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Stock research / United States / CINF · Fire, Marine & Casualty Insurance · Nasdaq

Cincinnati Financial Corp. (CINF)

Cincinnati Financial sells property casualty insurance to businesses and households in 46 states, entirely through independent insurance agencies rather than its own salesforce or direct advertising. It also writes life insurance, excess and surplus lines and assumed reinsurance. It is an Ohio corporation formed in 1968; its lead subsidiary, The Cincinnati Insurance Company, was founded in 1950 by four independent agents. Headquarters are in Fairfield, Ohio.

Cincinnati Financial Corp.

Cincinnati Financial sells property casualty insurance to businesses and households in 46 states, entirely through independent insurance agencies rather than its own salesforce or direct advertising. It also writes life insurance, excess and surplus lines and assumed reinsurance. It is an Ohio corporation formed in 1968; its lead subsidiary, The Cincinnati Insurance Company, was founded in 1950 by four independent agents. Headquarters are in Fairfield, Ohio.

How the group is put together

The parent owns four subsidiaries outright. The Cincinnati Insurance Company is the insurance business and holds four insurance subsidiaries of its own: The Cincinnati Casualty Company and The Cincinnati Indemnity Company, which with their parent make up the standard market property casualty group writing business, homeowner and auto policies; The Cincinnati Life Insurance Company, which writes life policies and fixed annuities; and The Cincinnati Specialty Underwriters Insurance Company, which writes excess and surplus lines. The Cincinnati Insurance Company also runs the group's assumed reinsurance operation, known as Cincinnati Re.

Cincinnati Global owns a London underwriting agency for Lloyd's Syndicate 318 and a Lloyd's corporate member through which capital is provided by the parent and by third-party names. The two non-insurance subsidiaries are CSU Producer Resources, a brokerage that gives the group's agencies access to its excess and surplus lines products, and CFC Investment Company, which offers commercial leasing and financing to agencies, their clients and other customers. The parent itself holds an investment portfolio, owns the headquarters property and carries the corporate borrowings and the shareholder dividend.

What it writes

Five reporting segments: commercial lines, personal lines, excess and surplus lines, life insurance, and investments. Of 2025 net written premiums, commercial lines were 47.9 percent, personal lines 32.8 percent, excess and surplus lines 7.0 percent, life insurance 3.4 percent, and the remaining 8.9 percent came from Cincinnati Re and Cincinnati Global.

Commercial breaks into commercial casualty, commercial property, commercial auto, workers' compensation and other commercial. Construction is a heavy concentration within it: the company estimated that 39 percent of its general liability premiums and 38 percent of its workers' compensation premiums in 2025 came from the construction industry. Personal lines breaks into personal auto, homeowner and other personal, and is written on an account basis, with about 86 percent of homeowner policies at the end of 2025 accompanied by a personal auto policy in the same account.

The agency channel, which is the whole model

At the end of 2025 the company had 2,292 property casualty agency relationships, up from 2,175, across 3,702 reporting locations, with 266 new appointments made during the year. Standard market and excess and surplus commercial policies were marketed in 44 states, with commercial excess and surplus also available in California; personal lines in 45. Business is still concentrated: in the ten highest-volume states, 1,717 agency locations wrote 50.2 percent of consolidated property casualty earned premium in 2025, and the company says it is working to spread that geographically. The company says that for most agencies representing it, it offers insurance solutions for about 75 percent of the typical insurable risks of their clients.

Excess and surplus lines

These policies cover business risks with unusual features, such as the nature of the business or its claims history, that are hard to insure profitably in the standard commercial market. Excess and surplus carriers have more freedom over terms and rates than standard carriers, which generally means higher rates and conditions written for the specific risk. Cincinnati targets small to midsized risks, often where the policyholder already buys standard cover from another of its subsidiaries, and every policy is written for a maximum term of one year. The company says it issues about 95 percent of policies within 24 hours of a request to bind.

Life insurance

Cincinnati Life is licensed in 49 states and the District of Columbia, and at the end of 2025 about 84 percent of the group's property casualty agency relationships also offered its life products, alongside roughly 489 other independent life agencies. Four lines account for about 99 percent of the segment's revenues: term life, worksite products sold to employees through their employer by payroll deduction, whole life, and universal life. It also sells deferred and immediate annuities.

From Cincinnati Financial's annual report on Form 10-K for the year ended 31 December 2025. The filing

Compare with another name What $10,000 in Cincinnati Financial became

Latest results

Latest quarterQ3 FY2026ended 30 September 2026 · 10-Q filed 26 October 2026
Revenue
$3.0 billion
-18.2% on the year · -28.7% on the quarter
Q4 FY2024Q3 FY2026
Net income
$459 million
-59.1% on the year · -63.4% on the quarter
Q4 FY2024Q3 FY2026
Diluted EPS
$2.96
-58.4% on the year · -63.2% on the quarter
Q4 FY2024Q3 FY2026

this quarterthe same quarter a year earlierHover a bar for its figure.

