CINF · Cincinnati Financial Corp
$161.95
-0.20 (-0.12%)
At close · Oct 2
Return incl. dividend (before tax)
Market Cap
$24.73B
Shares
153.48M
Volume · Oct 2
559.63K
Avg daily vol (3M)
706.19K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$162.15
Open$159.85
Day$159.34–162.37
52W close$151.39–192.03
Avg vol 30d620K
Short int3.8M · 2.4% float · 8.1d
Short vol66%
Last earningsJul 27, 2026
DataJan 2020–Oct 2026
Filing10-Q · Jul 27
Up next
Next earnings call
Oct 26, 2026
Est · unconfirmed
· in 3 wks
filed Jul 27, 2026
call held Jul 27, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$13.95B
Trailing 12 months
Net income (TTM)
$3.33B
Trailing 12 months
Revenue growth YoY
+31.6%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
7.6
Trailing earnings · reciprocal yield 13.1%
FCF yield
13.7%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
2.3%
Trailing 12 months
Shares change YoY
-1.3%
Year over year · fewer shares
Price change (1Y)
+1.5%
Trailing year
Short interest
2.4%
Latest settlement · 8.1 days to cover
AI Brief
Q2 FY26 earnings call · Jul 27, 2026
Q2 FY26
TL;DR. Cincinnati Financial reported Q2 net income of $1.255 billion (boosted by an $882M after-tax equity-securities gain), non-GAAP operating income of $224M vs $311M a year ago, and a 100.8% P&C combined ratio that worsened 5.9 points year-over-year, driven primarily by elevated catastrophe losses.
Bullish
- + Net income jumped to $1.255B from $685M aided by an $882M after-tax increase in fair value of equity securities still held.
- + Book value reached a record $108.64 per share, up $6.29 since year-end.
- + Investment income grew 12% to $319M, with bond interest income up 14% and fixed-maturity yield up 15 bps to 5.08%.
- + Six-month P&C combined ratio improved 5.6 points to a profitable 98.2%, with catastrophe losses down 5.8 points.
- + Excess & surplus lines produced an excellent 90.5% combined ratio with 8% premium growth.
- + Life insurance subsidiary net income rose 15% to $30M, with term life earned premiums up 5%.
Bearish
- − Q2 P&C combined ratio rose 5.9 points to 100.8%, including a 2.3-point increase in catastrophe losses, producing an underwriting loss.
- − Non-GAAP operating income fell 28% to $224M from $311M a year ago.
- − Commercial lines combined ratio deteriorated 11.2 points to 104.1%, including 4.9 points of higher catastrophe losses.
- − Personal lines new business written premiums fell 45% to $78M as the company maintained pricing discipline.
- − Underwriting expense ratio rose 1.2 points in Q2 due to higher commissions and expense timing.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Sell
Momentum
Weak
Sentiment
Bearish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 16.4 · calm
Equity put/call 0.57
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−3%
below
Price vs 50-day avg
−6%
below
RSI (14)
36
neutral
MACD trend
Negative
52-week position
26%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−6%
trailing
6-month return
+1%
trailing
YTD return
−1%
this year
Relative strength
−12%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $172 › 200d $167 — 50d above 200d
Institutional flow
Distributing
2 of 958 funds reported for Sep 30 · net -321 sh shares
Insider flow
Distributing
Net -$1.2M over 90 days · 50% sells
Short interest
Rising
2.45% of float · ▲ +4.0% MoM · 8.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
958 holders — near 3-yr high, broad support
Squeeze score
60
elevated · 0–100
Fundamentals
Revenue growth
+11%
Y/Y
EPS growth
+4%
Y/Y
Free cash flow
$3.1B
Valuation
P/E 7.6
below peers
Balance sheet
$641.0M
net cash
Quant / Vol
risk profile
Volatility
21%
annualized · 1-yr
Max drawdown
−17%
past year
ATR
1.7%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−3%
Neutral
Price vs 50-day avg
−6%
Bearish
RSI (14)
36
Neutral
MACD trend
Negative
Bearish
52-week position
26%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $172 › 200d $167 — 50d above 200d
Institutional flow
Distributing
2 of 958 funds reported for Sep 30 · net -321 sh shares
Insider flow
Distributing
Net -$1.2M over 90 days · 50% sells
Short interest
Rising
2.45% of float · ▲ +4.0% MoM · 8.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
958 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $151
Now $162 · 26%
Range high $192
vs 200-day avg -3%
vs 50-day avg -6%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Agency new business written premiums | $353M | Three months ended June 30, 2026 filing | — |
| Agency renewal written premiums | $2.25B | Three months ended June 30, 2026 filing | — |
| Catastrophe losses contribution to combined ratio | 14.5% | second quarter of 2026 filing | — |
| Cincinnati Global net written premiums | $98M | second quarter of 2026 filing | — |
| Cincinnati Re net written premiums | $191M | second quarter of 2026 filing | — |
| Combined ratio before catastrophe losses and prior years reserve development non-GAAP | 88.1% | Three months ended June 30, 2026 filing | — |
| Commercial lines catastrophe losses and prior years reserve development contribution to combined | 10.6% | Three months ended June 30, 2026 filing | — |
| Commercial lines combined ratio | 104.1% | Three months ended June 30, 2026 filing | — |
| Commercial lines combined ratio before catastrophe losses and prior years reserve development | 93.5% | Three months ended June 30, 2026 filing | — |
| Commercial lines earned premiums | $1.25B | Three months ended June 30, 2026 filing | — |
| Commercial lines underwriting profit (loss) | -$49M | Three months ended June 30, 2026 filing | — |
| Consolidated property casualty total large losses incurred | $135M | second quarter of 2026 filing | — |
| Earned premiums | $2.55B | Three months ended June 30, 2026 filing | — |
| Net written premiums | $2.83B | Three months ended June 30, 2026 filing | — |
| Other written premiums | $218M | Three months ended June 30, 2026 filing | — |
| Underwriting profit (loss) | -$18M | Three months ended June 30, 2026 filing | — |
| Unearned premium change | -$277M | Three months ended June 30, 2026 filing | — |
| Value creation ratio | 7.9% | Three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CINF
this stock
Cincinnati Financial Corp
|
$24.73B | -0.7% | +11.4% | 7.6 | 2.4% |
|
CB
Chubb Ltd
|
$128.80B | +6.1% | +6.5% | 11.8 | 0.9% |
|
PGR
Progressive Corp/Oh/
|
$119.47B | -7.4% | +16.3% | 10.3 | 1.1% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$100.71B | +36.6% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$75.72B | +24.7% | +5.2% | 9.8 | 3.0% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CINF | -0.1% | -5.6% | +0.6% | +1.7% | -0.7% |
| SPY | -0.4% | -0.2% | +12.4% | +0.2% | +12.0% |
| vs SPY | +0.3% | -5.4% | -11.8% | +1.6% | -12.8% |
Capital returns
Latest dividend
$0.94
/ share · ex Sep 23, 2026
Paid (TTM)
$3.69
/ share · 4 payouts
Dividend yield (TTM, derived)
2.28%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.