CINF at a glance
Cincinnati Financial (CINF, SEC CIK 20286) filed its latest 10-K annual report on February 23, 2026, a 10-Q quarterly report on July 27, 2026, an 8-K current report on September 28, 2026 and Form 4 insider filings as recently as August 27, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Cincinnati Financial (CINF) reported revenue of $12.6 billion (up 11.4% from FY2024) and net income of $2.4 billion. Diluted EPS was $15.17.
- As of June 30, 2026, 41 institutional investment managers tracked by SignalX reported holding Cincinnati Financial (CINF) shares worth $10.4 billion in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Debbink Dirk J on August 25, 2026 of 1,000 shares at $171.64 per share.
- In the last 90 days, CINF insiders reported 1 open-market purchase ($172K) and 1 open-market sale ($1.3M) on Form 4, a net sale of $1.2M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $12.6B
- +11.4% vs prior year
- Insiders · 90 days
- 1 buy · 1 sell
- Net −$1.2M
- 13F holders
- 41 funds
- $10.4B · +2 vs prior quarter
- Latest 8-K
- Sep 28, 2026
- Item 2.03
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Risk Factors
- Section 'risk_factors' was empty or not found.
Management Discussion & Analysis
- Total revenues $9.820B in 2024, up 15% YoY; net income $2.281B vs $1.444B prior year
- Combined ratio 95.3% vs 97.4% prior year; property casualty underwriting margin improved to 4.7% vs 2.6%
- Commercial lines best performer: net written premiums $4.782B, up 10%; personal lines grew 21% to $2.089B
- Investment income $1.021B, up 14% YoY; share repurchases $508M; dividends paid $516M
- Management cautious on catastrophe loss volatility and social inflation as key emerging risks
Business Overview
- Core business: Property casualty insurance distributed exclusively through ~2,292 independent agencies in 46 states, supplemented by life, E&S, reinsurance, and London Lloyd's operations
- Total net written premiums reached $10.442B in 2025 vs $9.605B in 2024 (~8.7% growth), with personal lines surging 22% YoY to $3.430B
- 75th anniversary year for The Cincinnati Insurance Company; Fitch upgraded insurer financial strength rating to AA- from A+ in September 2025: notable external validation
- Investment portfolio grew to $30.965B fair value (from $27.665B), anchored by $8.539B net unrealized equity gains; Apple alone = 7.7% of common stock portfolio
- Personal lines now 32.8% of net written premiums vs commercial lines at 47.9%, reflecting rapid geographic diversification: top-10 states' share fell from 61.7% to 59.2%, continuing a decade-long shift from 78.5% concentration in 2015
AI summary of the CINF 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Total revenue $4.274B, up 32% YoY from $3.248B, driven by investment gains, premiums and investment income
- Net income $1.255B, up 83% YoY from $685M
- Property casualty underwriting loss $18M vs profit $128M; combined ratio 100.8% vs 94.9%
- Property casualty earned premiums $2.548B, up 6% YoY; catastrophe losses $365M vs $296M
- Investments $33.153B vs $31.783B at year-end; dividend $0.94 per share, up from $0.87
Risk Factors
- No material changes from the 2025 Form 10-K filed February 23, 2026
- Carried-forward risks remain applicable without quarter-specific updates
- No newly triggered regulatory, legal, or compliance risk disclosed
- No new operational, competitive, or market risk disclosed
- No new liquidity, debt maturity, currency, or concentration risk disclosed
AI summary of the CINF 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.03: Creation of a Direct Financial Obligation
- Cincinnati Financial extended its revolving credit facility expiration to October 10, 2031
- One-year maturity extension preserves borrowing capacity and financial flexibility
Item 7.01: Regulation FD Disclosure
- Investor presentation slides posted August 25, 2026 for presentations beginning August 26, 2026
- Exhibit 99.1 contains the presentation materials, providing investors the company’s latest messaging and disclosures
Item 8.01: Other Events
- Additional authorization to repurchase up to 15 million common shares
- Total authorization includes 15 million shares remaining under the January 26, 2018 program
Item 7.01: Regulation FD Disclosure
- Quarterly cash dividend declaration by Cincinnati Financial Corporation
- Dividend details contained in Exhibit 99.1, including payment terms and relevant dates
Item EX-99.1: Item EX-99.1
- Quarterly cash dividend raised or maintained at $0.94 per share, payable October 15, 2026
- September 23, 2026 record date determines shareholder eligibility
