CINCINNATI FINANCIAL CORP(CINF)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
CINCINNATI FINANCIAL CORP (CINF) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores CINF at 84.3/100 on a 32-signal composite quality model, placing it at rank #10 of 2,961 stocks — the top 1% of the AI-ranked universe. CINF scores in the top quartile across revenue scale (89.4), profitability (87.5), balance sheet strength (81.2). Areas of concern include earnings quality (35.4), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), CINCINNATI FINANCIAL CORP reports quarterly revenue of $4.3B, net income of $1.3B, free cash flow of $698.0M. Top institutional holders of CINF by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, STATE STREET, based on the most recent SEC filings. CINF trades on the Nasdaq exchange and files with the SEC under CIK 20286. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CINF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CINCINNATI FINANCIAL CORP directly from SEC EDGAR.
AI Quality Score
84.3/100
AI Rank
#10
Revenue
$4.3B
Net Income
$1.3B
Free Cash Flow
$698.0M
CINF key financials by period
CINCINNATI FINANCIAL CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$12.6B
$2.4B
23.6%
FY 2024
10-K
$11.3B
$2.3B
25.2%
FY 2023
10-K
$10.0B
$1.8B
22.7%
FY 2022
10-K
$6.6B
$-487.0M
-10.6%
FY 2021
10-K
$9.6B
$3.0B
38.4%
FY 2020
10-K
$7.5B
$1.2B
19.9%
Institutions holding CINF
Institutional investors reporting a position in CINCINNATI FINANCIAL CORP on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-27 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Q2 net income of $1.255B (+83% YoY) driven by $1.308B investment gains and $2.635B earned premiums, though property casualty combined ratio deteriorated to 100.8% from 94.9% due to $365M catastrophe losses.
Biggest Revenue Drivers
Investment gains and losses, net$1.308B+177% YoY
Equity securities unrealized gains of $1.117B on securities still held, net of realized gains.
Earned premiums$2.635B+6% YoY
Property casualty earned premiums grew 6% and life insurance premiums grew 5%.
Biggest Revenue Drivers
Total revenue: $4.274B+32% YoY
Investment gains and losses, net$1.308B+177% YoY
Equity securities unrealized gains of $1.117B on securities still held, net of realized gains.
Earned premiums$2.635B+6% YoY
Property casualty earned premiums grew 6% and life insurance premiums grew 5%.
Investment income, net of expenses$319M+12% YoY
Interest income increased $30M and dividend income increased $2M.
Largest Expense Items
Insurance losses and contract holders' benefits$1.887B+14% YoY
Property casualty incurred losses increased due to $365M current accident year catastrophe losses.
Underwriting, acquisition and insurance expenses$786M+11% YoY
Increase largely due to higher commission expenses and timing of recognition of certain expenses.
Interest expense$14M0% YoY
Unchanged from prior year quarter.
Margins: Property casualty combined ratio deteriorated to 100.8% from 94.9% YoY, primarily driven by $365M catastrophe losses (14.4 percentage points) and higher current accident year loss ratios before catastrophes (58.3% vs 56.5%). Despite underwriting headwinds, strong investment gains of $1.308B offset underwriting losses.
Watch Items from the Filing
Property casualty combined ratio of 100.8% in Q2 2026 vs 94.9% in Q2 2025; catastrophe losses contributed 14.4 percentage points vs 12.4 in prior year, indicating elevated weather-related volatility.
Current accident year loss ratio before catastrophes increased to 58.3% from 56.5% YoY for consolidated property casualty, including IBNR ratio increase of 1.3 points, suggesting ongoing loss cost inflation concerns.
Personal lines new business written premiums decreased 45% in Q2 2026 vs Q2 2025 ($78M vs $141M), though company maintained underwriting discipline in competitive market.
Book value per share increased 6.2% to $108.64 in H1 2026; value creation ratio of 8.0% for H1 2026 vs 4.6% in H1 2025, driven by equity gains and premium growth exceeding industry average of ~4%.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
