Cincinnati Financial CINF · USD
Financials · Insurance · US listing · 🇺🇸 United States
S&P 500
186.18
+0.38%
Close of 9 Nov 2026, in USD
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About Cincinnati Financial
From its filings with the US Securities and Exchange Commission
Cincinnati Financial is based in Fairfield, Ohio and is incorporated in Ohio. Its shares trade on Nasdaq under the ticker CINF. It is a member of the S&P 500. The SEC classifies its business as fire, marine & casualty insurance. In the fiscal year to 31 December 2025, it reported revenue of $12.63bn and net income of $2.39bn. At that date it held total assets of $41.00bn and shareholders' equity of $15.91bn.
We are an Ohio corporation formed in 1968. Our lead subsidiary, The Cincinnati Insurance Company, was founded in 1950. Our main business is property casualty insurance marketed through independent insurance agencies in 46 states. Our headquarters is in Fairfield, Ohio.
Cincinnati Financial Corporation owns 100% of four subsidiaries: The Cincinnati Insurance Company (Cincinnati Insurance), Cincinnati Global Underwriting Ltd.SM (Cincinnati Global), CSU Producer Resources Inc. and CFC Investment Company. In addition, the parent company has an investment portfolio, owns the headquarters property and is responsible for corporate borrowings and shareholder dividends.
Cincinnati Global owns 100% of Cincinnati Global Underwriting Agency Ltd.SM, a London-based, global specialty underwriter for Lloyd's Syndicate 318, and Cincinnati Global Dedicated No. 2 Ltd.SM, a Lloyd’s corporate member and vehicle through which capital is provided by Cincinnati Financial Corporation and third-party names at Lloyd’s.
The two noninsurance subsidiaries of Cincinnati Financial Corporation are CSU Producer Resources, which offers insurance brokerage services to our independent agencies so their clients can access our excess and surplus lines insurance products; and CFC Investment Company, which offers commercial leasing and financing services to our agencies, their clients and other customers.
Quoted from its 10-K, filed 23 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Insurance
- Listed since
- 17 Mar 1980
- Employees
- 5,705
- Website
- cinfin.com ↗
- Head office
- 6200 S GILMORE RD, FAIRFIELD, OH, 45014
- Incorporated in
- OH
- Classification
- Fire, Marine & Casualty Insurance
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Steven JohnstonExecutive Chairman of the Board, since 2008$9.9m
- Mr. Stephen SprayPresident, Chief Executive Officer, Director, since 2012$8.8m
- Mr. Michael SewellExecutive Vice President, Chief Financial Officer, Principal Accounting Officer, Treasurer$6.0m
- Mr. Steven SoloriaExecutive Vice President, Chief Investment Officer$3.4m
- Mr. Thomas HoganExecutive Vice President, Chief Legal Officer, Corporate Secretary
- Mr. Roger BrownSenior Vice President, Chief Operating Officer of The Cincinnati Life Insurance Company
- Mr. Dawn ChapelSenior Vice President - Excess and Surplus Lines, Insurance Brokerage
- Ms. Teresa CracasChief Risk Officer and Executive Vice President of The Cincinnati Insurance Company$3.8m
- Ms. Angela DelaneySenior Vice President of The Cincinnati Insurance Company
- Mr. Donald DoyleSenior Vice President of The Cincinnati Insurance Company
- Mr. Sean GivlerExecutive Vice President of The Cincinnati Life Insurance Company
- Mr. William HeuvelExecutive Vice President - Insurance Brokerage Subsidiary, CSU
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 50
- Environment
- 23
- Social
- 59
- Governance
- 70
- Direct emissions (scope 1)
- 14,066 t
- Energy emissions (scope 2)
- 9,050 t
- Women in the workforce
- 47%
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Cincinnati Financial Corp has a strong financial position and a history of consistent profitability.
- The company has a diversified portfolio of insurance products, including property, casualty, and life insurance, which helps mitigate risks.
- Cincinnati Financial Corp has established a solid reputation in the insurance industry, known for its reliable and prompt claim settlements.
- The company has a well-trained and experienced workforce, enabling it to effectively serve its customers and manage operations.
Weaknesses
- Cincinnati Financial Corp's business operations are highly dependent on the overall performance of the insurance industry, making it vulnerable to external factors.
- The company may face challenges in adapting to rapidly changing market conditions and emerging technologies.
- There might be limited growth opportunities in certain geographical regions where the company operates, which could impact its expansion potential.
- Cincinnati Financial Corp may have higher operating expenses compared to some competitors, potentially affecting its competitive position in cost-sensitive markets.
Opportunities
- The increasing awareness and importance of insurance coverage offer growth opportunities for Cincinnati Financial Corp to expand its customer base.
- Technological advancements provide opportunities for the company to improve operational efficiency, enhance customer experience, and develop innovative insurance solutions.
- Expansion into new markets or acquisition of smaller insurance companies can help Cincinnati Financial Corp diversify its revenue streams and increase market share.
- Collaboration with other financial service providers or strategic partnerships can enable the company to offer bundled services, attracting more customers.
Threats
- Intense competition within the insurance industry poses a threat to Cincinnati Financial Corp's market position and profitability.
- Economic downturns or recessionary periods can lead to reduced demand for insurance products and negatively impact the company's financial performance.
- Changes in regulatory environment or government policies may introduce compliance challenges and impact the company's operations.
- Emerging risks, such as cybersecurity threats or natural disasters, can result in higher claim volumes and financial losses for Cincinnati Financial Corp.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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