Cincinnati Financial Corp
Cincinnati Financial Corp operates as an insurance provider within the Financials sector, generating revenue through underwriting and investment activities.
Business. Cincinnati Financial Corp (CINF.O) is an insurance company headquartered in the United States. The firm operates within the Financials sector, specifically focusing on insurance activities. It is primarily listed on the NASDAQ exchange. Specific details regarding operating segments and geographic revenue mix are not available.
Analyst recommendations
10 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
- Congressional trades
- CongressJosh Gottheimer — Cincinnati Financial Corporation2025-04-09 · Democrat · NJ · Sale · $1,001 - $15,000
- CongressSheri Biggs — Cincinnati Financial Corporation2025-03-18 · Republican · SC · Sale · $1,001 - $15,000
- CongressJosh Gottheimer — Cincinnati Financial Corporation2024-06-21 · Democrat · NJ · Sale · $1,001 - $15,000
- CongressZoe Lofgren — Cincinnati Financial Corporation2023-05-25 · Democrat · CA · Sale · $1,001 - $15,000
- CongressJosh Gottheimer — Cincinnati Financial Corporation2023-01-11 · Democrat · NJ · Sale · $1,001 - $15,000
Pre-earnings brief
Cincinnati Financial Corp (CINF.O) has recorded a major shift in institutional ownership, with investor ID 587 significantly altering its position in the company’s shares. This change, detected in late June 2026, represents a substantial modification in the holder’s stake, moving from a minimal weight of approximately 0.0006% to a more notable 3.43% of the portfolio, or vice versa, depending on the specific transaction direction captured in the sequential data updates. The value associated with this holding fluctuated between roughly $1 million and $59.4 million, underscoring the material nature of the adjustment. This movement is particularly significant given that Cincinnati Financial Corp maintains a relatively concentrated shareholder base, with only 34 top holders identified in the current dataset. As a company with limited analyst coverage—currently zero analysts tracking the stock—changes in major holder positions often serve as a primary signal of institutional sentiment. The absence of a broader analyst consensus means that shifts in ownership by key investors like ID 587 may carry disproportionate weight in market perception and liquidity dynamics. The company’s profile remains stable in other structural aspects, with two officers managing operations and membership in one major index. This index inclusion provides a baseline level of visibility and passive investment flow, which may interact with the active trading decisions of holders like ID 587. However, the lack of prior analysis for this ticker means there is no historical delta to compare against, making this the first recorded instance of such a significant holder change in the available data. For investors monitoring Cincinnati Financial Corp, this major holder modification highlights the importance of tracking institutional flows in the absence of extensive analyst commentary. The shift in ID 587’s position, whether an accumulation or reduction, suggests a reassessment of the company’s value or risk profile by a significant stakeholder. Given the company’s small officer count and limited analyst presence, such institutional moves may be among the most visible indicators of changing market dynamics for CINF.O.
Signals & dispatch
Composite-score breakdown
Synthesis
Cincinnati Financial Corp (CINF.O) is an insurance company headquartered in the United States. The firm operates within the Financials sector, specifically focusing on insurance activities. It is primarily listed on the NASDAQ exchange. Specific details regarding operating segments and geographic revenue mix are not available.
Cincinnati Financial Corp maintains a conservative capital structure with total equity of $15.91 billion against total liabilities of $25.09 billion. The company carries minimal long-term debt of $0.79 billion, resulting in a debt-to-equity ratio of 0.05. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. Operating cash flow stands at $3.11 billion, significantly exceeding capital expenditures of $20 million, indicating strong internal cash generation.
Profitability metrics show a return on equity of 15.04% and a return on assets of 5.84%. The company trades at a price-to-earnings ratio of 11.86 and a price-to-book ratio of 1.78. Net income for the latest period is $2.39 billion on revenue of $12.63 billion. These returns suggest efficient capital deployment relative to the equity base, though specific cohort median comparisons are not provided in the input data to benchmark against industry peers.
Segment and geographic revenue breakdowns are not available in the provided data. The company’s total assets amount to $41.00 billion, supporting its insurance operations. Without specific segment data, the revenue concentration risk cannot be quantified beyond the aggregate financial snapshot.
Historical growth trajectory data, including 5-year annual and 8-quarter quarterly trends, is absent from the input. Consequently, the revenue growth rate and net income trend cannot be analyzed from the provided historical periods table. The current revenue base of $12.63 billion serves as the latest data point for scale.
Risk assessment indicates low dilution risk, with basic and diluted shares outstanding both at 157.7 million. The primary risk flag is the negative net cash position after debt subtraction, which is categorized under medium liquidity risk. No other key flags or specific risk factors are detailed in the risk assessment section.