AI summaries of CINF 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CINF
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Debbink Dirk J | Buy | Aug 25, 2026 | 1,000 | $171.64 |
| Schiff Charles Odell | Sell | Aug 3, 2026 | 7,600 | $175.40 |
| KELLINGTON JOHN S | M | Jun 8, 2026 | 24,221 | - |
| KELLINGTON JOHN S | F | Jun 8, 2026 | 17,536 | $163.73 |
| KELLINGTON JOHN S | M | Jun 8, 2026 | 24,221 | $85.67 |
| Fu Luyang | M | May 28, 2026 | 774 | - |
| Fu Luyang | M | May 28, 2026 | 774 | $85.67 |
| Fu Luyang | F | May 28, 2026 | 99 | $161.20 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $10.0B | $11.3B | $12.6B |
| Net Income | $1.8B | $2.3B | $2.4B |
| Net Margin | 18.4% | 20.2% | 18.9% |
| Balance Sheet | |||
| Total Assets | - | $36.5B | $41.0B |
| Equity | $12.1B | $13.9B | $15.9B |
| ROE | 15.2% | 16.4% | 15.0% |
| Per Share | |||
| EPS | $11.66 | $14.53 | $15.17 |
| Cash Flow | |||
| Operating CF | $2.1B | $2.6B | $3.1B |
| CapEx | $18.0M | $22.0M | $20.0M |
Source: XBRL data in Cincinnati Financial (CINF)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CINF share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 41 | $10.36B |
| Q1 2026 | 39 | $8.68B |
| Q4 2025 | 37 | $9.15B |
| Q3 2025 | 40 | $8.95B |
| Q2 2025 | 37 | $8.47B |
| Q1 2025 | 34 | $6.44B |
| Q4 2024 | 30 | $5.55B |
| Q3 2024 | 26 | $2.55B |
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- Wells Fargo & Co−40.9K (-15%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 284 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CINF filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 28, 2026 | - | Analysis | - |
| 4 | Aug 27, 2026 | - | - | - |
| 8-K | Aug 25, 2026 | - | Analysis | - |
| 8-K | Aug 21, 2026 | - | Analysis | - |
| 13F-HR | Aug 6, 2026 | Jun 30, 2026 | - | |
| 4 | Aug 4, 2026 | - | - | - |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 10-Q | Jul 27, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jun 22, 2026 | - | Analysis | - |
| 8-K | Jun 16, 2026 | - | Analysis | - |
| 4 | Jun 10, 2026 | - | - | |
| 4 | Jun 1, 2026 | - | - | |
| 8-K | May 19, 2026 | - | Analysis | |
| 4 | May 13, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 13F-HR | May 11, 2026 | Mar 31, 2026 | - | |
| 4 | May 7, 2026 | - | - | |
| 8-K | May 6, 2026 | - | Analysis | |
| 4 | May 5, 2026 | - | - | - |
| 4 | May 1, 2026 | - | - | - |
| 4 | May 1, 2026 | - | - | - |
| 4 | May 1, 2026 | - | - | - |
| SC 13G | Apr 29, 2026 | - | - | |
| SC 13G | Apr 29, 2026 | - | - | |
| 10-Q | Apr 27, 2026 | Mar 31, 2026 | Analysis |
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CINF SEC filings: frequently asked questions
Are CINF insiders buying or selling?
In the last 90 days, Cincinnati Financial (CINF) officers, directors and 10% owners reported 1 open-market purchase worth $171,640 by 1 insider and 1 open-market sale worth $1.3 million by 1 insider on Form 4, a net sale of $1.2 million. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold CINF stock?
As of June 30, 2026, the largest Cincinnati Financial (CINF) holders among the 13F filers tracked by SignalX were BlackRock ($2.3 billion), Vanguard Capital Management LLC ($1.9 billion), State Street Corp ($1.6 billion), Vanguard Portfolio Management LLC ($1.5 billion), Invesco Ltd ($494.5 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CINF's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Cincinnati Financial (CINF) reported revenue of $12.6 billion (up 11.4% from FY2024) and net income of $2.4 billion. Diluted EPS was $15.17. The figures come from the XBRL data in the 10-K.
What are the main risks in CINF's latest 10-K?
In the 10-K filed February 23, 2026, Cincinnati Financial (CINF) flagged: Section 'risk_factors' was empty or not found. (AI summary of the Risk Factors section.)
What did CINF report in its latest 8-K?
Cincinnati Financial (CINF) filed an 8-K on September 28, 2026 reporting Item 2.03 (Creation of a Direct Financial Obligation). Cincinnati Financial extended its revolving credit facility expiration to October 10, 2031.
What are the latest CINF SEC filings?
Cincinnati Financial (CINF) filed its latest 10-K annual report on February 23, 2026, a 10-Q quarterly report on July 27, 2026, an 8-K current report on September 28, 2026 and a Form 4 insider filing on August 27, 2026.
What is CINF's SEC CIK number?
Cincinnati Financial (CINF)'s SEC Central Index Key (CIK) is 20286. EDGAR lists every CINF filing under that number.
Ask anything about CINF
The research agent reads CINF's filings, financials, insider trades and 13F holders, then answers with sources.