Cincinnati Financial
Cincinnati Financial Corporation (NASDAQ: CINF) operates as a property casualty and life insurance holding company through its primary subsidiary, The Cincinnati Insurance Company, founded in 1950. The company maintains its headquarters in Fairfield, Ohio and can be found at investors.cinfin.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Cincinnati Financial does
In the company’s own words
Cincinnati Financial Corporation (NASDAQ: CINF) operates as a property casualty and life insurance holding company through its primary subsidiary, The Cincinnati Insurance Company, founded in 1950. The company maintains its headquarters in Fairfield, Ohio and can be found at investors.cinfin.com.
The company distributes insurance products exclusively through independent insurance agencies across 46 states, representing a fundamental strategic commitment to the independent agency channel. Cincinnati Financial operates five reportable segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. In 2025, Commercial Lines contributed 47.9 percent of net written premiums, Personal Lines contributed 32.8 percent, Excess and Surplus Lines contributed 7.0 percent, and Life Insurance contributed 3.4 percent, with other operations accounting for 8.9 percent.
The company employed 5,705 associates as of year-end 2025, including 3,400 headquarters associates and 2,195 field associates distributed across its operating territories. Cincinnati Financial maintains relationships with 2,292 property casualty agencies operating 3,702 reporting locations. The company's field structure emphasizes local decision-making, with 940 field claims representatives and 2,195 field associates providing direct service to agencies and policyholders.
Cincinnati Financial's insurance subsidiaries include The Cincinnati Casualty Company, The Cincinnati Indemnity Company, The Cincinnati Life Insurance Company, and The Cincinnati Specialty Underwriters Insurance Company. The company also operates Cincinnati Re for reinsurance assumed operations and Cincinnati Global Underwriting Ltd., a London-based specialty underwriter for Lloyd's Syndicate 318. Non-insurance subsidiaries include CSU Producer Resources, offering insurance brokerage services, and CFC Investment Company, providing commercial leasing and financing services.
The company maintains strong financial ratings across major rating agencies, with insurer financial strength ratings of A+ from A.M. Best and S&P Global Ratings, and AA- from Fitch Ratings. Cincinnati Financial's capital management philosophy emphasizes preserving and building capital while maintaining appropriate liquidity, with a debt-to-total-capital ratio of 4.9 percent at year-end 2025.
Company details
- Sector
- Financials
- Industry (SIC)
- Property & Casualty Insurance
- Headquarters
- FAIRFIELD, OH
- Fiscal year end
- December
- CIK
- 20286
- SIC
- 6331
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Cincinnati Financial — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Cincinnati Financial’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Cincinnati Financial’s bonds, as funds hold them
Funds report holding 2 issues of Cincinnati Financial’s debt, $129.39M at market value — what funds hold, not the company’s total debt. Weighted-average coupon 6.50%, maturing 2028 to 2034.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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