CINF
Cincinnati Financial Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
-2/100
Last price
163.08
▲ 0.94 (0.58%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
164.60
Prev close
162.14
Day high
163.86
Day low
161.46
Volume
393.22K
Market cap
$25.03B
P/E (TTM)
7.66
52W range
150.00 – 194.81
Day trading desk
Gap from prior close
+1.52%
Prior close 162.14
VWAP
162.96
+0.07% from price
Relative volume
0.93×
Normal
Session range
2.48%
161.00 – 164.99
Position in range
52%
Mid range
ATR (14D)
2.44
1.50% of price
Prior day high
163.44
PDH
Prior day low
161.13
PDL
Bid / ask spread
—
Quote not published
Session volume
642.56K
Avg 691.66K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+1.21%
-0.7%
1M
-4.69%
-5.8%
3M
-10.18%
-14.7%
6M
+1.81%
-16.4%
YTD
-0.15%
-14.4%
1Y
-0.13%
-16.5%
3Y
+59.43%
-22.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CINF open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+110.65K
Net buying
Buy transactions
10
118.25K shares
Sell transactions
1
7.60K shares
Net transactions
+11
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
2.65M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 25, 26 | DEBBINK DIRK J Director |
BUY | 1.00K | $171.64K | Indirect |
| Aug 3, 26 | SCHIFF CHARLES ODELL Director |
SELL | 7.60K | $1.33M | Indirect |
| Jun 8, 26 | KELLINGTON JOHN S Officer |
CONVERSION | 24.22K | $2.08M | Direct |
| May 28, 26 | FU LUYANG Officer |
CONVERSION | 774 | $66.31K | Direct |
| May 7, 26 | HOGAN THOMAS CHRISTOPHER Officer |
CONVERSION | 1.44K | $102.56K | Direct |
| May 5, 26 | BROWN ROGER A. Officer |
STOCK | 2.50K | $0 | Direct |
| May 5, 26 | BROWN ROGER A. Officer |
CONVERSION | 6.90K | $491.21K | Direct |
| May 1, 26 | SEWELL MICHAEL J Chief Financial Officer |
CONVERSION | 36.91K | $2.61M | Direct |
| Apr 29, 26 | KELLINGTON JOHN S Officer |
CONVERSION | 28.16K | $2.00M | Direct |
| Apr 29, 26 | CRACAS TERESA C Officer |
CONVERSION | 15.39K | $1.09M | Direct |
| Apr 29, 26 | FU LUYANG Officer |
CONVERSION | 957 | $68.13K | Direct |
| Mar 2, 26 | KELLINGTON JOHN S Officer |
— | 11.92K | — | Direct |
| Mar 2, 26 | CRACAS TERESA C Officer |
— | 10.85K | — | Direct |
| Mar 2, 26 | JOHNSTON STEVEN J Chairman of the Board |
— | 30.86K | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BROWN ROGER A. |
Officer | 76.65K | Stock Gift |
CRACAS TERESA C |
Officer | 57.44K | Conversion of Exercise of derivative security |
DEBBINK DIRK J |
Director | — | Purchase |
JOHNSTON STEVEN J |
Chairman of the Board | 213.84K | Conversion of Exercise of derivative security |
KELLINGTON JOHN S |
Officer | 127.05K | Conversion of Exercise of derivative security |
OSBORN DAVID P |
Director | — | Stock Award(Grant) |
SCHIFF CHARLES ODELL |
Director | — | Sale |
SEWELL MICHAEL J |
Chief Financial Officer | 140.01K | Conversion of Exercise of derivative security |
SPRAY STEPHEN M |
Chief Executive Officer | 72.73K | Conversion of Exercise of derivative security |
WEBB LARRY R |
Director | — | Stock Award(Grant) |
Fundamentals
Market cap$25.03B
Enterprise value$24.01B
Revenue (TTM)$13.95B
Gross profit$4.34B
EBITDA$4.37B
Net income$3.33B
EPS (TTM)$21.30
Free cash flow$2.98B
Total cash$1.89B
Total debt$876.00M
Book value / share$108.68
Shares outstanding153.48M
Float150.57M
Short % of float2.86%
Dividend yield2.32%
Beta (5Y)0.53
Valuation & profitability ratios
Trailing P/E7.66
Forward P/E18.00
PEG ratio2.19
