Cincinnati Financial Corporation is classed by the SEC under Fire, Marine & Casualty Insurance (industry code 6331), based in Fairfield, OH. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $13 billion and a profit of $2.4 billion (its filed statements).
Insurance businessFire, Marine & Casualty InsuranceFairfield, OHfilings since 19949 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6331, Fire, Marine & Casualty Insurance); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.3 out of ten, 9 of 9 metrics filed: past 6.1 out of ten, present 6.5 out of ten, future 6.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.3 out of ten. No warning events in its filings since 2017. 73rd percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 4.3 out of ten. +9.8% a year over 10 filed years; profitable in 9 of 10. 44th percentile among 56 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 6.1 out of ten. Share count shrank 0.2% a year. 24% of cash flow returned. Insiders: 1 sales, 4 purchases. 61st percentile among 49 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 6.3 out of ten. ROE 15%: 15¢ of profit per shareholder dollar. Leverage 61%: owes 61¢ per asset dollar. 63rd percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 7.4 out of ten. top 26% of 60 in its family; net margin 18.9%. 74th percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.7 out of ten. top 43% of 47 in its family for leadership; chief executive since 2024. 57th percentile among 47 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 5.9 out of ten. top 41% of 60 in its family for room to expand. 59th percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 7.7 out of ten. top 23% of 56 in its family for growth drivers. 77th percentile among 56 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 4.7 out of ten. bottom 47% of 56 in its family for expectations against reality. 47th percentile among 56 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-23 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-27 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-27 (on EDGAR). Newest filing: Form 8-K, 2026-09-28. Filings on record since 1994. Read from EDGAR 2026-10-12.
Who runs it
Spray, Stephen M (President & CEO); Johnston, Steven J (Chairman); Chapel, Dawn Shannon (Senior Vice President - Sub); Delaney, Angela Ossello (Senior Vice President- Sub); Givler, Sean Michael (Exec Vice President - Sub); Schuler, Scott Alan (Senior Vice President - Sub); Swisher, Chet Hogan (Senior Vice President - Sub); Van, Den Heuvel Will H (Exec Vice President - Sub); Sandercox, Robert Philip (Senior Vice President-Sub); Schnell, Andrew Michael (Senior Vice President-Sub); and 22 more. 32 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
Every stock is a company. We grade the company behind the stock. CrossAssetData is a company research product: no investment advice, no price targets, no price predictions; every claim carries its source, and unseen means unseen. The full file draws when the page's script runs: the essentials, the balance sheet, the estimators, the trend, and every filing of the last ten years.