CINCINNATI FINANCIAL CORP

CINF 10-K · Q4 2025
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Income Statement

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Income Statement
Metric Q4 2025 Q4 2024 YoY
Premiums Earned Net 2,592 2,365 +9.6%
Show Business Segments breakouts
Commercial Insurance · Operating Segments 1,243 1,160 +7.2%
Consolidated Property And Casualty Insurance Entity 2,508 2,284 +9.8%
Excess and Surplus Lines Insurance · Operating Segments 188 168 +11.9%
Life Insurance Segment 84 81 +3.7%
Life Insurance Segment · Operating Segments 84 81 +3.7%
Personal Insurance · Operating Segments 859 726 +18.3%
Show Consolidation Items breakouts
Corporate Non Segment 218 230 -5.2%
Net Investment Income 305 280 +8.9%
Show Business Segments breakouts
Investments Segment · Operating Segments 305 280 +8.9%
Realized Investment Gains Losses (Q) — — —
Show Investment Type breakouts
Equity Securities 1,440 1,310 +9.9%
Insurance Commissions And Fees 5 4 +25.0%
Show Business Segments breakouts
Commercial Insurance · Operating Segments 1 1 0.0%
Excess and Surplus Lines Insurance · Operating Segments 1 1 0.0%
Life Insurance Segment · Operating Segments 2 1 +100.0%
Personal Insurance · Operating Segments 1 1 0.0%
Other Income 6 5 +20.0%
Show Consolidation Items breakouts
Corporate Non Segment 6 5 +20.0%
Revenue 3,091 2,538 +21.8%
Show Business Segments breakouts
Commercial Insurance · Operating Segments 1,244 1,161 +7.1%
Excess and Surplus Lines Insurance · Operating Segments 189 169 +11.8%
Investments Segment · Operating Segments 488 164 +197.6%
Life Insurance Segment · Operating Segments 86 82 +4.9%
Personal Insurance · Operating Segments 860 727 +18.3%
Show Consolidation Items breakouts
Operating Segments 2,867 2,303 +24.5%
Policyholder Benefits And Claims Incurred Net 1,472 1,330 +10.7%
Show Business Segments breakouts
Commercial Insurance · Operating Segments 721 624 +15.5%
Consolidated Property And Casualty Insurance Entity 1,397 1,255 +11.3%
Excess and Surplus Lines Insurance · Operating Segments 108 112 -3.6%
Life Insurance Segment 75 75 0.0%
Life Insurance Segment · Operating Segments 75 75 0.0%
Personal Insurance · Operating Segments 468 374 +25.1%
Show Consolidation Items breakouts
Corporate Non Segment 100 145 -31.0%
Underwriting Acquisition And Insurance Expenses 759 703 +8.0%
Show Business Segments breakouts
Commercial Insurance · Operating Segments 379 356 +6.5%
Excess and Surplus Lines Insurance · Operating Segments 51 45 +13.3%
Life Insurance Segment · Operating Segments 23 23 0.0%
Personal Insurance · Operating Segments 231 208 +11.1%
Show Consolidation Items breakouts
Corporate Non Segment 75 71 +5.6%
Interest Expense 13 13 0.0%
Other Cost And Expense Operating 7 13 -46.2%
Benefits Losses And Expenses 2,251 2,059 +9.3%
Show Consolidation Items breakouts
Operating Segments 2,056 1,817 +13.2%
Income Before Taxes 840 479 +75.4%
Current Income Tax Expense Benefit 137 156 -12.2%
Deferred Income Taxes 27 -82 +132.9%
Income Tax Expense (Benefit) 164 74 +121.6%
Net Income 676 405 +66.9%
Show Equity Components breakouts
Retained Earnings 676 405 +66.9%
EPS (Basic) 4.33 2.59 +67.2%
EPS (Diluted) 4.29 2.56 +67.6%
Interest Income 224 204 +9.8%
Show Business Segments breakouts
Investments Segment · Operating Segments 32 31 +3.2%
