Cincinnati Financial Corporation

CINF

$173.41

-0.75%

2026-09-04 09:53:45 EDT-$1.31

Servicios financieros

Seguros - Propiedad y Accidentes

NASDAQ

Negociación activa

Cincinnati Financial Corporation, que opera a través de varias filiales, ofrece una gama de servicios de seguros de propiedad y accidentes en ...

Evolución del precio de CINF

$173.41

-0.75%-$1.31

Máximo—

Mínimo—

Máx. 52s-11.0%

Vol. rel.—

Intervalo

Rango6.5h

Volumen—SMA5SMA10

—

Cincinnati Financial Corporation (CFC) is a prominent insurance holding company headquartered in Fairfield, Ohio, with a rich history dating back to 1950. Founded by John J. Schiff Sr. and Robert C. Schiff Sr., the company has grown into a Fortune 500 entity with a market capitalization of approximately $27 billion ...Cincinnati Financial Corporation (CFC) is a prominent insurance holding company headquartered in Fairfield, Ohio, with a rich history dating back to 1950. Founded by John J. Schiff Sr. and Robert C. Schiff Sr., the company has grown into a Fortune 500 entity with a market capitalization of approximately $27 billion as of the latest data. CFC operates primarily through its lead subsidiary, The Cincinnati Insurance Company, which is renowned for its selective underwriting and strong relationships with independent insurance agents. The company's business is organized into five key segments: Commercial Lines, Personal Lines, Excess and Surplus Lines, Life Insurance, and Investments. Commercial Lines provides coverage for businesses including commercial casualty, property damage, vehicle incidents, workers' compensation, director and officer liability, surety and fidelity bonds, and machinery coverage. Personal Lines offers auto, home, dwelling fire, inland marine, personal umbrella, and watercraft insurance to individuals. Excess and Surplus Lines focuses on commercial casualty and property insurance for niche risks. Life Insurance provides term life, universal life, worksite life, and whole life policies. The Investments segment manages a diversified portfolio of fixed-maturity securities and equities, contributing to the company's overall financial stability. As of December 2023, CFC employed 5,426 people, but current data indicates 5,705 full-time employees. The company is led by CEO Stephen M. Spray, who has been with the firm since 1990 and was appointed CEO in 2022. CFC is known for its consistent dividend payments, having increased dividends for over 50 consecutive years. With a beta of 0.553, the stock is considered less volatile than the market. The company's financial performance is robust, with a net profit margin of 23.8% and a return on equity of 20.9% over the trailing twelve months. CFC's long-term strategy focuses on organic growth through premium rate increases, new business from independent agents, and prudent investment management. The company's commitment to policyholder service and financial integrity has earned it recognition, such as being named one of America's Best Insurance Companies by Forbes. Overall, Cincinnati Financial Corporation stands as a pillar of stability in the insurance industry, dedicated to delivering quality protection and generating shareholder value.ExpandirContraer

Fundación

1950

Empleados

5705

CEO

Stephen Michael Spray

Nombre completo

Cincinnati Financial Corporation

Sector

Servicios financieros

Industria

Seguros - Propiedad y Accidentes

ROE

20.89%

Capitalización

$26.61B

Ratio corriente

1.90

WACC

7.06%

ROIC

17.56%

Información de contacto

https://www.cinfin.com

513 870 2000

6200 South Gilmore Road, Fairfield, OH 45014-5141

Métricas clave de CINF

Instantánea

Último / TTM · 6 periodos

Capitalización

$26.61B

ROCE

18.9%

EV / EBITDA

5.94x

+5.6% YoY

Rendimiento FCF

12.7%

+0.7% YoY

Ciclo de conversión de efectivo

115.9d

Ratio corriente

1.90

Resumen rápido

TTM —

Positive CCC

Aspectos financieros de CINF

Tendencia de rentabilidad

Último / TTM · 6 periodos

Margen bruto

52.3%

Margen neto

23.8%

PER

8.21x

n/d

Deuda / capital

0.05

n/d

Ratio corriente

1.90

Rendimiento del dividendo

2.1%

Comprensión

TTM —

Estos ratios principales no muestran una presión relevante en el balance.