Price / sales—
Price / book1.50
EV / revenue1.72
EV / EBITDA5.50
Gross margin31.07%
Operating margin37.20%
Profit margin23.84%
Return on equity21.48%
Return on assets6.41%
Debt / equity5.26
Current ratio1.15
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $12.63B | $11.34B | $10.01B | $6.56B | +11.4% |
| Operating revenue | $12.63B | $11.34B | $10.01B | $6.56B | +11.4% |
| Net interest income | -$53.00M | -$53.00M | -$54.00M | -$53.00M | 0.0% |
| Pre-tax income | $2.98B | $2.86B | $2.28B | -$694.00M | +4.3% |
| Tax provision | $587.00M | $566.00M | $433.00M | -$207.00M | +3.7% |
| Net income | $2.39B | $2.29B | $1.84B | -$487.00M | +4.4% |
| Net income to common | $2.39B | $2.29B | $1.84B | -$487.00M | +4.4% |
| Basic EPS | 15.32 | 14.65 | 11.74 | -3.06 | +4.6% |
| Diluted EPS | 15.17 | 14.53 | 11.66 | -3.06 | +4.4% |
| EBIT | $3.03B | $2.91B | $2.33B | -$641.00M | +4.2% |
| Basic shares | 156.20M | 156.45M | 156.98M | 158.82M | -0.2% |
| Diluted shares | 157.70M | 157.80M | 158.10M | 158.82M | -0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $1.43B | $983.00M | $907.00M | $1.26B | +45.6% |
| Cash & short-term investments | $19.70B | $17.46B | $14.70B | $13.40B | +12.8% |
| Accounts receivable | $3.80B | $3.49B | $3.24B | $2.99B | +8.7% |
| Property, plant & equipment | $219.00M | $214.00M | $208.00M | $202.00M | +2.3% |
| Total assets | $41.00B | $36.50B | $32.77B | $29.73B | +12.3% |
| Current debt | $25.00M | $25.00M | $25.00M | $50.00M | 0.0% |
| Long-term debt | $790.00M | $790.00M | $790.00M | $789.00M | 0.0% |
| Total debt | $886.00M | $875.00M | $874.00M | $891.00M | +1.3% |
| Total liabilities | $25.09B | $22.57B | $20.67B | $19.17B | +11.2% |
| Retained earnings | $16.72B | $14.87B | $13.08B | $11.71B | +12.4% |
| Shareholder equity | $15.91B | $13.94B | $12.10B | $10.56B | +14.2% |
| Net tangible assets | $15.91B | $13.94B | $12.10B | $10.56B | +14.2% |
| Shares issued | 198.32M | 198.32M | 198.30M | 198.30M | +0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $2.39B | $2.29B | $1.84B | -$487.00M | — | +4.4% |
| Depreciation & amortisation | $168.00M | $130.00M | $112.00M | $127.00M | — | +29.2% |
| Stock-based compensation | — | — | — | — | $33.00M | — |
| Change in working capital | $1.63B | $1.43B | $937.00M | $1.23B | — | +13.7% |
| Operating cash flow | $3.11B | $2.65B | $2.05B | $2.05B | — | +17.5% |
| Capital expenditure | -$20.00M | -$22.00M | -$18.00M | -$15.00M | — | +9.1% |
| Investing cash flow | -$1.69B | -$1.70B | -$1.61B | -$933.00M | — | +0.3% |
| Share buybacks | -$205.00M | -$126.00M | -$67.00M | -$410.00M | — | -62.7% |
| Dividends paid | -$525.00M | -$490.00M | -$454.00M | -$423.00M | — | -7.1% |
| Financing cash flow | -$973.00M | -$877.00M | -$801.00M | -$994.00M | — | -10.9% |
| Free cash flow | $3.09B | $2.63B | $2.03B | $2.04B | — | +17.7% |
| End cash position | $1.43B | $983.00M | $907.00M | $1.26B | — | +45.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | — | $2.86B | $3.09B | $3.73B | $3.25B | $2.57B | — |
| Operating revenue | — | $2.86B | $3.09B | $3.73B | $3.25B | $2.57B | — |
| Net interest income | — | -$13.00M | -$13.00M | -$13.00M | -$14.00M | -$13.00M | — |
| Pre-tax income | — | $326.00M | $840.00M | $1.41B | $855.00M | -$128.00M | — |
| Tax provision | — | $52.00M | $164.00M | $291.00M | $170.00M | -$38.00M | — |
| Net income | — | $274.00M | $676.00M | $1.12B | $685.00M | -$90.00M | — |