Read the Q3 FY2026 results →the 10-Q on EDGAR ↗
Last full yearFY2025ended 31 December 2025 · 10-K filed 23 February 2026
Revenue
$12.6 billion
+11.4% on the year
FY2018FY2025
Net income
$2.4 billion
+4.4% on the year
FY2018FY2025
Diluted EPS
$15.17
+4.4% on the year
FY2018FY2025

this yearthe year beforeHover a bar for its figure.

The years before, in wordsCincinnati Financial (CINF) reported revenue of $12.6 billion for fiscal 2025, the year ended 31 December 2025, up 11.4% on the year before. Net income was $2.4 billion and diluted earnings per share $15.17. Revenue was $11.3 billion in fiscal 2024, $10.0 billion in fiscal 2023, $6.6 billion in fiscal 2022 and $9.6 billion in fiscal 2021. Net income in the same years was $2.3 billion, $1.8 billion, a loss of $487 million and $3.0 billion. Over the twelve months to 30 September 2026, Cincinnati Financial reported revenue of $13.3 billion and net income of $2.7 billion. Revenue grew 10.9% a year, compounded, over the five years to fiscal 2025. Cincinnati Financial declared $3.69 a share in dividends over the last four quarters and had 154 million shares outstanding at the latest filed count. At the close of 6 November 2026 the market cap of Cincinnati Financial was $28.5 billion, 10.9 times its earnings over the last twelve months.
Read the FY2025 results →the 10-K on EDGAR ↗

Ratios

From the filings

ROE16.5%
ROCE19.4%
Operating margin24.8%
Net margin20.1%
FCF margin23.2%
Interest cover63.4x
Debt to equity0.05x
Cash conversion1.16x
Share count, last 12 months-1.6%
Sales CAGR, 3 years24.4%
Profit CAGR, 3 yearsn/a
EPS, TTM$17.05

At the close of 6 November 2026

Price$185.51
Market cap$28.5 billion
Stock P/E10.9x
Price to book1.8x
EV / EBITDAn/a
Dividend yield2.0%
Market cap / sales2.1x
52-week high$192.03
52-week low$153.68
Price, 1 year15.0%
Price CAGR, 3 years22.6%
Price CAGR, 5 years8.0%

29 ready-made ratios, from FCF yield to net debt to EBITDA, wait on the Formulas page, each with what it tells you. Browse and add them →

Worked from the filed figures; hover a name for the formula.
Read moreThe priced ones use the latest price, the last regular-hours trade on IEX. Debt to equity here stands on long-term debt as Cincinnati Financial Corp. files it, with lease liabilities counted separately and never inside it. Nothing here is a valuation or a view.
CINFgreeksoup.ai
Daily prices to 6 November 2026, adjusted for splits; from 28 September 2026 each day's price is the last regular-hours trade on IEX.
Read moreData provided for free by IEX. By accessing or using IEX Historical Data, you agree to the IEX Historical Data Terms of Use. Day by day for the last three years; before that one point a week, carrying the week's last close and its average daily volume, so a volume bar means the same thing across the whole series; the bars sit under the price on their own scale, on the right. The moving averages need consecutive days and are drawn from the daily part. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Before the quarters on file begin, P/E, price to book and market cap to sales stand on each annual report from the day it was filed. Drawn in your browser; the range and overlay you pick are remembered here only.

