What is the 13F Pro Quality Score for CINF?

13F Pro ranks CINCINNATI FINANCIAL CORP (CINF) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CINF's current score at https://13fpro.ai/company/CINF (free sign-up required for the full ranking).

Which hedge funds own the most CINF stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of CINF include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/CINF as soon as new 13F filings post.

Where does 13F Pro source CINF data?

All CINCINNATI FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. CINCINNATI FINANCIAL CORP files with the SEC under CIK 20286. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CINF in?

CINCINNATI FINANCIAL CORP (CINF) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives CINF's revenue?

Per CINCINNATI FINANCIAL CORP's latest 10-Q filed with the SEC on 2026-07-27, the biggest revenue drivers are: Investment gains and losses, net ($1.308B, +177% YoY); Earned premiums ($2.635B, +6% YoY); Investment income, net of expenses ($319M, +12% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/CINF.

What are CINF's largest expenses?

CINCINNATI FINANCIAL CORP's latest 10-Q reports these as the largest expense items: Insurance losses and contract holders' benefits ($1.887B, +14% YoY); Underwriting, acquisition and insurance expenses ($786M, +11% YoY); Interest expense ($14M, 0% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is CINF research updated on 13F Pro?

CINF's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CINCINNATI FINANCIAL CORP(CINF)Stock Analysis

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13F Pro Quality Score

84.3/100

Rank #10 of 2,961 stocksTOP 1%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

78.3/100

Profitability

87.5/100

Balance Sheet

81.2/100

Earnings Quality

35.4/100

Free Cash Flow

78.2/100

Institutional Flow

77.3/100

Revenue Scale

89.4/100

Dilution Risk

94.7/100

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Why CINF Scores 84/100

exact factor attribution · 2026-09-11

CINF's composite is driven by scale and revenue growth, held back by earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+7.9 pts

89th pct

Revenue growth

+7.5 pts

78th pct

Profitability

+7.5 pts

88th pct

Free cash flow

+4.2 pts

78th pct

Capital efficiency

+4.2 pts

81th pct

Shareholder dilution

+3.0 pts

95th pct

Earnings growth

+2.5 pts

87th pct

Institutional flow

+1.8 pts

77th pct

Earnings quality

-1.5 pts

35th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

CINF Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for CINCINNATI FINANCIAL CORP (CINF), 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. CINCINNATI FINANCIAL CORP's 13F Pro composite quality score has ranged between 36 and 84 since 2021, currently 84.3 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about CINCINNATI FINANCIAL CORP

Quirks, history, and lore behind CINF — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. insurance holding company · mid-cap · listed on Nasdaq · headquartered in Ohio.
2
The Numbers
Annual revenue in the mid-single-digit billions, with an investment portfolio worth roughly $25 billion — because in insurance, you collect premiums long before you pay claims.
3
The History
Founded in 1968 in the greater Cincinnati area, it has grown almost entirely by sticking to its original knitting: selling property and casualty insurance through independent agents.
4
The Secret
The company is almost fanatically loyal to the independent agent model — it doesn't sell direct, doesn't do flashy ads, and quietly lets agents do the talking.
5
The Lore
It is a certified Dividend Aristocrat — having raised its dividend for over 60 consecutive years, one of the longest streaks of any publicly traded company in America.
6
The Giveaway
Six decades of dividend hikes, a headquarters in Fairfield, Ohio, and a ticker that's just the first four letters of a certain Queen City on the Ohio River.

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What's Driving CINF's Business? Latest 10-Q Breakdown

✓ 28/28 datapoints verified

AI-extracted from CINCINNATI FINANCIAL CORP's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$4.3B

Net Income

Q2 2026

$1.3B

Free Cash Flow

Q2 2026

$698.0M

ROIC

Q2 2026

36.0%

D/E Ratio

Q2 2026

0.05

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+11.4% YoY

$12.63BFY 2025

FY22 $6.56BFY23 $10.01BFY24 $11.34BFY25 $12.63B

Net Income

+4.4% YoY

$2.39BFY 2025

FY22 $-487.0MFY23 $1.84BFY24 $2.29BFY25 $2.39B

EPS (Diluted)

+4.4% YoY

$15.17FY 2025

FY22 $-3.06FY23 $11.66FY24 $14.53FY25 $15.17

Total Assets

+12.3% YoY

$41.00BFY 2025

FY22 $29.73BFY23 $32.77BFY24 $36.50BFY25 $41.00B

Total Debt

+1.3% YoY

$861.0MFY 2025

FY22 $841.0MFY23 $849.0MFY24 $850.0MFY25 $861.0M

Op. Cash Flow

+17.5% YoY

$3.11BFY 2025

FY22 $2.05BFY23 $2.05BFY24 $2.65BFY25 $3.11B

Free Cash Flow

+17.7% YoY

$3.09BFY 2025

FY22 $2.04BFY23 $2.03BFY24 $2.63BFY25 $3.09B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$12.63B +11.4%	$11.34B +13.2%	$10.01B +52.6%	$6.56B -31.8%	$9.63B +27.7%	$7.54B
Net Income	$2.39B +4.4%	$2.29B +24.4%	$1.84B +478.4%	$-487.0M -116.4%	$2.97B +144.1%	$1.22B
EPS (Diluted)	$15.17 +4.4%	$14.53 +24.6%	$11.66 +481.0%	$-3.06 -116.8%	$18.24 +143.5%	$7.49
Total Assets	$41.00B +12.3%	$36.50B +11.4%	$32.77B +10.2%	$29.73B -5.3%	$31.39B +14.0%	$27.54B
Total Debt	$861.0M +1.3%	$850.0M +0.1%	$849.0M +1.0%	$841.0M -0.2%	$843.0M -0.2%	$845.0M
Operating Cash Flow	$3.11B +17.5%	$2.65B +29.1%	$2.05B +0.0%	$2.05B +3.6%	$1.98B +32.9%	$1.49B
Free Cash Flow	$3.09B +17.7%	$2.63B +29.2%	$2.03B -0.1%	$2.04B +3.6%	$1.97B +33.7%	$1.47B

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Available Research

13F Pro tracks comprehensive data for CINCINNATI FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CINF

BlackRock, Inc.
$2.3B12,610,089 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.9B10,124,435 sh
STATE STREET CORP
$1.6B8,539,606 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.5B8,150,052 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$1.0B5,482,870 sh
GEODE CAPITAL MANAGEMENT, LLC
$776.5M4,210,819 sh
FIRST TRUST ADVISORS LP
$767.4M4,145,056 sh
Invesco Ltd.
$494.5M2,671,164 sh
MORGAN STANLEY
$354.1M1,912,381 sh
BANK OF AMERICA CORP /DE/
$347.9M1,879,069 sh

Fund	Value	Shares
BlackRock, Inc.	$2.3B	12,610,089
VANGUARD CAPITAL MANAGEMENT LLC	$1.9B	10,124,435
STATE STREET CORP	$1.6B	8,539,606
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.5B	8,150,052
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$1.0B	5,482,870
GEODE CAPITAL MANAGEMENT, LLC	$776.5M	4,210,819
FIRST TRUST ADVISORS LP	$767.4M	4,145,056
Invesco Ltd.	$494.5M	2,671,164
MORGAN STANLEY	$354.1M	1,912,381
BANK OF AMERICA CORP /DE/	$347.9M	1,879,069

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Is CINF a good stock to buy?

13F Pro's AI-powered analysis of CINCINNATI FINANCIAL CORP (CINF) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CINF are available on the CINF stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. CINF is classified as a large company.

Which hedge funds own CINF?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CINF. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CINCINNATI FINANCIAL CORP's investment landscape.