Here are the 10-K annual reports from Cincinnati Financial Corp (CINF) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CINF and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CINF filings page.
Cincinnati Financial Corporation presents its 2025 annual report, highlighting growth across insurance operations and a strong balance sheet. Total net written premiums reached $10.442 billion, led by commercial lines at $4.998 billion and personal lines at $3.430 billion.
The company emphasizes its independent agency distribution model across 46 states, with 2,292 property‑casualty agency relationships and expanding personal and excess and surplus lines footprints. It reports solid capitalization, including a property‑casualty written premium‑to‑surplus ratio of 1.0‑to‑1 and risk‑based capital well above regulatory minimums.
Investments remain a key earnings driver, with a portfolio fair value of $30.965 billion, including $18.123 billion in fixed maturities and $12.694 billion in equities. Debt leverage is modest, with a 4.9% debt‑to‑total‑capital ratio, and major rating agencies assign high insurer financial strength ratings with stable outlooks.