Calendario de CINF

Próximamente

23 sept 2026En 19 días
Fecha ex-dividendo
$3.62 por acción
30 sept 2026En 26 días
Q3 FY2026 · Resultados estimados
BPA est. $1.93 · Ingresos $2.64B · 6 analistas
15 oct 2026En 41 días
Pago de dividendo
$3.62 por acción
26 oct 2026En 52 días
Q3 FY2026 · Publicación de resultados
BPA est. $1.88

Historial reciente

27 jul 2026
Q2 FY2026 · Resultados publicados
BPA $8.05 · Ingresos $4.27B
Ver documento
27 abr 2026
Q1 FY2026 · Resultados publicados
BPA $1.75 · Ingresos $2.86B
Ver documento
23 feb 2026
FY2025 · Resultados anuales
BPA $15.17 · Ingresos $12.63B
Ver documento
27 oct 2025
Q3 FY2025 · Resultados publicados
BPA $7.11 · Ingresos $3.73B
Ver documento
28 jul 2025
Q2 FY2025 · Resultados publicados
BPA $4.34 · Ingresos $3.25B
Ver documento
31 mar 2025
Q1 FY2025 · Resultados publicados
BPA $-0.58 · Ingresos $2.57B

Estados financieros de CINF

Próxima fecha de resultados

Oct 26, 2026

Estimación de EPS 1.88 · Fin del periodo fiscal 2026-09-30

D-52

Tendencia de 5 años (ingresos, beneficios, FCF)

Métrica	Último	InteranualYoY significa Year-over-Year (interanual). Compara el último valor anual con el valor anual anterior para mostrar la fortaleza de la tendencia a largo plazo.	TrimestralQoQ significa Quarter-over-Quarter (intertrimestral). Compara el último trimestre con el trimestre inmediatamente anterior para mostrar cambios de impulso a corto plazo.
IngresosEl dinero total que entró por la puerta principal al vender cosas, antes de pagar una sola factura. Piensa en esto como el gran total de cada compra con tarjeta de los clientes. (YoY compara el rendimiento de este año con el del año pasado, mientras que QoQ compara los tres meses actuales con los tres anteriores).	$12.6B	+11.4%	+49.3%
Beneficio netoEl resultado final absoluto. Si la empresa pagara a cada proveedor, empleado, banquero y recaudador de impuestos, este es el dinero real que queda en su bolsillo al final del día.	$2.4B	+4.4%	+358.0%
Margen brutoEl margen básico. Si venden unas zapatillas de 100 dólares, este porcentaje indica cuánto de ese precio es ganancia justo después de pagar el caucho y los cordones, pero antes de pagar el alquiler de la tienda o los anuncios de televisión.	+47.4%	-4.0%	+43.4%
Margen operativoLa puntuación de eficiencia del 'trabajo diario'. De cada dólar que gasta un cliente, esto muestra cuántos centavos mantiene la empresa después de fabricar el producto Y pagar todos los gastos generales corporativos (como salarios, marketing y mantener las luces encendidas).	+23.6%	-6.4%	+223.8%
Margen netoEl porcentaje final que se lleva a casa. Cuando se eliminan todos los costos concebibles, impuestos y pagos de intereses, este es el número exacto de centavos que la empresa realmente se queda de cada dólar en ventas.	+18.9%	-6.3%	+206.8%
Flujo de caja libreEl santo grial del efectivo corporativo. Es el dinero físico gastable que queda después de que el negocio paga sus operaciones diarias Y compra las actualizaciones grandes y costosas (como nuevas fábricas o servidores) que necesita para sobrevivir. Este es el dinero 'libre' que pueden usar para pagar dividendos o recomprar acciones.	$3.1B	+17.7%	+7.3%
Margen FCFLa tasa definitiva de conversión de efectivo. Muestra qué tan buena es la empresa para convertir ventas regulares directamente en efectivo frío, duro y gastable. Un porcentaje alto significa que el negocio es una auténtica máquina de imprimir dinero.	+24.5%	+5.6%	-28.1%
Deuda/PatrimonioEl indicador de riesgo financiero. Compara cuánto del imperio de la empresa se construyó con dinero prestado (préstamos) frente al dinero propio de los propietarios (accionistas). Un número alto significa que están muy apalancados y juegan un juego más arriesgado; un número bajo significa que juegan a lo seguro.	5.6%	-11.3%	-6.6%
Ratio corrienteLa verificación de supervivencia de 12 meses. Simplemente compara el efectivo que tienen ahora mismo (más cosas que pueden convertirse rápidamente en efectivo) con las facturas inmediatas que absolutamente deben pagar este año. Una puntuación superior a 1 significa que tienen suficiente en la billetera para cubrir las próximas facturas sin entrar en pánico.	1.29x	-1.8%	+546.6%
Activos totalesEl tamaño absoluto del imperio de la empresa. Agrupa absolutamente todo lo valioso que poseen, desde el efectivo en la caja registradora y el inventario en el almacén, hasta las patentes de software en la bóveda y las fábricas en el suelo.	$41.0B	+12.3%	+4.5%