Quarterly results

Q4 FY2021 *Q1 FY2022 †Q2 FY2022 †Q3 FY2022 †Q4 FY2022 *Q1 FY2023Q2 FY2023Q3 FY2023Q4 FY2023 *Q1 FY2024Q2 FY2024Q3 FY2024Q4 FY2024 *Q1 FY2025Q2 FY2025Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026Q3 FY2026
Revenue3,3231,2188201,4083,1142,2412,6051,8113,3562,9352,5443,3202,5382,5663,2483,7263,0912,8634,2743,047
Operating income1,846-351-1,053-5791,287268666-1481,4909533861,040479-1288551,4138403261,576553
Operating margin56%-29%-128%-41%41%12%26%-8%44%32%15%31%19%-5%26%38%27%11%37%18%
Interest expense14.013.013.014.013.014.013.013.014.013.014.013.013.013.014.013.013.013.014.012.0
Pre-tax income1,846-351-1,053-5771,287268666-1481,4909533861,040479-1288551,4138403261,576553
Tax rate20%n/an/an/a21%16%20%n/a21%21%19%21%15%n/a20%21%20%16%20%17%
Net income1,470-266-818-4161,013225534-99.01,183755312820405-90.06851,1226762741,255459
Net margin44%-22%-100%-30%33%10%20%-5%35%26%12%25%16%-4%21%30%22%10%29%15%
Diluted EPS$9.03-$1.66-$5.12-$2.63$6.40$1.42$3.38-$0.63$7.50$4.78$1.98$5.20$2.56-$0.57$4.34$7.11$4.29$1.75$8.05$2.96
Operating cash flow4631985576666312505756505773537429126423107411,114947656700791
Capital expenditure3.04.04.04.03.04.04.02.08.07.05.06.04.03.04.05.08.02.02.04.0
Free cash flow4601945536626282465716485693467379066383077371,109939654698787
Buybacks10445.015120311.025.041.01.00.075.046.00.05.042.00.060.01031792161.0
Dividends paid10099.0109108107106117115116116125124125125133134133133143142
Shares outstanding160m160m159m157m157m157m157m157m157m157m156m156m157m156m156m156m156m155m153m154m
Filing10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q
Each quarter as filed, linked to its filing.
Read more* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. A quarter marked † is shown as the company last restated it in a later filing, so it compares with the quarters around it on one basis; rest on a figure for the one first filed. EPS is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Income statement (profit and loss)

FY2008FY2009FY2010 †FY2011 †FY2012FY2013FY2014 †FY2015 †FY2016 †FY2017FY2018FY2019FY2020FY2021 †FY2022 †FY2023FY2024FY2025TTM
Revenue3,8243,9033,7723,8034,1114,5314,9455,1425,4495,7325,4077,9247,5369,6306,55710,01311,33712,63113,275
Operating income5405825011765667147218818127302512,4721,4993,702-6932,2762,8582,9803,295
Operating margin14.1%14.9%13.3%4.6%13.8%15.8%14.6%17.1%14.9%12.7%4.6%31.2%19.9%38.4%-10.6%22.7%25.2%23.6%24.8%
Interest expense53.055.054.054.054.054.053.053.053.053.053.053.054.053.053.054.053.053.052.0
Pre-tax income5405824981735667147218818127302512,4721,4993,698-6932,2762,8582,9803,295
Income tax1111501239.0145197196247221-315-36.0475283730-207433566587631
Effective tax rate20.6%25.8%24.7%5.2%25.6%27.6%27.2%28.0%27.2%-43.2%-14.3%19.2%18.9%19.7%n/a19.0%19.8%19.7%19.2%
Net income4294323751644215175256345911,0452871,9971,2162,968-4871,8432,2922,3932,664
Net margin11.2%11.1%9.9%4.3%10.2%11.4%10.6%12.3%10.8%18.2%5.3%25.2%16.1%30.8%-7.4%18.4%20.2%18.9%20.1%
Diluted EPS$2.62$2.65$2.30$1.01$2.57$3.12$3.18$3.83$3.55$6.29$1.75$12.10$7.49$18.24-$3.06$11.66$14.53$15.17$17.05
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
From each year's 10-K, linked; TTM is the last four quarters.
Read moreFree cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Revenue by segment FY2009 to FY2025, 2 years left out

FY2009FY2010FY2011FY2012FY2013FY2014FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2024FY2025Share
of the parts, latest year
Commercial Insurancen/an/an/a2,3872,6392,8603,0003,0943,1703,2233,3243,4793,6784,4904,86841.5%
Personal Insurancen/an/an/a8709621,0431,1001,1651,2461,3411,4081,4671,5462,6283,20427.3%
Investments Segment8376775955736126826427197572172,2961,5353,1232,4162,60722.2%
Excess and Surplus Lines Insurance27n/a70n/a1161481691842102352803274006187026.0%
Life Insurance Segment1431581671791932042142332372542742912993263362.9%
Commercial Lines2,2012,1562,200n/an/an/an/an/an/an/an/an/an/an/an/an/a
Other988n/an/an/an/an/an/an/an/an/an/an/an/an/a
Personal Lines686723763n/an/an/an/an/an/an/an/an/an/an/an/an/a
Not assigned to a part in the filingn/an/an/a102n/an/an/an/a112137342437584859914n/a
Commercial Insurance FY2012 to FY2025Personal Insurance FY2012 to FY2025Investments SegmentExcess and Surplus Lines Insurance FY2009 to FY2025Life Insurance SegmentCommercial Lines FY2009 to FY2011Personal Lines FY2009 to FY2011Other FY2009 to FY2011
3.9FY20093.8FY20114.5FY20135.1FY20155.6FY20177.6FY20199.0FY202111.7FY2025

$ billion; hover a block for its figure and share; the figure over a bar is its parts, before the lines named below; a part named with years is one the company split its revenue into only then

From the company's 10-Ks, in its own words (latest 10-K).
Read moreEach year's figures come from the most recent 10-K that includes that year. A year is shown only where the parts add up to the revenue above. Fiscal years are labelled by the year they end in. Not assigned to a part in the filing is the company's own eliminations and corporate items, which take the parts to revenue: shown as filed, with no share and no block in the chart.

