Cincinnati Financial (CINF) SVP Luyang Fu details stock, options and phantom units in Form 3

Rhea-AI Filing Summary

Cincinnati Financial Corporation executive Luyang Fu, Senior Vice President-Sub, filed an initial ownership report showing existing holdings in the company’s common stock and equity awards. This Form 3 does not record new purchases or sales, but lists what Fu already beneficially owns or controls.

Fu directly holds 9,597.333 shares of common stock and indirectly holds 956.56 shares through the company’s 401(k) plan, where the value can be shifted among investment options. Fu also holds multiple stock option grants covering several hundred shares each at exercise prices between $71.19 and $137.56, along with restricted stock units totaling 1,165 shares that vest between February 2026 and February 2028 if service conditions are met. In addition, Fu owns 2,299.32 phantom stock shares under the Top Hat Savings “Excess Benefits” Plan, to be settled after retirement or other termination of service.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Fu Luyang

(Last) (First) (Middle)

6200 S GILMORE RD.

(Street)

FAIRFIELD OH 45014

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
01/30/2026

3. Issuer Name and Ticker or Trading Symbol
CINCINNATI FINANCIAL CORP [ CINF ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Senior Vice President-Sub

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	9,597.333(1)	D
Common Stock	956.56(2)	I	By 401(K) Plan

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options (Right to buy)	02/09/2019(3)	02/09/2028(3)	Common Stock	957	$71.19	D
Stock Options (Right to buy)	02/21/2020(3)	02/21/2029(3)	Common Stock	774	$85.67	D
Stock Options (Right to buy)	02/21/2021(3)	02/21/2030(3)	Common Stock	522	$111.53	D
Stock Options (Right to buy)	02/22/2022(3)	02/22/2031(3)	Common Stock	567	$96.32	D
Stock Options (Right to buy)	02/21/2023(3)	02/21/2032(3)	Common Stock	647	$123.94	D
Stock Options (Right to buy)	02/20/2024(3)	02/20/2033(3)	Common Stock	449	$125.57	D
Stock Options (Right to buy)	02/19/2025(3)	02/19/2034(3)	Common Stock	647	$112.36	D
Stock Options (Right to buy)	02/17/2026(3)	02/17/2035(3)	Common Stock	462	$137.56	D
Restricted Stock Units	(4)	(4)	Common Stock	313	$0.00	D
Restricted Stock Units	(5)	(5)	Common Stock	487	$0.00	D
Restricted Stock Units	(6)	(6)	Common Stock	365	$0.00	D
Phantom Stock	(7)	(7)	Common Stock	2,299.32	$0.00	D

Explanation of Responses:

1. The reporting person is enrolled in quarterly dividend reinvestment. The beneficially owned shares have been adjusted to reflect shares purchased through the reinvestment plan.

2. The reported stock was acquired under the company's 401(k) plan. The reporting person may transfer the value of his shares into an alternative investment selection within the plan.

3. The option vests in three annual installments beginning on the first anniversary of the date of grant.

4. The restricted stock units vest February 12, 2026, as set forth in the agreement, if service requirements are met.

5. The restricted stock units vest February 22, 2027, as set forth in the agreement, if service requirements are met.

6. The restricted stock units vest February 22, 2028, as set forth in the agreement, if service requirements are met.

7. The reported phantom stock shares were acquired under the company's Top Hat Savings Plan, an "Excess Benefits Plan" within the meaning of Rule 16b-3(b)(2), and are to be settled upon the reporting person's retirement or other termination of service. The reporting person may transfer the value of his phantom stock shares into an alternative investment selection within the plan.

Remarks:

	/s/ Luyang Fu	02/09/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What does the CINF Form 3 filing report for Luyang Fu?

The Form 3 shows existing ownership by Senior Vice President-Sub Luyang Fu in Cincinnati Financial common stock, stock options, restricted stock units, and phantom stock. It is an initial ownership statement, not a record of new share purchases or sales.

How many Cincinnati Financial (CINF) common shares does Luyang Fu hold?

Luyang Fu directly holds 9,597.333 shares of Cincinnati Financial common stock and indirectly holds 956.56 shares through the company’s 401(k) plan. The direct holdings include shares adjusted for quarterly dividend reinvestment under the company’s reinvestment plan.

What stock options in CINF does Luyang Fu report on Form 3?

Fu reports several stock options (right to buy) grants, each covering between 449 and 957 shares of Cincinnati Financial common stock, with exercise prices from $71.19 to $137.56. These options vest in three annual installments beginning on each respective grant’s first anniversary.

What restricted stock units does Luyang Fu hold in Cincinnati Financial (CINF)?

Fu holds restricted stock units covering 313, 487, and 365 shares of Cincinnati Financial common stock. These units are scheduled to vest on February 12, 2026, February 22, 2027, and February 22, 2028, respectively, if the specified service requirements are satisfied.

What is the phantom stock reported by Luyang Fu in the CINF filing?

Fu reports 2,299.32 phantom stock shares acquired under Cincinnati Financial’s Top Hat Savings Plan, an Excess Benefits Plan. These units track the value of common stock and are to be settled after retirement or other termination of service, with flexibility to reallocate among plan investments.

How are Luyang Fu’s 401(k) holdings in CINF stock treated?

The Form 3 shows 956.56 common shares held indirectly in the company’s 401(k) plan. These shares were acquired under the plan, and Fu may transfer their value into alternative investment options offered within the 401(k) plan structure.