Real vs estimado

A Dec 31Q Sep 30

Métrica	Anual (real vs estimado)	Sorpresa anual	Trimestral (real vs estimado)	Sorpresa trimestral
EPS Surprise	15.17 vs 7.49	+102.5%	8.05 vs 1.93	+316.8%
Revenue Surprise	$12.6B vs $9.9B	+27.1%	$4.3B vs $2.6B	+61.9%

Transacciones de insiders de CINF

Compras (A)

Since May 11, 2026

Ventas (D)

Since May 11, 2026

Acciones mensuales compradas/vendidas con tendencia del precio de cierre (fuente diaria compartida)

Resumen de trading de insiders

Fecha	Ejecutivo	Cargo	Valor	Lado	Acciones	Precio
Aug 25, 2026	Debbink Dirk J	director	Common Stock	A	1,000	$171.64
Aug 3, 2026	Schiff Charles Odell	director	Common Stock	D	7,600	$175.40
Jun 19, 2026	Franchetti Lisa Marie	—	—	—	0	—
Jun 8, 2026	KELLINGTON JOHN S	officer: EVP, Chief Info Off. -Sub	Common Stock	A	24,221	$85.67
Jun 8, 2026	KELLINGTON JOHN S	officer: EVP, Chief Info Off. -Sub	Common Stock	D	17,536	$163.73

Transcripción de la llamada de resultados de CINF

1 segmentos de transcripción

Q2 2026

Ponente desconocido

Operator : Good day, everyone, and thank you for joining the Cincinnati Financial Corporation Second Quarter 2026 Earnings Conference Call. [Operator Instructions] Today's session is being recorded. It is my pleasure to turn the floor over for opening remarks and introductions to Mr. Dennis McDaniel, Investor Relations. Please go ahead, sir. Dennis McDaniel : Hello. This is Dennis McDaniel at Cincinnati Financial. Thank you for joining us for our second quarter 2026 earnings conference call. Late yesterday, we issued a news release on our results, along with our supplemental financial package, including our quarter end investment portfolio. To find copies of any of these documents, please visit our investor website, investors.cinfin.com. The shortest route to the information is the Quarterly Results section near the middle of the Investor Overview page. On this call, you'll first hear from President and Chief Executive Officer, Steve Spray; and then from Executive Vice President and Chief Financial Officer, Mike Sewell. After their prepared remarks, investors participating on the call may ask questions. At that time, some responses may be made by others in the room with us, including Executive Chairman, Steve Johnston; Chief Investment Officer, Steve Soloria; and Cincinnati Insurance's Chief Claims Officer, Marc Schambow; and Senior Vice President of Corporate Finance, Andy Schnell. Please note that some of the matters to be discussed today are forward-looking. These forward-looking statements involve certain risks and uncertainties. With respect to these risks and uncertainties, we direct your attention to our news release and to our various filings with the SEC. Also, a reconciliation of non-GAAP measures was provided with the news release. Statutory accounting data is prepared in accordance with statutory accounting rules and therefore, is not reconciled to GAAP. Now I'll turn over the call to Steve. Stephen Spray : Good morning, and thank you for joining us today to hear more about our results. Our second quarter and first half results continue to reflect consistent execution of our strategy, including maintaining pricing discipline in a softening property casualty insurance market. While catastrophe losses for the quarter were modestly higher than our longer-term average, other metrics for our property casualty operations were generally in line with our expectations. Net income of nearly $1.3 billion for the second quarter of 2026 included recognition of $882 million on an after-tax basis for the increase in fair value of equity securities still held. Non-GAAP operating income was $224 million for the quarter compared with $311 million a year ago. The 100.8% second quarter 2026 property casualty combined ratio increased by 5.9 percentage points compared with second quarter last year, including an increase of 2.3 points for catastrophe losses. Our current accident year combined ratio before catastrophe losses for the first 6 months of …

