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/research/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/research/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 2026-04-27, the biggest revenue drivers are: Earned premiums ($2,604M, +11% YoY); Investment income, net of expenses ($318M, +14% YoY); Investment gains and losses, net (($70M), -4% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/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 ($1,751M, -11% YoY); Underwriting, acquisition and insurance expenses ($764M, +9% YoY); Interest expense ($13M, 0% YoY). Sourced directly from SEC EDGAR filing text for Q1 FY2026 (quarter ended March 31, 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

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaq

Institutional-grade research for retail investors

SEC EDGAR: CIK 20286 CINF stock profile & AI dashboard →

13F Pro Quality Score

77.0/100

Rank #92 of 2,879 stocksTOP 5%

View Financials peers →

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

Revenue Growth

72.7/100

Profitability

77.3/100

Balance Sheet

69.6/100

Earnings Quality

67.1/100

Free Cash Flow

80.7/100

Institutional Flow

62.8/100

Revenue Scale

88.5/100

Dilution Risk

94.9/100

CINF Stock Analysis & AI Quality Score

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 77.0/100 on a 32-signal composite quality model, placing it at rank #92 of 2,879 stocks — the top 5% of the AI-ranked universe. CINF scores in the top quartile across revenue scale (88.5), free cash flow (80.7), profitability (77.3). Based on the latest XBRL financial filings (Q1 2026), CINCINNATI FINANCIAL CORP reports quarterly revenue of $2.9B, net income of $274.0M, an operating margin of 11.4%. 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 8 and 83 since 2021, currently 77.0 — an improving long-term trajectory across 56 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.

▶ Think you know your stocks? Play the Daily Ticker

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

✓ 31/31 datapoints verified

AI-extracted from CINCINNATI FINANCIAL CORP's 10-Q filed 2026-04-27 — Q1 FY2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Q1 2026 net income of $274M vs. $90M loss YoY, driven by $295M lower catastrophe losses and improved underwriting; consolidated property casualty combined ratio improved to 95.6% from 113.3%.

Biggest Revenue Drivers

Total revenue: $2,863M+12% YoY

Earned premiums$2,604M+11% YoY

Property casualty net written premium growth of 7% and life insurance earned premium growth of 6%

Investment income, net of expenses$318M+14% YoY

Interest income increased $25M from higher bond yields and net purchases; dividends increased $9M

Investment gains and losses, net($70M)-4% YoY

Equity portfolio unrealized losses of $104M partially offset by $33M realized gains on sales

Largest Expense Items

Insurance losses and contract holders' benefits$1,751M-11% YoY

Favorable decrease of $295M in catastrophe losses mostly weather-related, partially offset by lower favorable reserve development

Underwriting, acquisition and insurance expenses$764M+9% YoY

Increase largely due to higher profit-sharing commissions for agencies and expense management efforts

Interest expense$13M0% YoY

Unchanged from prior year quarter

Margins: Property casualty combined ratio improved to 95.6% from 113.3% YoY, benefiting from $295M lower catastrophe losses and favorable underwriting results, though current accident year losses before catastrophes grew slower than earned premiums. Underwriting expense ratio decreased due to premium growth outpacing expense growth.

Watch Items from the Filing

Personal lines segment experienced 40% decline in new business written premiums ($76M vs. $127M YoY), reflecting underwriting discipline amid competitive market pressures.
Fixed-maturity portfolio unrealized losses increased to $532M at Q1 2026 from $397M year-end 2025 due to rising U.S. Treasury yields and widening corporate credit spreads; 3,356 securities trading below amortized cost.
Book value per share declined $0.75 to $101.60 during Q1 2026, contributing negative 0.7 percentage points to value creation ratio; shareholders' equity decreased 1% to $15.714B.
Large commercial casualty losses decreased favorably to $40M in Q1 2026 from $66M YoY, with ratio 2.4 points lower; company continues monitoring for concentration by geography, agency, or policy inception.
Life insurance subsidiary net in-force face amounts increased 1% to $88.080B; fixed annuity deposits of $7M are minimal but tracking slightly above prior year.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

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

Revenue

Q1 2026

$2.9B

Net Income

Q1 2026

$274.0M

Free Cash Flow

Q1 2026

$654.0M

Operating Margin

Q1 2026

11.4%

D/E Ratio

Q1 2026

0.05

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

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2019	FY 2018
Revenue	$12.63B +11.4%	$11.34B +13.2%	$10.01B +52.6%	$6.56B -17.2%	$7.92B +46.6%	$5.41B
Net Income	$2.39B +4.4%	$2.29B +24.4%	$1.84B +478.4%	$-487.0M -124.4%	$2.00B +595.8%	$287.0M
EPS (Diluted)	$15.17 +4.4%	$14.53 +24.6%	$11.66 +481.0%	$-3.06 -125.3%	$12.10 +591.4%	$1.75
Total Assets	$41.00B +12.3%	$36.50B +11.4%	$32.77B +10.2%	$29.73B +17.0%	$25.41B +15.8%	$21.93B
Total Debt	$861.0M +1.3%	$850.0M +0.1%	$849.0M +1.0%	$841.0M -0.6%	$846.0M +1.4%	$834.0M
Operating Cash Flow	$3.11B +17.5%	$2.65B +29.1%	$2.05B +0.0%	$2.05B +69.9%	$1.21B +2.3%	$1.18B

Get alerted when CINF's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

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.
$2.0B12,611,158 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.6B10,111,436 sh
STATE STREET CORP
$1.3B8,287,379 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.3B8,116,486 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$793.6M5,042,727 sh
GEODE CAPITAL MANAGEMENT, LLC
$658.7M4,201,959 sh
FIRST TRUST ADVISORS LP
$331.1M2,104,457 sh
Invesco Ltd.
$330.6M2,101,263 sh
LONDON CO OF VIRGINIA
$297.0M1,887,411 sh
MORGAN STANLEY
$296.1M1,881,500 sh

Fund	Value	Shares
BlackRock, Inc.	$2.0B	12,611,158
VANGUARD CAPITAL MANAGEMENT LLC	$1.6B	10,111,436
STATE STREET CORP	$1.3B	8,287,379
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.3B	8,116,486
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$793.6M	5,042,727
GEODE CAPITAL MANAGEMENT, LLC	$658.7M	4,201,959
FIRST TRUST ADVISORS LP	$331.1M	2,104,457
Invesco Ltd.	$330.6M	2,101,263
LONDON CO OF VIRGINIA	$297.0M	1,887,411
MORGAN STANLEY	$296.1M	1,881,500

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put CINF on your watchlist

Track score changes the day CINCINNATI FINANCIAL CORP files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

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.

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.