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Cincinnati Financial director Charles Odell Schiff reported an indirect sale of 7,600 shares of common stock on August 3, 2026 by a charitable foundation at $175.4036 per share, leaving the foundation with 173,455 shares. He also reports 746,695 shares held directly and additional indirect holdings through family and trust accounts, some adjusted for dividend reinvestment.
Cincinnati Financial Corporation reported strong results for the quarter and six months ended June 30, 2026. Total revenues rose to $4,274 million for the quarter and $7,137 million year-to-date, increases of 32% and 23%, driven by higher earned premiums, investment income and net investment gains.
Net income grew to $1,255 million for the quarter (up 83%) and $1,529 million for the first six months (up 157%). Diluted EPS reached $8.05 for the quarter and $9.78 year-to-date. Property‑casualty underwriting produced a small quarterly loss with a combined ratio of 100.8%, but a year‑to‑date underwriting profit and combined ratio of 98.2%, helped by lower catastrophe losses versus 2025. Investment results were very strong, with net investment gains of $1,308 million in the quarter and $1,238 million year‑to‑date, and pretax investment income up 13% for the first half.
Book value per share increased to $108.64 from $102.35 at year‑end 2025, and the value creation ratio reached 8.0% for the first six months. The company generated $1,356 million of operating cash flow, maintained a low debt‑to‑total‑capital ratio of 4.6%, increased the dividend 8%, and continued share repurchases.
Cincinnati Financial Corporation reported second-quarter 2026 net income of $1.255 billion, or $8.05 per diluted share, up from $685 million, or $4.34, in the prior-year quarter, mainly after an $882 million after-tax increase in the fair value of equity securities still held. Total revenues rose 32% to $4.274 billion. Non-GAAP operating income declined to $224 million, or $1.43 per share, from $311 million, or $1.97, including a $61 million after-tax drag from higher catastrophe losses.
Property-casualty underwriting moved from profit to a small loss, with the combined ratio worsening to 100.8% from 94.9%, as catastrophe loss ratio rose and commercial lines’ combined ratio reached 104.1%. Personal lines improved to a 99.9% combined ratio and excess and surplus lines maintained a 90.5% combined ratio. After-tax investment income increased 12% to $264 million and pretax investment gains and losses, net, grew to $1.308 billion. Book value per share reached $108.64 at June 30, 2026, up from $91.46 a year earlier, and the first-half 2026 value creation ratio was 8.0%, compared with 4.6% for the same period of 2025.
CINCINNATI FINANCIAL CORP filed an initial insider ownership report identifying Lisa Marie Franchetti as a director-level reporting person. The Form 3 data provided does not list any common stock or derivative transactions, and the transaction summary shows no shares bought, sold, exercised, gifted, or otherwise disposed of.
Cincinnati Financial Corporation filed a current report describing changes to its board of directors. The board created a 15th seat and appointed Admiral Lisa M. Franchetti as an independent director and member of the audit committee, effective immediately.
The filing highlights Franchetti’s nearly 40-year U.S. Navy career, including service as the 33rd Chief of Naval Operations, and her post-retirement strategic consulting and academic roles. Management emphasizes her strategic planning and high-level leadership experience as valuable additions to board deliberations and long‑term oversight for shareholders.
Cincinnati Financial Corporation filed a current report describing an upcoming leadership transition in its technology organization. John S. Kellington, chief information officer and executive vice president of The Cincinnati Insurance Company, plans to retire on August 7 after joining the company in 2010 and leading a major transformation of its information technology architecture.
Ryan M. Osborn, currently vice president, Information Technology, will assume executive responsibility for the company’s IT teams. Osborn has been with Cincinnati Insurance since 2000 and has played key roles in advancing the firm’s architecture program, reducing technical debt, and implementing Agile and DevOps processes. Management emphasized established succession planning and a joint transition process to maintain continuity on key IT projects. The report also reiterates the company’s broader risk factors and forward-looking statement cautions.
CINCINNATI FINANCIAL CORP executive John S. Kellington, EVP and Chief Information Officer – Subsidiaries, exercised stock options and settled related taxes in shares. He exercised options for 24,221 shares of Common Stock at $85.67 per share and 17,536 shares were disposed of at $163.73 per share to cover tax obligations. After these transactions, he directly owns 127,051.658 shares of Common Stock, indicating this was primarily a compensation-related option exercise with tax-withholding rather than an open-market trade.
CINCINNATI FINANCIAL CORP senior vice president and chief actuary Luyang Fu reported routine equity compensation activity. On May 28, 2026, Fu exercised stock options to acquire 774 shares of Common Stock at $85.67 per share and delivered 99 shares at $161.20 per share to cover tax obligations.
After these transactions, Fu directly holds 11,345.127 shares of Common Stock, plus 1,020.36 shares indirectly through the company 401(k) plan and 2,468.6 phantom stock units under the Top Hat Savings Plan, which are to be settled at retirement or other termination of service.
Cincinnati Financial Corporation shares an investor presentation outlining recent performance and long-term targets. For first-quarter 2026, EPS was $1.75 per share versus a loss of $0.57 in 1Q25, and non-GAAP operating income reached $330 million compared with a $37 million loss.
Property casualty net written premiums grew 7% and the combined ratio improved to 95.6%, 17.7 percentage points better than 1Q25, largely from lower catastrophe losses and better underlying results. Investment income rose 14%, with interest income up 12% and dividend income up 13%.
The company targets an average Value Creation Ratio of 10% to 13% over the next five years; the VCR averaged 13.8% from 2021 through 2025 but was 0.2% in 1Q26. Management highlights 65 consecutive years of dividend increases, $9.983 billion of 2025 premiums, a $31.163 billion investment portfolio at March 31, 2026, and low leverage with 4.9% debt-to-total-capital.
CINCINNATI FINANCIAL CORP director Charles Odell Schiff reported trust-related changes in his indirect holdings of common stock. The Form 4 shows an "other" code J transaction for 27,122 shares involving a grandchildren's irrevocable trust, described as a distribution of shares made without consideration from a family trust where he serves as co-trustee.
The filing also updates indirect holdings held by his spouse, children and a charitable foundation, plus a direct holding of 746,695 common shares, reflecting totals after these trust and dividend reinvestment adjustments. The footnotes state he is enrolled in quarterly dividend reinvestment, and beneficially owned shares were adjusted for purchases through that plan.