CINFCincinnati Financial

Financials · Property & Casualty Insurance · Nasdaq

We are an Ohio corporation formed in 1968. 10-K, Item 1

Employees: 5,705
Headquarters: Fairfield, OH
CEO: Stephen M. Spray
Next results: around Feb 8, 2027

What the 10-K filed 2026-02-23 says about risks that are not on the face of the balance sheet, from the notes to the financial statements, Legal Proceedings and the MD&A (and, for big customers and key suppliers, Business and Risk Factors). Tickdelta picks sentences with specifics (amounts, accruals, covenant ratios) and quotes them as filed. New marks a sentence with nothing like it in the 10-K filed 2025-02-24.

Big customers

Customers the company names as a large share of revenue or receivables (it must name any worth 10% of revenue).

No specific sentence about this in the 10-K.

Key suppliers

Parts or manufacturing that depend on one or a few suppliers.

No specific sentence about this in the 10-K.

Lawsuits and legal claims

Pending cases, settlements and what the company has set aside for them.

“Additionally, a headquarters supervisor and regional claims manager review claims under $100,000 if litigation or a certain specialty claim is involved.”
Read it in the 10-K ↗

Guarantees and indemnities

Promises to pay someone else's debts or losses if they cannot.

No specific sentence about this in the 10-K.

Debt covenants

2 new

Conditions in loan agreements that, if broken, can make debt due early.

New “The debt-to-total-capital ratio covenant threshold remains at 35%.”
Read it in the 10-K ↗

“At year-end 2025, we were in compliance with all covenants under the credit agreement and believe we will remain in compliance.”
Read it in the 10-K ↗

New “Failure to comply with covenants and other requirements under our credit facilities, senior debt, and other debt obligations”
Read it in the 10-K ↗

Commitments off the balance sheet

Contracts the company must pay for later: purchase obligations, take-or-pay deals.

No specific sentence about this in the 10-K.

Sentences are chosen by their words, not read by AI, so some can be off topic. Always check the filing. Open the 10-K ↗

Work on CINF in a spreadsheet: Excel workbook (a sheet per section, ten years by column, charts, links to the filings) · CSV. For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/CINF/export.csv") into a cell.