Profit by segment FY2009 to FY2025, 2 years left out

The profit before tax each segment reports. Costs Cincinnati Financial does not charge to a segment are left out, so the segments can add up to more than the company's own profit before tax.

FY2009FY2010FY2011FY2012FY2013FY2014FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2024FY2025Margin
FY2025
Commercial Insurancen/an/an/a181186146345184119151241645983114399.0%
Personal Insurancen/an/an/a-433310-12-12-32-208479771-111-3.5%
Investments Segment7685985144915325995566296641212,1971,4333,0182,2912,48095.1%
Excess and Surplus Lines Insurance-15-86-1143051626163533444408512.1%
Life Insurance Segment26-3-39-5-21-1811112576519.3%
Commercial Lines-3314-102n/an/an/an/an/an/an/an/an/an/an/an/an/a
Other-60-57-60n/an/an/an/an/an/an/an/an/an/an/an/an/a
Personal Lines-80-55-182n/an/an/an/an/an/an/an/an/an/an/an/an/a
Commercial Insurance FY2012 to FY2025Commercial Lines FY2009 to FY2011Personal Lines FY2009 to FY2011Personal Insurance FY2012 to FY2025Investments SegmentExcess and Surplus Lines InsuranceLife Insurance SegmentOther FY2009 to FY2011
582FY2009173FY2011774FY2013938FY2015811FY20172,500FY20193,769FY20212,958FY2025

$ million; the figure over a bar is all the segments together; a year a segment lost money, it hangs below the line. Hover a block for its profit, sales and margin.

FY2025Share of salesShare of profit
Commercial Insurance42%14%
Personal Insurance27%a loss
Investments Segment22%81%
Excess and Surplus Lines Insurance6%3%
Life Insurance Segment3%2%

Each column adds to 100%. A segment with a bigger share of the profit than of the sales makes more on each dollar it sells.

From the company's 10-Ks, in its own words (latest 10-K).
Read moreEach year's figures come from the most recent 10-K that includes that year. A year is shown only where every segment with sales that year has a profit before tax figure. A margin is a segment's profit before tax over its own sales.

Cash flow

Follow the cashA discounted cash flow: five years of free cash flow, added up in today's moneyNot for Cincinnati Financial: an insurer's operating cash flow includes premiums it holds to pay claims later, so it is not cash the owners can take out. Book value and return on equity, in the ratios above, are the usual measures for it.

FY2008FY2009FY2010 †FY2011 †FY2012FY2013FY2014 †FY2015 †FY2016 †FY2017FY2018FY2019FY2020FY2021 †FY2022 †FY2023FY2024FY2025TTM
Operating cash flow4845255312476387968731,0751,1151,0521,1811,2081,4911,9812,0522,0522,6493,1123,094
Capital expenditure36.042.017.07.06.07.09.010.013.016.020.024.020.015.015.018.022.020.016.0
Free cash flow4484835142406327898641,0651,1021,0361,1611,1841,4711,9662,0372,0342,6273,0923,078
Free cash flow margin11.7%12.4%13.6%6.3%15.4%17.4%17.5%20.7%20.2%18.1%21.5%14.9%19.5%20.4%31.1%20.3%23.2%24.5%23.2%
Cash from investing1,509-815-529-8.0-304-509-311-624-456-558-451-679-560-1,057-933-1,608-1,696-1,691-2,042
Cash from financing-1,210-162-174-186-285-341-404-498-426-614-603-546-798-685-994-801-877-973-1,273
Depreciation and amortisation32.038.041.042.044.050.051.052.048.055.063.072.081.093.0n/an/an/an/an/a
Share-based compensation15.010.011.013.016.018.019.020.023.026.028.030.031.033.0n/an/an/an/an/a
Buybacks139n/a10.032.00.052.021.053.039.092.012567.026114441067.0126205499
Dividends paid250249252255256263278366306400336355375395423454490525551
Dividend per sharen/a$1.57$1.59$1.60$1.62$1.66$1.76$2.30$1.92$2.50$2.12$2.24$2.40$2.52$2.76$3.00$3.24$3.48n/a
Diluted shares, weightedn/a163m163m163m164m165m165m166m166m166m164m165m162m163m159m158m158m158m155m
Shares outstanding at period endn/an/an/a196m197m198m198m198m198m198m198m198mn/an/an/an/an/an/a154m
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
Cash paid in the year, from the cash flow statement.
Read moreThe dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet

FY2008FY2009FY2010 †FY2011 †FY2012FY2013FY2014 †FY2015 †FY2016 †FY2017FY2018FY2019FY2020FY2021 †FY2022 †FY2023FY2024FY2025TTM
Funded by
Shareholders' equity4,1824,7605,0125,0335,4536,0706,5736,4277,0608,2437,8339,86410,78912,76410,56212,09813,93515,91116,182
Debtn/a790790790790790786786787787788788788789789790790790791
Other liabilitiesn/a8,8909,2939,81210,30510,80211,39411,67512,53912,81313,31414,75615,96517,83418,38519,88121,77624,30125,638
Total liabilities and equityn/a14,44015,09515,63516,54817,66218,75318,88820,38621,84321,93525,40827,54231,38729,73632,76936,50141,00242,611
Owned
Fixed assetsn/a251229227217210194185183185195207213205202208214219209
Investmentsn/a6.0n/an/an/an/a0.0n/an/an/an/an/an/an/an/a0.0298148141
Securities held for sale or to maturityn/an/a8,3838,7799,0939,121n/a9,65010,08510,69910,68911,69812,33813,02212,132n/an/an/an/a
Loansn/a75.073.076.075.085.075.062.051.061.071.077.095.098.092.0108n/an/an/a
Cash and equivalents1,0095573854384874335915447776577847679001,1391,2649079831,4311,239
Other assetsn/a13,5516,0256,1156,6767,81317,8938,4479,29010,24110,19612,65913,99616,92316,04631,54635,00639,20441,022
Total assetsn/a14,44015,09515,63516,54817,66218,75318,88820,38621,84321,93525,40827,54231,38729,73632,76936,50141,00242,611
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
At the fiscal year end; the TTM column is the latest quarter end.
Read moreBoth totals are the company's own. Other liabilities is the filed total less the rows above it: payables, deferred revenue, taxes, borrowings the rows above do not carry and the rest; other assets is the same on the other side. Investments add the current and non-current lines as filed. Debt is the company's own stated total where it files one, otherwise its long-term debt with the current maturities, never parts added together. A row is left blank in a year where the lines shown overlap and the remainder would fall below nil.

Compounded growth

10 years5 years3 yearsTTM
Sales growth, compounded9.4%10.9%24.4%9.9%
Profit growth, compounded14.2%14.5%n/a25.5%
Return on equity, average12.2%13.1%15.6%15.0%
Yearly growth, compounded; TTM is the last four quarters against the four before.
Read moreReturn on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Questions

What was Cincinnati Financial's revenue in fiscal 2025?

Cincinnati Financial (CINF) reported revenue of $12.6 billion for fiscal 2025, the year ended 31 December 2025, up 11.4% on the year before.

How much did Cincinnati Financial earn in fiscal 2025?

Net income was $2.4 billion for fiscal 2025, and diluted earnings per share $15.17.

What is Cincinnati Financial's P/E ratio?

At the close of 6 November 2026, Cincinnati Financial traded at 10.9 times its earnings over the twelve months to 30 September 2026.

What is Cincinnati Financial's market cap?

The market cap of Cincinnati Financial was $28.5 billion at the close of 6 November 2026.

Does Cincinnati Financial pay a dividend?

Yes. Cincinnati Financial declared $3.69 a share in dividends over the four quarters to 30 September 2026.