| Net income to common | — | $274.00M | $676.00M | $1.12B | $685.00M | -$90.00M | — |
| Basic EPS | 8.14 | 1.77 | 4.34 | 7.19 | 4.38 | — | +359.9% |
| Diluted EPS | 8.05 | 1.75 | 4.29 | 7.11 | 4.34 | — | +360.0% |
| EBIT | — | $339.00M | $853.00M | $1.43B | $869.00M | -$115.00M | — |
| Basic shares | 154.60M | 155.30M | 155.76M | 156.10M | 156.30M | — | -0.5% |
| Diluted shares | 155.70M | 157.00M | 157.50M | 157.80M | 157.80M | — | -0.8% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.21B | $1.43B | $1.46B | $995.00M | $1.01B | -15.4% |
| Cash & short-term investments | $2.10B | $19.70B | $2.46B | $2.18B | $2.23B | -89.4% |
| Accounts receivable | $3.95B | $3.80B | $3.99B | $4.17B | $3.97B | +4.0% |
| Property, plant & equipment | $214.00M | $219.00M | $213.00M | $214.00M | $216.00M | -2.3% |
| Total assets | $41.21B | $41.00B | $40.57B | $38.84B | $37.28B | +0.5% |
| Current debt | $25.00M | $25.00M | $25.00M | $25.00M | $25.00M | 0.0% |
| Long-term debt | $791.00M | $790.00M | $790.00M | $790.00M | $790.00M | +0.1% |
| Total debt | $884.00M | $886.00M | $883.00M | $884.00M | $878.00M | -0.2% |
| Total liabilities | $25.50B | $25.09B | $25.16B | $24.54B | $23.56B | +1.6% |
| Retained earnings | $16.85B | $16.72B | $16.18B | $15.19B | $14.64B | +0.8% |
| Shareholder equity | $15.71B | $15.91B | $15.41B | $14.30B | $13.72B | -1.2% |
| Net tangible assets | $15.71B | $15.91B | $15.41B | $14.30B | $13.72B | -1.2% |
| Shares issued | 198.30M | 198.32M | 198.30M | 198.30M | 198.30M | -0.0% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Net income | $274.00M | $676.00M | $1.12B | $685.00M | -$90.00M | -59.5% |
| Depreciation & amortisation | $40.00M | $42.00M | $33.00M | $46.00M | $47.00M | -4.8% |
| Change in working capital | $338.00M | $361.00M | $628.00M | $376.00M | $264.00M | -6.4% |
| Operating cash flow | $656.00M | $947.00M | $1.11B | $741.00M | $310.00M | -30.7% |
| Capital expenditure | -$2.00M | -$8.00M | -$5.00M | -$4.00M | -$3.00M | +75.0% |
| Investing cash flow | -$493.00M | -$674.00M | -$403.00M | -$556.00M | -$58.00M | +26.9% |
| Share buybacks | -$179.00M | -$103.00M | -$60.00M | $0 | -$42.00M | -73.8% |
| Dividends paid | -$133.00M | -$133.00M | -$134.00M | -$133.00M | -$125.00M | 0.0% |
| Financing cash flow | -$384.00M | -$302.00M | -$246.00M | -$200.00M | -$225.00M | -27.2% |
| Free cash flow | $654.00M | $939.00M | $1.11B | $737.00M | $307.00M | -30.4% |
| End cash position | $1.21B | $1.43B | $1.46B | $995.00M | $1.01B | -15.4% |
Options analytics
Put / call volume
0.13
Call-heavy session
Put / call open interest
0.08
Positioning, not flow
Max pain
165.00
+1.2% from spot
ATM implied vol
22.5%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
93
Contracts, this expiry
Put volume
12
Contracts, this expiry
Heaviest call OI
170.00
689 contracts
Heaviest put OI
160.00
25 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.82 | 1.43 | -21.3% |
| Mar 2026 | 1.94 | 2.10 | +8.2% |
| Dec 2025 | 2.89 | 3.37 | +16.6% |
| Sep 2025 | 2.06 | 2.85 | +38.4% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 2.00 | 8 | $3.03B | -18.7% |
| Next quarter | 2.93 | 7 | $3.06B | -1.0% |
| Current year | 8.50 | 8 | $13.23B | +4.7% |
| Next year | 9.06 | 8 | $12.61B | -4.6% |
Analyst targets & ownership
Mean target$191.00
High target$200.00
Low target$177.00
Implied upside17.12%
Analyst count6
ConsensusBUY