Equipo directivo de CINF

12 directivos

Nombre	Cargo	Remuneración	Género	Año de nacimiento	Estado
Steven Anthony Soloria	Executive Vice President & Chief Investment Officer	USD 2,050,722	Male	1967	Active
Stephen Michael Spray	President, Chief Executive Officer & Director	USD 1,851,727	Male	1966	Active
Michael James Sewell	Chief Financial Officer, Principal Accounting Officer, Executive Vice President & Treasurer	USD 1,791,322	Male	1964	Active
John Scott Kellington	Chief Information Officer & Executive Vice President of The Cincinnati Insurance Company	USD 1,214,764	Male	1962	Active
Steven Justus Johnston CERA FCAS MAAA	Executive Chairman	USD 1,197,279	Male	1960	Active
Teresa Currin Cracas	Chief Risk Officer & Executive Vice President of The Cincinnati Insurance Company	USD 1,127,866	Female	1966	Active
Robert Phillip Sandercox ARe CPCU	Senior VP, MD & Head of Specialty Casualty Reinsurance	—	Male	1964	Active
William Harold Van Den Heuvel	Executive Vice President	—	Male	1967	Active
Betsy E. Ertel	Vice President of Corporation Communications	—	—	—	Active
Dennis E. McDaniel	Vice President & Investor Relations Officer	—	Male	1960	Active
Donald Joseph Doyle Jr.	Senior Vice President of The Cincinnati Insurance Company	—	Male	1967	Active
Thomas Christopher Hogan	Executive Vice President, Chief Legal Officer & Company Secretary	—	Male	1993	Active

Noticias recientes de CINF

Zacks Investment Research7/8/2026Neutral

CINF Outperforms Industry: What Should Investors Do Now?

Cincinnati Financial's disciplined underwriting, agency-led growth and rising investment income support long-term growth despite catastrophe risks.

Zacks Investment Research3/8/2026Neutral

Why Cincinnati Financial (CINF) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Cincinnati Financial (CINF) have what it takes?

Seeking Alpha29/7/2026Neutral

Cincinnati Financial: The Equity Portfolio Saved Q2, But Commercial Lines Need Attention

Cincinnati Financial Corporation reported strong Q2 net income driven by $1.3B in pre-tax investment gains, primarily from its sizable equity portfolio. Operating EPS declined to $1.43 as catastrophe losses and weaker Commercial Lines underwriting offset rising recurring investment income. Commercial Lines produced a 104.1% Q2 combined ratio and remained unprofitable for H1, with deterioration extending beyond catastrophe losses.

Zacks Investment Research28/7/2026Neutral

CINF Q2 Earnings Miss Estimates, Revenues Rise Y/Y on Premium Growth

Cincinnati Financial's Q2 results reflected premium growth and higher investment income, but elevated catastrophe losses hurt underwriting and earnings.

Seeking Alpha28/7/2026Neutral

Cincinnati Financial Corporation (CINF) Q2 2026 Earnings Call Transcript

Evolución del número de empleados de CINF

Actual

5,705

Cambio

+1.44%

Mínimo

5,148

Máximo

5,705

Presentaciones recientes

Fecha del informe	Empleados	Tipo de formulario	Fecha de presentación	Archivo SEC
31 dic 2025	5,705	10-K	23 feb 2026	Ver
31 dic 2024	5,624	10-K	24 feb 2025	Ver
31 dic 2023	5,426	10-K	26 feb 2024	Ver
31 dic 2022	5,148	10-K	23 feb 2023	Ver
31 dic 2021	5,166	10-K	24 feb 2022	Ver

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Cincinnati Financial Corporation