Life Insurance Segment · Operating Segments -32 -31 -3.2%
Comprehensive Income 726 246 +195.1%
Other Comprehensive Income (Q) — — —
Show Equity Components breakouts
Accumulated Defined Benefit Plans Adjustment 10 35 -71.4%
Accumulated Net Unrealized Gain (Loss) on Life Policy Reserves, Reinsurance Recoverable And Other 12 82 -85.4%
Accumulated Net Unrealized Investment Gain Loss 28 -276 +110.1%
Wtd Avg Shares (Basic) -0.2 -0.1 -100.0%
Wtd Avg Shares (Diluted) -0.1 0.1 -200.0%
Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments (Q) — — —
Show Business Segments breakouts
Commercial Insurance · Operating Segments 144 181 -20.4%
Excess and Surplus Lines Insurance · Operating Segments 30 12 +150.0%
Investments Segment · Operating Segments 456 133 +242.9%
Life Insurance Segment · Operating Segments 20 15 +33.3%
Personal Insurance · Operating Segments 161 145 +11.0%
Liability For Unpaid Claims And Claims Adjustment Expense Incurred Claims1 (Q) — — —
Show Product Lines breakouts
Property Liability And Casualty Insurance Segment 1,397 1,255 +11.3%
Gain Loss On Investments (Q) — — —
Show Business Segments breakouts
Investments Segment · Operating Segments 183 -116 +257.8%
Other Expenses (Q) — — —
Show Consolidation Items breakouts
Corporate Non Segment 20 26 -23.1%

Balance Sheet

Balance Sheet
Metric Q4 2025 Q4 2024 YoY
Current Assets
Short-Term Investments 148 298 -50.3%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 148 298 -50.3%
Show Consolidated Entities breakouts
Parent Company 148 298 -50.3%
Cash & Cash Equivalents (Q) — — —
Show Consolidated Entities breakouts
Parent Company 205 167 +22.8%
Non-Current Assets
Equity Securities Fv Ni Current And Noncurrent 12,694 11,185 +13.5%
Show Consolidated Entities breakouts
Parent Company 5,125 4,565 +12.3%
Property, Plant & Equipment 219 214 +2.3%
Show Consolidated Entities breakouts
Parent Company 137 142 -3.5%
Total Assets 41,002 36,501 +12.3%
Show Business Segments breakouts
Investments Segment · Operating Segments 31,199 27,887 +11.9%
Life Insurance Segment · Operating Segments 1,695 1,658 +2.2%
Show Consolidated Entities breakouts
Parent Company 17,766 15,677 +13.3%
Show Consolidation Items breakouts
Corporate Non Segment 1,192 1,029 +15.8%
Operating Segments 6,916 5,927 +16.7%
Goodwill (Q) — — —
Show Business Acquisition breakouts
Cincinnati Global 30 30 0.0%
Other Assets
Other Investments 818 713 +14.7%
Show Consolidated Entities breakouts
Parent Company 34 40 -15.0%
Show Investment Type breakouts
Life Policy Loans 38 36 +5.6%
Other Than Securities Investment 16 16 0.0%
Real Estate Investment 123 94 +30.9%
Venture Capital Funds 641 567 +13.1%
Investments 31,783 28,378 +12.0%
Show Consolidated Entities breakouts
Parent Company 5,397 5,076 +6.3%
Cash And Cash Equivalents Fair Value Disclosure 1,431 983 +45.6%
Accrued Investment Income Receivable 235 222 +5.9%
Show Consolidated Entities breakouts
Parent Company 5 14 -64.3%
Loans And Leases Receivable Net Of Allowance 146 120 +21.7%
Premiums Receivable At Carrying Value 3,142 2,969 +5.8%
Reinsurance Recoverable 655 523 +25.2%
Prepaid Reinsurance Premiums 71 70 +1.4%
Deferred Policy Acquisition Costs 1,344 1,242 +8.2%
Show Product Lines breakouts
Deferred Fixed Annuity 8 8 0.0%
Term Life Insurance 257 245 +4.9%
