CINF

Cincinnati Financial
D

CINF

Arincen75/100B

Cincinnati Financial company profile

CEO
Stephen Michael Spray
Employees
5,705
Headquarters
6200 South Gilmore Road, Fairfield, OH 45014-5141, US
Sector
Financial Services
Industry
Insurance - Property & Casualty
IPO date
17 Mar 1980
Stock exchange
NASDAQ
ISIN
US1720621010

Website:cinfin.com

About the company

Cincinnati Financial Corporation, operating through its various subsidiaries, delivers a range of property and casualty insurance offerings across the United States. Its operations are organized into five distinct divisions: Commercial Lines, Personal Lines, Excess and Surplus Lines, Life Insurance, and Investments. The Commercial Lines division safeguards businesses against risks such as commercial casualty, property damage, vehicle incidents, and workers' compensation claims; it also offers specialized protection including director and officer liability, various surety and fidelity bonds, and coverage for machinery and equipment. For individual clients, the Personal Lines segment provides essential coverages like personal auto and homeowner policies, alongside dwelling fire, inland marine, personal umbrella liability, and watercraft protection. The Excess and Surplus Lines segment specializes in commercial casualty insurance, protecting companies from third-party liabilities stemming from on-site incidents, operational activities, or product-related injuries; this segment also delivers commercial property insurance, securing assets like buildings, inventory, and equipment, as well as business income, against a broad spectrum of perils including fire, wind, hail, water damage, theft, and vandalism. Through its Life Insurance division, the company offers a comprehensive suite of life policies, encompassing term life, universal life, worksite-based term life, and whole life insurance options. The Investments segment manages a portfolio including fixed-maturity assets like taxable and tax-exempt bonds, along with redeemable preferred stocks, and equity holdings such as common and non-redeemable preferred stocks. Beyond insurance, Cincinnati Financial Corporation extends its services to include commercial leasing and financing, as well as insurance brokerage. Established in 1950, Cincinnati Financial Corporation's corporate headquarters are situated in Fairfield, Ohio.

Employees

Cincinnati Financial had about 5,705 employees at the end of fiscal year 2025 (31 December 2025), by its annual report. That is 1.4% more than a year before.

Employees Change on the year
Fiscal yearEmployeesChange on the yearRevenue per employeeNet income per employee
FY20255,705+1.44%2.21M USD419.46K USD
FY20245,624+3.65%2.02M USD407.54K USD
FY20235,426+5.40%1.85M USD339.66K USD
FY20225,148-0.35%1.27M USD-94.60K USD
FY20215,166-1.90%1.86M USD574.53K USD
FY20205,266+2.29%1.43M USD230.92K USD
FY20195,148+2.98%1.54M USD387.92K USD
FY20184,999+1.50%1.08M USD57.41K USD
FY20174,925+3.60%1.16M USD212.18K USD
FY20164,754+5.81%1.15M USD124.32K USD
FY20154,493+4.37%1.14M USD141.11K USD
FY20144,305+3.41%1.15M USD121.95K USD
FY20134,163+2.61%1.09M USD124.19K USD
FY20124,057-0.25%1.01M USD103.77K USD
FY20114,067+0.17%935.09K USD40.32K USD
FY20104,060-2.64%929.06K USD92.36K USD
FY20094,170-0.22%935.97K USD103.60K USD
FY20084,179+2.25%915.05K USD102.66K USD
FY20074,087+0.96%1.04M USD209.20K USD
FY20064,048+1.63%1.12M USD229.74K USD
FY20053,983+2.55%945.77K USD151.14K USD
FY20043,884+4.41%930.48K USD150.36K USD
FY20033,720+5.95%855.11K USD100.54K USD
FY20023,511+6.43%809.74K USD67.79K USD
FY20013,299+6.21%776.30K USD58.50K USD
FY20003,106—750.48K USD37.99K USD
FY19990———
FY19980———
FY19970-100.00%——
FY19961-99.96%1.81B USD223.76M USD
FY19952,289+8.48%723.31K USD99.32K USD
FY19942,110+105,400.00%716.83K USD95.37K USD
FY19932—721.08M USD108.01M USD

Employees at each fiscal year end, as the company reports them in its annual report (10-K); revenue and net income per employee are the fiscal year's over that count.

Who owns Cincinnati Financial

Institutions such as funds, banks and insurers held 75.6% of Cincinnati Financial's shares on 30 June 2026, 976 of them reporting holdings to the SEC; the rest is held by individual investors and other shareholders.

Institutions 75.6%Other shareholders 24.4%

Shares free to trade

Free float 150.57M shares ·98.1% Closely held 2.94M shares ·1.9%

Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.

How Cincinnati Financial pays its executives

The chief executive was paid 373.78K USD for fiscal 2025, 423% of it in shares and options.

Name and positionSalaryStock awardsOption awardsCash incentiveOther payTotal pay
Steven J. Johnston Executive Chairman of the Board and former Chief Executive Officer Cincinnati Financial Corporation513.75K USD804.76K USD774.40K USD309.75K USD—373.78K USD
Michael J. Sewell Chief Financial Officer, Executive Vice President and Treasurer Cincinnati Financial Corporation1.07M USD1.15M USD1.01M USD404.38K USD—313.80K USD
Teresa C. Cracas Chief Risk Officer and Executive Vice President The Cincinnati Insurance Company681.35K USD728.44K USD641.91K USD256.75K USD—189.76K USD
John S. Kellington Chief Information Officer and Executive Vice President The Cincinnati Insurance Company748.30K USD799.74K USD704.96K USD281.98K USD—184.49K USD
Stephen M. Spray President and Chief Executive Officer Cincinnati Financial Corporation1.13M USD1.77M USD1.70M USD681.45K USD619.82K USD40.03K USD

FY2025 · From the company's proxy statements to the SEC: what each named executive was paid for the fiscal year, shares and options at their value when granted. The latest filing

Common questions about Cincinnati Financial

Source: Financial Modeling Prep