Cincinnati Financial (CINF)
Financials · Property and casualty insurance
A property-casualty and life insurance holding company that markets policies through independent agencies across 46 U.S. states with a focus on commercial, homeowner, and auto coverage.
What Cincinnati Financial does
Cincinnati Financial Corporation is an Ohio-based insurance holding company founded in 1968, with its lead subsidiary, The Cincinnati Insurance Company (founded 1950), writing property and casualty insurance marketed through independent insurance agencies in 46 states. The company operates through multiple subsidiaries offering standard market property casualty insurance (business, homeowner, and auto policies), life insurance and fixed annuities through Cincinnati Life Insurance Company, excess and surplus lines insurance through Cincinnati Specialty Underwriters, reinsurance assumed operations (Cincinnati Re), and Lloyd's-based global specialty underwriting through Cincinnati Global. The parent company maintains an investment portfolio, owns headquarters property, and manages corporate borrowings and shareholder dividends.
Themes: ["Property-casualty insurance","Life insurance","Distribution through independent agents","Regional U.S. market","Reinsurance","Commercial insurance"]
Fundamentals
- Price$175.43 as of 2026-07-09 close
- Market cap$27.4B as of 2026-07-10
- 1-year return+19.6% as of 2026-07-09 close
- P/E9.94 as of 2026-07-10
- Net margin+21.2% as of 2026-07-10
- ROE+18.0% as of 2026-07-10
- Debt / equity0.05 as of 2026-07-10
- Revenue growth (YoY)+18.8% as of 2026-07-10
- Revenue CAGR (3y)+24.4% SEC XBRL
- Beta0.56 as of 2026-07-10
Dividend: yield +2.1%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Insurance underwriting risk from property casualty losses, catastrophic events, and adverse claims experience affecting loss reserves and profitability","Interest rate and investment market risk from significant invested assets portfolio ($32 billion in fixed maturities and equity securities) subject to fair value fluctuations","Regulatory risk from state insurance regulators across 46 states, including capital requirements, policy form approvals, and compliance with insurance regulations"]
Competitors & peers
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.