Universal Life 50 51 -2.0%
Whole Life Insurance 55 52 +5.8%
Show Business Segments breakouts
Consolidated Property And Casualty Insurance Entity 974 886 +9.9%
Life Insurance Segment 370 356 +3.9%
Other Assets 995 828 +20.2%
Show Consolidated Entities breakouts
Parent Company 236 201 +17.4%
Separate Account Assets 981 952 +3.0%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 · Taxable Fixed Maturities 35 — —
Fair Value Inputs Level2 · Taxable Fixed Maturities 872 876 -0.5%
Show Investment Type breakouts
Taxable Fixed Maturities 907 876 +3.5%
Non-Current Liabilities
Deferred Tax Liabilities 1,833 1,476 +24.2%
Total Liabilities 25,091 22,566 +11.2%
Show Consolidated Entities breakouts
Parent Company 1,855 1,742 +6.5%
Long-Term Debt 790 790 0.0%
Show Debt Instrument breakouts
6.125% Senior Notes, Due 2034 372 372 0.0%
6.900% Senior Debentures, Due 2028 27 27 0.0%
6.920% Senior Debentures, Due 2028 391 391 0.0%
Show Consolidated Entities breakouts
Parent Company 790 790 0.0%
Other Liabilities
Available For Sale Securities Debt Securities 18,123 16,182 +12.0%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 313 226 +38.5%
Fair Value Inputs Level1 · US Government Agencies Debt Securities 313 226 +38.5%
Fair Value Inputs Level2 17,810 15,956 +11.6%
Fair Value Inputs Level2 · Corporate Bond Securities 9,711 8,380 +15.9%
Fair Value Inputs Level2 · Foreign Government 24 30 -20.0%
Fair Value Inputs Level2 · Mortgage Backed Securities 797 551 +44.6%
Fair Value Inputs Level2 · US Government Sponsored Enterprises Debt Securities 2,359 2,274 +3.7%
Fair Value Inputs Level2 · US States And Political Subdivisions 4,919 4,721 +4.2%
Show Financial Instrument breakouts
Corporate Bond Securities 9,711 8,380 +15.9%
Foreign Government 24 30 -20.0%
Mortgage Backed Securities 797 551 +44.6%
US Government Agencies Debt Securities 313 226 +38.5%
US Government Sponsored Enterprises Debt Securities 2,359 2,274 +3.7%
US States And Political Subdivisions 4,919 4,721 +4.2%
Show Consolidated Entities breakouts
Parent Company 90 173 -48.0%
Liability For Claims And Claims Adjustments Expense Property Casualty Liability 11,507 10,003 +15.0%
Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense 2,992 2,960 +1.1%
Show Product Lines breakouts
Deferred Fixed Annuity · Investment contract reserves 554 595 -6.9%
Other Longduration Insurance Product Line · Investment contract reserves 109 109 0.0%
Other Longduration Insurance Product Line · Life Policy Reserves 100 98 +2.0%
Structured Settlement Annuity · Investment contract reserves 111 116 -4.3%
Term Life Insurance · Life Policy Reserves 1,103 1,051 +4.9%
Universal Life · Investment contract reserves 589 586 +0.5%
Whole Life Insurance · Life Policy Reserves 426 405 +5.2%
Show Equity Securities By Industry breakouts
Investment contract reserves 1,363 1,406 -3.1%
Life Policy Reserves 1,629 1,554 +4.8%
Unearned Premiums 5,254 4,813 +9.2%
Other Liabilities 1,638 1,487 +10.2%
Show Consolidated Entities breakouts
Parent Company 141 128 +10.2%
Notes Payable 25 25 0.0%
Show Credit Facility breakouts
Revolving Credit Facility 25 25 0.0%
Long Term Debt And Capital Lease Obligations 861 850 +1.3%
Separate Accounts Liability 981 952 +3.0%
Show Product Lines breakouts
Universal Life 981 952 +3.0%
Stockholders' Equity