Recent news event observations contain system-level error logs regarding failed analysis re-drives and cache resolution issues, rather than corporate news or filing observations. IR observations show a mean analyst price target of $189.17, with a median of $193.50, against a current market price of $180.03. The mean recommendation is 2.50, indicating a neutral to slightly positive sentiment among analysts.
Cincinnati Financial Corp (CINF.O) has recorded a major shift in institutional ownership, with investor ID 587 significantly altering its position in the company’s shares. This change, detected in late June 2026, represents a substantial modification in the holder’s stake, moving from a minimal weight of approximately 0.0006% to a more notable 3.43% of the portfolio, or vice versa, depending on the specific transaction direction captured in the sequential data updates. The value associated with this holding fluctuated between roughly $1 million and $59.4 million, underscoring the material nature of the adjustment. This movement is particularly significant given that Cincinnati Financial Corp maintains a relatively concentrated shareholder base, with only 34 top holders identified in the current dataset. As a company with limited analyst coverage—currently zero analysts tracking the stock—changes in major holder positions often serve as a primary signal of institutional sentiment. The absence of a broader analyst consensus means that shifts in ownership by key investors like ID 587 may carry disproportionate weight in market perception and liquidity dynamics. The company’s profile remains stable in other structural aspects, with two officers managing operations and membership in one major index. This index inclusion provides a baseline level of visibility and passive investment flow, which may interact with the active trading decisions of holders like ID 587. However, the lack of prior analysis for this ticker means there is no historical delta to compare against, making this the first recorded instance of such a significant holder change in the available data. For investors monitoring Cincinnati Financial Corp, this major holder modification highlights the importance of tracking institutional flows in the absence of extensive analyst commentary. The shift in ID 587’s position, whether an accumulation or reduction, suggests a reassessment of the company’s value or risk profile by a significant stakeholder. Given the company’s small officer count and limited analyst presence, such institutional moves may be among the most visible indicators of changing market dynamics for CINF.O.
- Cincinnati Financial Corp exhibits a strong balance sheet with a low debt-to-equity ratio of 0.05 and high return on equity of 15.04%.
- The company generates substantial operating cash flow of $3.11 billion, far exceeding its minimal capital expenditure needs.
- Analyst sentiment is neutral-to-positive, with a mean price target of $189.17 implying upside from the current price of $180.03.
- Dilution risk is low, as evidenced by identical basic and diluted share counts of 157.7 million.
- Liquidity risk is rated medium due to a negative net cash position after debt subtraction, despite strong cash flow generation.
- Historical growth data and segment breakdowns are unavailable, limiting trend and concentration analysis.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Operating income +485,2% YoY; Net income +404,4% YoY.
- ▍Operating income +485,2% YoY
- ▍Net income +404,4% YoY
- ▍Free cash flow +204,7% YoY
Operating income +0,1% YoY; Net income +66,9% YoY.
- ▍Operating income +0,1% YoY
- ▍Net income +66,9% YoY
- ▍Free cash flow +98,3% YoY
Operating income +141,9% YoY; Net income +36,8% YoY.
- ▍Operating income +141,9% YoY
- ▍Net income +36,8% YoY
- ▍Free cash flow +39,4% YoY
Operating income +236,8% YoY; Net income +119,5% YoY.
- ▍Operating income +236,8% YoY
- ▍Net income +119,5% YoY
- ▍Free cash flow +165,2% YoY
Operating income -$115.0M.
- ▍Operating income -$115.0M
Operating income $663.0M.
- ▍Operating income $663.0M
Operating income $236.0M.
- ▍Operating income $236.0M
Operating income $258.0M.
- ▍Operating income $258.0M
Operating income −3,1% YoY; Net income +4,4% YoY.
- ▍Operating income −3,1% YoY
- ▍Net income +4,4% YoY
- ▍Free cash flow +5,5% YoY
Operating income −29,8% YoY; Net income +24,4% YoY.
- ▍Operating income −29,8% YoY
- ▍Net income +24,4% YoY
- ▍Free cash flow +28,8% YoY
Operating income +463,5% YoY; Net income +478,4% YoY.
- ▍Operating income +463,5% YoY
- ▍Net income +478,4% YoY
- ▍Free cash flow +285,8% YoY
Operating income −117,1% YoY; Net income −116,4% YoY.