Strong buy / Buy0 / 2
Hold6
Sell / Strong sell0 / 0
Held by insiders1.73%
Held by institutions74.04%
Institutions holding1.27K
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
161.92
+0.72% from price
SMA 20
165.69
-1.58% from price
SMA 50
170.41
-4.30% from price
SMA 100
171.84
-5.10% from price
SMA 200
167.42
-2.59% from price
EMA 12
163.36
-0.17% from price
EMA 26
166.05
-1.79% from price
EMA 50
168.71
-3.34% from price
RSI (14)
39.7
Neutral
MACD (12,26,9)
-2.69
Hist -0.05
ATR (14)
2.44
1.50% of price
Realised vol 30D
14.2%
Annualised
Bollinger upper
173.79
20, 2σ
Bollinger lower
157.59
20, 2σ
50 / 200 cross
Golden
170.41 vs 167.42
Trend bias
Below 200
-2.59%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
-0.01
Less volatile than market
Correlation to SPY
-0.00
Largely independent
Realised vol 30D
14.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-17.0%
Peak to trough
Max drawdown 5Y
-36.6%
Peak to trough
ATR 14
2.44
1.50% of price
Beta (reported)
0.53
5Y monthly, from filing
Short interest
Shares short
3.76M
Prior 3.48M
Change vs prior
+7.9%
Shorts adding
% of float
2.86%
Normal
% of shares out
2.45%
Against total outstanding
Days to cover
8.3
Crowded exit
Float
150.57M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 5, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 30, 26 | B of A Securities | DOWNGRADE | Buy | Neutral |
| Jul 28, 26 | Roth Capital | MAINTAINED | Buy | Buy |
| Jul 15, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 8, 26 | Keefe, Bruyette & Woods | DOWNGRADE | Outperform | Market Perform |
| May 26, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Apr 29, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Apr 28, 26 | Roth Capital | MAINTAINED | Buy | Buy |
| Apr 14, 26 | B of A Securities | MAINTAINED | Buy | Buy |
| Apr 7, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jan 6, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Dec 22, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
Dividends & splits
Forward rate$3.76 / yr
Forward yield2.32%
5-year avg yield2.34%
Payout ratio17.09%
Ex-dividend dateSep 23, 2026
Next pay dateOct 15, 2026
Last split105:100
Split dateApr 4, 2005
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-28
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-08-26
Corporate Changes & Voting Matters
8-K · 2026-08-25
Corporate Changes & Voting Matters
8-K · 2026-08-21
Periodic Financial Reports
10-Q · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-06-22
Annual report of employee stock purchase
11-K · 2026-06-17
Corporate Changes & Voting Matters
8-K · 2026-06-16
Headlines
3 Reasons CINF is Risky and 1 Stock to Buy Instead
StockStory · 13h ago
These 5 Dividend Kings Raised Their Payouts The Most Over The Last Year
24/7 Wall St. · 14h ago
2 Insurance Stocks to Buy With Dividend Streaks Longer Than 50 Years
Motley Fool · 4d ago
CINF to Benefit From Strong Premium Growth and Investment Income
Zacks · 5d ago
AIZ Stock Gains 20.1% in a Year: What Should Investors Know?
Zacks · 5d ago
BofA Securities Adjusts Cincinnati Financial Price Target to $187 From $193
MT Newswires · 6d ago
BMO Capital Adjusts Price Target on Cincinnati Financial to $200 From $198, Keeps Outperform Rating
MT Newswires · 6d ago
MCY Outperforms Industry in a Year: Time to Buy the Stock for Solid Returns?
Zacks · 12d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.