati Financial have more cash or more debt?

At September 30, 2026 it had $1.2 billion in cash and $791 million in debt, so more cash than debt.

When did Cincinnati Financial last file financial results?

Its latest quarterly report (10-Q) was filed with the SEC on October 26, 2026.

Which companies are similar to Cincinnati Financial?

In the S&P 500, Cincinnati Financial is grouped in Property & Casualty Insurance within the Financials sector. Arch Capital Group (ACGL), Allstate (ALL), Chubb Limited (CB), Hartford (The) (HIG), Progressive Corporation (PGR) are in the same group.

Understand the numbers

Source: Cincinnati Financial’s filings with the U.S. Securities and Exchange Commission (EDGAR), retrieved November 11, 2026. Figures are as reported by the company and may be restated. This page is for information only and is not financial advice.