- ▍Operating income −117,1% YoY
- ▍Net income −116,4% YoY
- ▍Free cash flow −130,1% YoY
Valuation TTM
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 8,77 |
| Revenue | —no estimate | —no estimate | 11,7B USD |
| Operating income | —no estimate | —no estimate | 118,0M USD |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- EVP, Chief Info Off. -Sub · Stock Option (Right to Buy) → Common StockDisposed 24 221 @ $85,67exercise · 2026-06-08
- Sr. VP, Chief Actuary - Sub · Stock Option (Right to Buy) → Common StockDisposed 774 @ $85,67exercise · 2026-05-28
- EVP/CLO & Corp Secretary · Stock Option (Right to Buy) → Common StockDisposed 487 @ $70,70exercise · 2026-05-07
- EVP/CLO & Corp Secretary · Stock Option (Right to Buy) → Common StockDisposed 957 @ $71,19exercise · 2026-05-07
- Sr VP, COO - Subsidary · Stock Option (Right to Buy) → Common StockDisposed 6 900 @ $71,19exercise · 2026-05-05
- CFO, EVP & Treasurer · Stock Option (Right to Buy) → Common StockDisposed 36 909 @ $70,70exercise · 2026-05-01
- Sr. VP, Chief Actuary - Sub · Stock Option (Right to Buy) → Common StockDisposed 957 @ $71,19exercise · 2026-04-29
- EVP, Chief Info Off. -Sub · Stock Option (Right to Buy) → Common StockDisposed 28 156 @ $71,19exercise · 2026-04-29
- EVP, Chief Risk Off. - Sub · Stock Option (Right to Buy) → Common StockDisposed 15 386 @ $70,70exercise · 2026-04-29
- Exec Vice President - Sub · Performance Stock Units → Common StockDisposed 7 436exercise · 2026-03-02
- Exec Vice President - Sub · Restricted Stock Units → Common StockDisposed 452exercise · 2026-03-02
- Exec Vice President - Sub · Restricted Stock Units → Common StockDisposed 382exercise · 2026-03-02
- Director, President & CEO · Performance Stock Units → Common StockDisposed 13 620exercise · 2026-03-02
- Director, President & CEO · Restricted Stock Units → Common StockDisposed 605exercise · 2026-03-02
- Director, President & CEO · Restricted Stock Units → Common StockDisposed 778exercise · 2026-03-02
- Director, President & CEO · Restricted Stock Units → Common StockDisposed 688exercise · 2026-03-02
- EVP, Chief Investment Officer · Performance Stock Units → Common StockDisposed 7 168exercise · 2026-03-02
- EVP, Chief Investment Officer · Restricted Stock Units → Common StockDisposed 319exercise · 2026-03-02
- EVP, Chief Investment Officer · Restricted Stock Units → Common StockDisposed 428exercise · 2026-03-02
- EVP, Chief Investment Officer · Restricted Stock Units → Common StockDisposed 384exercise · 2026-03-02
- CFO, EVP & Treasurer · Performance Stock Units → Common StockDisposed 14 996exercise · 2026-03-02
- CFO, EVP & Treasurer · Restricted Stock Units → Common StockDisposed 667exercise · 2026-03-02
- CFO, EVP & Treasurer · Restricted Stock Units → Common StockDisposed 774exercise · 2026-03-02
- CFO, EVP & Treasurer · Restricted Stock Units → Common StockDisposed 653exercise · 2026-03-02
- Senior Vice President - Sub · Restricted Stock Units → Common StockDisposed 250exercise · 2026-03-02
Actions
Ask Handelsavisen
- Reference data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Enterprise Valuemarket_cap - net_cash
- Ev To Revenueenterprise_value / revenue
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- CINCINNATI FINANCIAL CORPORATION Market data — financials · 2026-07-26
- failed_redrive (failed_redrive) on CINF.O · 2026-07-26
- Cincinnati Financial Corp Market data — analyst estimates · 2026-07-26
- Cincinnati Financial Corp Market data — ESG · 2026-07-26
- Cincinnati Financial Corp — company reference export (2026-07-05) · 2026-07-26
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,24 %$331M
- Investment Managers · as of 2026-03-310,12 %$794M
- Investment Managers · as of 2026-03-310,08 %$142M
- Investment Managers · as of 2026-03-310,06 %$125M
- Funds · as of 2026-03-310,05 %$331M
- Investment Managers · as of 2026-03-310,05 %$238M
- Investment Managers · as of 2025-12-310,05 %$3 222M
- Investment Managers · as of 2026-03-310,05 %$1 312M
- Investment Managers · as of 2026-03-310,04 %$659M
- Investment Managers · as of 2026-03-310,03 %$59M
- Investment Managers · as of 2024-06-300,03 %$1 459M