Peers: Insurance

CompanyMarket capP/EROEOp. marginSales growth
TTM		Debt to equityDiv. yield
Berkshire Hathaway Inc. BRK.B$1.23 trillion14.3611.5%15.0%3.9%n/an/a
Chubb Ltd. CB$139.6 billion12.7715.3%22.3%5.7%0.251.1%
Progressive Corp. PGR$132.0 billion11.4833.7%16.0%7.7%0.246.1%
Travelers Companies, Inc. TRV$81.0 billion10.3128.7%21.2%1.1%0.341.2%
Allstate Corp. ALL$63.4 billion5.7735.9%21.1%5.1%0.231.7%
American International Group, Inc. AIG$40.3 billion12.668.5%14.5%1.2%0.222.4%
Hartford Insurance Group, Inc. HIG$35.8 billion8.1124.4%18.2%6.2%0.231.8%
Arch Capital Group Ltd. ACGL$34.9 billion8.7819.0%25.9%-3.9%0.194.7%
Everest Group, Ltd. EG$30.6 billion8.6913.3%13.9%-8.7%n/a1.9%
Cincinnati Financial Corp. CINF$28.5 billion10.8816.5%24.8%9.9%0.052.0%
W. R. Berkley Corp. WRB$27.9 billion15.9119.4%n/a1.5%n/a2.5%
Markel Group Inc. MKL$23.7 billion13.779.7%15.7%2.5%0.24n/a
All 112 in Insurance
CompanyMarket capP/EROEOp. marginSales growth
TTM		Debt to equityDiv. yield
Berkshire Hathaway Inc. BRK.B$1.23 trillion14.3611.5%15.0%3.9%n/an/a
UnitedHealth Group Inc. UNH$353.2 billion22.5115.3%5.3%3.3%0.712.3%
Chubb Ltd. CB$139.6 billion12.7715.3%22.3%5.7%0.251.1%
Progressive Corp. PGR$132.0 billion11.4833.7%16.0%7.7%0.246.1%
Marsh & McLennan Companies, Inc. MRSH$97.3 billion24.4927.1%21.4%7.6%1.271.8%
Elevance Health, Inc. ELV$92.0 billion18.1511.5%2.7%3.6%0.691.6%
Travelers Companies, Inc. TRV$81.0 billion10.3128.7%21.2%1.1%0.341.2%
Cigna Group CI$77.4 billion12.9613.8%3.4%6.8%0.722.1%
Manulife Financial Corporation MFC *$72.5 billion19.6611.1%n/an/a0.153.3%
Arthur J. Gallagher & Co. AJG$72.2 billion43.067.1%13.1%25.6%0.541.0%
Aon plc AON$71.0 billion18.3438.9%26.3%3.8%2.610.9%
Allstate Corp. ALL$63.4 billion5.7735.9%21.1%5.1%0.231.7%
Metlife Inc. MET$62.0 billion12.8023.1%8.2%14.8%0.642.4%
Aflac Inc. AFL$61.5 billion18.2412.0%25.9%-6.2%0.281.9%
Humana Inc. HUM$52.1 billion42.176.6%1.5%22.0%0.660.8%
Prudential Financial Inc. PRU$40.9 billion10.8613.1%7.8%6.5%0.674.7%
American International Group, Inc. AIG$40.3 billion12.668.5%14.5%1.2%0.222.4%
Sun Life Financial Inc. SLF *$39.6 billion16.2414.5%n/a8.0%0.333.7%
Hartford Insurance Group, Inc. HIG$35.8 billion8.1124.4%18.2%6.2%0.231.8%
Arch Capital Group Ltd. ACGL$34.9 billion8.7819.0%25.9%-3.9%0.194.7%
Centene Corp. CNC$34.5 billion23.886.6%0.5%9.7%0.70n/a
Everest Group, Ltd. EG$30.6 billion8.6913.3%13.9%-8.7%n/a1.9%
Willis Towers Watson plc WTW$30.3 billion20.0720.1%22.0%4.8%0.841.2%
Cincinnati Financial Corp. CINF$28.5 billion10.8816.5%24.8%9.9%0.052.0%
W. R. Berkley Corp. WRB$27.9 billion15.9119.4%n/a1.5%n/a2.5%
Markel Group Inc. MKL$23.7 billion13.779.7%15.7%2.5%0.24n/a
Principal Financial Group Inc. PFG$23.6 billion12.3516.7%14.7%5.2%0.372.9%
Brown & Brown, Inc. BRO$23.6 billion22.829.7%n/a26.1%0.620.9%
Loews Corp. L$22.2 billion15.208.1%10.8%2.8%0.460.2%
Reinsurance Group of America Inc. RGA$17.0 billion10.1214.7%8.0%22.5%0.461.4%
Assurant, Inc. AIZ$15.1 billion14.4517.9%9.8%9.4%n/a1.1%
Corebridge Financial, Inc. CRBG$15.0 billion7.3132.7%16.6%13.3%0.832.9%
Globe Life Inc. GL$14.5 billion10.5317.9%23.3%5.6%0.450.8%
Renaissancere Holdings Ltd. RNR$14.2 billion9.7813.8%30.1%-20.9%0.210.5%
Equitable Holdings, Inc. EQH$14.1 billion10.11n/a16.3%8.6%n/a2.2%
CNA Financial Corp. CNA$12.8 billion12.4710.1%8.5%2.1%0.248.2%
American Financial Group Inc. AFG$12.8 billion12.6121.6%15.2%3.3%0.394.5%
Erie Indemnity Co. ERIE$12.6 billion24.7822.6%17.9%2.0%n/a2.1%
Unum Group UNM$11.9 billion54.432.3%2.4%-4.2%0.352.5%
Fidelity National Financial, Inc. FNF$11.7 billion11.2114.2%17.0%6.4%0.594.7%
Molina Healthcare, Inc. MOH$10.8 billionn/a-1.2%0.4%-0.9%0.91n/a
Oscar Health, Inc. OSCR$9.5 billion12.6638.5%5.4%54.8%0.19n/a
Old Republic International Corp. ORI$9.5 billion8.9218.8%13.8%12.5%n/a9.2%
Voya Financial, Inc. VOYA$8.9 billion15.9216.4%8.9%-0.3%0.551.9%
Primerica, Inc. PRI$8.9 billion11.4828.2%29.4%8.3%0.211.6%
Jackson Financial Inc. JXN$8.7 billion10.7310.4%56.7%34.1%0.332.7%
Kinsale Capital Group, Inc. KNSL$8.6 billion16.7227.4%33.7%8.3%0.120.2%
Hanover Insurance Group, Inc. THG$8.3 billion11.6121.8%15.2%5.0%0.25n/a
Axis Capital Holdings Ltd. AXS$7.6 billion8.0616.1%17.5%9.8%0.211.7%
Lincoln National Corp. LNC$7.6 billion2.4835.2%20.0%10.3%0.684.5%
First American Financial Corp. FAF$6.8 billion9.4413.6%11.9%14.1%n/a3.3%
Enact Holdings, Inc. ACT$6.3 billion9.6713.1%68.5%2.5%0.141.9%