Common Stock 397 397 0.0%
Show Consolidated Entities breakouts
Parent Company 397 397 0.0%
Additional Paid In Capital Common Stock 1,561 1,502 +3.9%
Show Consolidated Entities breakouts
Parent Company 1,561 1,502 +3.9%
Retained Earnings 16,719 14,869 +12.4%
Show Consolidated Entities breakouts
Parent Company 16,719 14,869 +12.4%
Accumulated Other Comprehensive Income -34 -309 +89.0%
Show Consolidated Entities breakouts
Parent Company -34 -309 +89.0%
Treasury Stock Value -2,732 -2,524 -8.2%
Show Consolidated Entities breakouts
Parent Company -2,732 -2,524 -8.2%
Total Stockholders' Equity 15.91 13,935 -99.9%
Show Equity Components breakouts
Accumulated Defined Benefit Plans Adjustment 66 58 +13.8%
Accumulated Net Unrealized Gain (Loss) on Life Policy Reserves, Reinsurance Recoverable And Other 41 67 -38.8%
Accumulated Net Unrealized Investment Gain Loss -141 -434 +67.5%
Accumulated Other Comprehensive Income -34 -309 +89.0%
Additional Paid In Capital 1,561 1,502 +3.9%
Common Stock 397 397 0.0%
Retained Earnings 16,719 14,869 +12.4%
Treasury Stock Common -2,732 -2,524 -8.2%
Show Consolidated Entities breakouts
Parent Company 15,911 13,935 +14.2%
Total Liabilities & Equity 41,002 36,501 +12.3%
Show Consolidated Entities breakouts
Parent Company 17,766 15,677 +13.3%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q4 2025 YTD Q4 2024 YoY
Operating Activities
Depreciation Amortization And Other 42 15 +180.0%
Gain Loss On Sale Of Investments -170 132 -228.8%
Interest Credited To Policy Owner Account 11 10 +10.0%
Increase Decreasein Premiumsand Reinsurancereceivable 218 90 +142.2%
Increase Decrease In Deferred Policy Acquisition Costs 16 -1 +1700.0%
Increase Decrease In Other Operating Assets -16 -6 -166.7%
Increase Decrease In Liability For Claims And Claims Adjustment Expense Reserve 247 75 +229.3%
Increase Decrease In Future Policy Benefit Reserves 21 15 +40.0%
Increase Decrease In Unearned Premiums -169 -61 -177.0%
Increase Decrease In Other Operating Liabilities 41 79 -48.1%
Increase Decrease In Deferred Income Taxes 3 -29 +110.3%
Net Cash from Operations 947 642 +47.5%
Investing Activities
Proceeds From Sale Of Available For Sale Securities Debt 1,175 848 +38.6%
Proceeds From Sale Of Equity Securities Fv Ni 134 267 -49.8%
Purchases of Investments -1,842 -1,935 +4.8%
Payments To Acquire Equity Securities Fv Ni -90 -39 -130.8%
Payments To Acquire Proceeds From Sale And Collection Of Finance Receivables 0 -5 +100.0%
Capital Expenditures -8 -4 -100.0%
Other Investing Activities -45 -44 -2.3%
Net Cash from Investing -674 -1,207 +44.2%
Capital Lease Obligations Incurred 8 6 +33.3%
Liabilities Assumed1 -231 -459 +49.7%
Financing Activities
Payments Of Dividends Common Stock -133 -125 -6.4%
Share Repurchases -103 -5 -1960.0%
Proceeds From Stock Options Exercised 2 3 -33.3%
Additions To Contract Holders Funds 19 15 +26.7%
Withdrawal From Contract Holders Funds -45 -38 -18.4%
Proceeds From Payments For Other Financing Activities -42 -54 +22.2%
Net Cash from Financing -302 -204 -48.0%
Supplemental
Interest Paid 26 26 0.0%
Income Taxes Paid 121 174 -30.5%
Other Cash Flow
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 1,431 983 +45.6%

Values in millions USD. Source: SEC EDGAR 10-K filing.

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