- Institutional Investor · as of 2022-09-300,03 %$0M
- Investment Managers · as of 2026-03-310,03 %$234M
- Institutional Investor · as of 2026-03-310,03 %$165M
- Brokerage Firms · as of 2026-03-310,03 %$93M
- Investment Managers · as of 2026-03-310,03 %$41M
- Investment Managers · as of 2026-03-310,02 %$125M
- Investment Managers · as of 2026-03-310,02 %$149M
- Investment Managers · as of 2026-03-310,02 %$296M
- Investment Managers · as of 2026-03-310,01 %$28M
- Investment Managers · as of 2024-12-310,01 %$46M
- Institutional Investor · as of 2026-03-310,01 %$23M
- Investment Managers · as of 2026-03-310,01 %$36M
- Brokerage Firms · as of 2026-03-310,01 %$44M
- Investment Managers · as of 2026-03-310,01 %$26M
- Institutional Investor · as of 2026-03-310,01 %$35M
- Investment Managers · as of 2026-03-310,01 %$23M
- Investment Managers · as of 2026-03-310,00 %$9M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$3M
- Institutional Investor · as of 2026-03-310,00 %$19M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$0M
Leadership
- Stephen M. SprayPresident, Chief Executive Officer, Director
- Steve J. JohnstonExecutive Chairman of the Board
Insider activity
- EVP, Chief Info Off. -Sub · Common StockOther 17 536 @ $163,73$2,9M · 2026-06-08
- EVP, Chief Info Off. -Sub · Common StockOther 24 221 @ $85,67$2,1M · 2026-06-08
- Sr. VP, Chief Actuary - Sub · Common StockOther 99 @ $161,20$16K · 2026-05-28
- Sr. VP, Chief Actuary - Sub · Common StockOther 774 @ $85,67$66K · 2026-05-28
- Director · Common StockOther 27 122 · 2026-05-11
- EVP/CLO & Corp Secretary · Common StockOther 957 @ $71,19$68K · 2026-05-07
- EVP/CLO & Corp Secretary · Common StockOther 145 @ $160,96$23K · 2026-05-07
- EVP/CLO & Corp Secretary · Common StockOther 487 @ $70,70$34K · 2026-05-07
- EVP/CLO & Corp Secretary · Common StockOther 74 @ $160,96$12K · 2026-05-07
- Sr VP, COO - Subsidary · Common StockOther 6 900 @ $71,19$491K · 2026-05-05
- Sr VP, COO - Subsidary · Common StockOther 4 685 @ $159,88$749K · 2026-05-05
- Sr VP, COO - Subsidary · Common StockOther 2 500 · 2026-05-05
- CFO, EVP & Treasurer · Common StockOther 8 822 @ $163,54$1,4M · 2026-05-01
- CFO, EVP & Treasurer · Common StockOther 36 909 @ $70,70$2,6M · 2026-05-01
- EVP, Chief Risk Off. - Sub · Common StockOther 15 386 @ $70,70$1,1M · 2026-04-29
- EVP, Chief Info Off. -Sub · Common StockOther 28 156 @ $71,19$2,0M · 2026-04-29
- Sr. VP, Chief Actuary - Sub · Common StockOther 957 @ $71,19$68K · 2026-04-29
- Sr. VP, Chief Actuary - Sub · Common StockOther 147 @ $163,92$24K · 2026-04-29
- EVP, Chief Risk Off. - Sub · Common StockOther 10 321 @ $163,92$1,7M · 2026-04-29
- EVP, Chief Info Off. -Sub · Common StockOther 18 935 @ $163,92$3,1M · 2026-04-29
- EVP, Chief Info Off. -Sub · Common StockOther 465 · 2026-03-02
- Senior Vice President - Sub · Common StockOther 282 · 2026-03-02
- Senior Vice President - Sub · Common StockOther 81 @ $163,43$13K · 2026-03-02
- Senior Vice President - Sub · Common StockOther 846 @ $70,70$60K · 2026-03-02
- Senior Vice President - Sub · Common StockOther 491 @ $167,16$82K · 2026-03-02
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Total assets (annual): USD 41BUnknown
- Net income (annual): USD 2.39BUnknown
- Total liabilities (annual): USD 25.09BUnknown
- Capex (annual): USD 20MUnknown
- Interest expense (annual): USD 53MUnknown
- Cash & equivalents (annual): USD 1.43BUnknown
- Pre-tax income (annual): USD 2.98BUnknown
- Revenue (annual): USD 12.63BUnknown
- Long-term debt (annual): USD 790MUnknown
- Operating cash flow (annual): USD 3.11BUnknown
- Shareholders' equity (annual): USD 15.91BUnknown
- EPS (basic) (annual): USD-PER-SHARES 15Unknown
- EPS (diluted) (annual): USD-PER-SHARES 15Unknown
- Capex (annual): USD 22MUnknown
- Revenue (annual): USD 11.34BUnknown
- Pre-tax income (annual): USD 2.86BUnknown
- Net income (annual): USD 2.29BUnknown
- Cash & equivalents (annual): USD 983MUnknown
- Total liabilities (annual): USD 22.57BUnknown
- Total assets (annual): USD 36.5BUnknown
- Shareholders' equity (annual): USD 13.94BUnknown
- Operating cash flow (annual): USD 2.65BUnknown