RLI Corp. RLI$6.3 billion15.9323.3%25.8%4.6%0.183.9%
Hagerty, Inc. HGTY$6.2 billionn/a23.4%4.5%-0.9%0.96n/a
Selective Insurance Group Inc. SIGI$5.9 billion11.9514.8%11.9%4.0%0.261.7%
Mgic Investment Corp. MTG$5.8 billion8.8914.3%73.2%-2.2%n/a2.2%
Essent Group Ltd. ESNT$5.6 billion8.6712.2%59.2%9.6%n/a2.1%
White Mountains Insurance Group Ltd. WTM$5.4 billion5.9518.1%30.7%44.9%0.170.0%
CNO Financial Group, Inc. CNO$5.1 billion12.6618.0%14.8%2.3%0.581.2%
Radian Group Inc. RDN$4.7 billion8.8112.0%38.3%65.3%0.132.8%
Mercury General Corp. MCY$4.6 billion7.1222.9%12.9%5.4%0.201.5%
Accelerant Holdings ARX$4.3 billionn/a-180.6%-110.8%n/a0.17n/a
Corvel Corp. CRVL$4.2 billion34.9428.2%n/a8.3%n/an/a
Palomar Holdings, Inc. PLMR$4.1 billion19.5122.0%22.8%58.5%0.30n/a
Neptune Insurance Holdings Inc. NP$3.9 billion90.02n/a41.3%n/an/an/a
Hamilton Insurance Group, Ltd. HG$3.6 billion7.0631.2%28.3%14.8%0.05n/a
Assured Guaranty Ltd. AGO$3.2 billion10.406.0%33.8%-4.2%0.322.0%
Genworth Financial Inc. GNW$3.2 billion67.000.6%3.3%-0.6%0.17n/a
Lemonade, Inc. LMND$3.1 billionn/a-30.6%-12.6%69.5%n/an/a
F&G Annuities & Life, Inc. FG$3.1 billion3.1023.8%n/a-0.4%0.514.3%
Slide Insurance Holdings, Inc. SLDE$3.0 billion5.8944.8%50.4%n/a0.02n/a
SiriusPoint Ltd. SPNT$3.0 billion6.4022.5%17.6%18.1%0.30n/a
Baldwin Insurance Group, Inc. BWIN$3.0 billionn/a-9.2%-6.9%18.9%2.67n/a
NMI Holdings, Inc. NMIH$2.9 billion7.6614.5%68.1%6.9%n/an/a
Skyward Specialty Insurance Group, Inc. SKWD$2.7 billion14.0715.0%13.5%35.3%0.33n/a
Porch Group, Inc. PRCH$2.6 billion246.38127.2%7.7%23.4%53.60n/a
Clover Health Investments, Corp. CLOV$2.6 billion483.003.2%0.5%54.5%0.00n/a
Brighthouse Financial, Inc. BHF$2.5 billion4.3713.6%14.0%-9.4%0.63n/a
HCI Group, Inc. HCI$2.3 billion7.5229.3%49.6%20.1%0.030.9%
Horace Mann Educators Corp. HMN$2.2 billion12.4112.5%12.5%4.2%0.422.7%
Goosehead Insurance, Inc. GSHD$2.0 billion40.58n/a23.3%17.7%n/an/a
Kemper Corp. KMPR$2.0 billionn/a-22.6%n/a-4.5%0.433.8%
Trupanion, Inc. TRUP$1.6 billion60.316.7%1.8%11.4%0.26n/a
Alignment Healthcare, Inc. ALHC$1.5 billion56.3810.4%0.9%35.9%1.17n/a
Safety Insurance Group Inc. SAFT$1.5 billion21.828.2%7.0%4.6%0.063.5%
Twfg, Inc. TWFG$1.5 billion47.5117.4%17.3%36.2%0.05n/a
Stewart Information Services Corp. STC$1.4 billion11.777.2%5.2%20.5%0.394.5%
Universal Insurance Holdings, Inc. UVE$1.3 billion5.8336.0%19.0%5.5%0.151.3%
United Fire Group Inc. UFCS$1.2 billion9.1014.6%11.5%11.6%0.161.6%
Ategrity Specialty Insurance Co. Holdings ASIC$1.2 billion12.1715.0%24.4%n/an/a0.0%
Bowhead Specialty Holdings Inc. BOW$1.1 billion19.1513.3%11.7%23.8%0.33n/a
Heritage Insurance Holdings, Inc. HRTG$983 million4.6736.1%34.1%2.3%0.12n/a
Hippo Holdings Inc. HIPO$929 million28.826.8%6.2%20.6%n/an/a
Employers Holdings, Inc. EIG$832 million25.993.5%4.1%-13.0%0.162.8%
Donegal Group Inc. DGICA$701 million10.0210.5%8.9%-3.4%n/a4.0%
Root, Inc. ROOT$659 million9.1324.8%6.7%7.9%0.60n/a
Ethos Technologies Inc. LIFE$558 millionn/a-23.0%-16.1%n/an/an/a
Crawford & Co. CRD-A$554 million21.9414.1%3.9%-3.6%0.81n/a
American Integrity Insurance Group, Inc. AII$528 million5.9923.8%36.2%29.3%0.00n/a
Greenlight Capital RE, Ltd. GLRE$522 million9.458.4%8.8%3.7%0.01n/a
Investors Title Co. ITIC$483 million11.9814.1%17.7%8.7%n/a4.1%
American Coastal Insurance Corp. ACIC$475 million5.7424.5%37.7%-5.3%0.427.5%
Amerisafe Inc. AMSF$363 million9.1017.0%15.0%7.7%n/a8.3%
NI Holdings, Inc. NODK$311 million21.266.1%7.7%-12.9%0.01n/a
Kingstone Companies, Inc. KINS$296 million7.1230.7%21.2%24.5%0.030.8%
Mbia Inc. MBI$235 millionn/an/a-155.2%18.0%n/an/a
Kingsway Corp. KWY$230 millionn/a-79.5%0.7%23.6%5.13n/a
Octave Specialty Group Inc. OSG$226 millionn/a-23.0%-24.3%26.8%0.22n/a
Citizens, Inc. CIA$208 million25.694.0%3.8%4.1%n/an/a
James River Group Holdings, Inc. JRVR$180 million10.145.8%3.8%-1.8%n/a1.0%
Roadzen Inc. RDZN$100 millionn/an/a-21.6%30.5%n/an/a
Ryan Specialty Holdings, Inc. RYANn/an/a23.4%15.6%9.8%8.231.1%
49 companies share its SEC industry code (Fire, Marine & Casualty Insurance); the rest are the names nearest in size in its wider industry, Insurance, one of the Fama-French 48 industries, a published grouping of SEC industry codes.
Read moreBy market capitalisation; a click on a heading sorts by it, largest first, and a second click turns it round. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close; a name marked * is a foreign company that files once a year, on its latest fiscal year.

