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 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.
Shares free to trade
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 position | Salary | Stock awards | Option awards | Cash incentive | Other pay | Total pay |
|---|---|---|---|---|---|---|
| Steven J. Johnston Executive Chairman of the Board and former Chief Executive Officer Cincinnati Financial Corporation | 513.75K USD | 804.76K USD | 774.40K USD | 309.75K USD | — | 373.78K USD |
| Michael J. Sewell Chief Financial Officer, Executive Vice President and Treasurer Cincinnati Financial Corporation | 1.07M USD | 1.15M USD | 1.01M USD | 404.38K USD | — | 313.80K USD |
| Teresa C. Cracas Chief Risk Officer and Executive Vice President The Cincinnati Insurance Company | 681.35K USD | 728.44K USD | 641.91K USD | 256.75K USD | — | 189.76K USD |
| John S. Kellington Chief Information Officer and Executive Vice President The Cincinnati Insurance Company | 748.30K USD | 799.74K USD | 704.96K USD | 281.98K USD | — | 184.49K USD |
| Stephen M. Spray President and Chief Executive Officer Cincinnati Financial Corporation | 1.13M USD | 1.77M USD | 1.70M USD | 681.45K USD | 619.82K USD | 40.03K 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