The public record on CINF

Dividends$3.69 a share over the four quarters to 30 September 2026, a 1.99% yield
Filings21 in twelve months: 13 current reports (8-K), about 8 regulation FD disclosure; 4 results of operations; 3 officer or director change; 1 material agreement; 1 new financial obligation
Planned insider salesno Form 144 notice in twelve months
Options tapeput/call 0.31 by open interest at the 6 November 2026 close; the straddle prices a 4.0% move to 20 November 2026
13F holders959 funds reported a position for the quarter to 30 June 2026; largest BlackRock, Inc.
Insider trading1 sale and 3 purchases on Form 4 in twelve months
Congress1 House trade disclosed in six months
Short interest4.1 million shares short, 7.78 days to cover at 15 October 2026
Documentsthe 10-K, the 10-Qs, the proxy and 4 earnings press releases, each linked

Filings

FilingPeriodFiledWhere
10-Q30 September 202626 October 2026EDGAR
10-Q30 June 202627 July 2026EDGAR
10-Q31 March 202627 April 2026EDGAR
10-K31 December 202523 February 2026EDGAR
10-Q30 September 202527 October 2025EDGAR
10-Q30 June 202528 July 2025EDGAR
10-Q31 March 202528 April 2025EDGAR
10-K31 December 202424 February 2025EDGAR
10-Q30 September 202424 October 2024EDGAR
10-Q30 June 202425 July 2024EDGAR

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