CINF Stock Analysis: Cincinnati Financial | NASDAQ
Insurance - Property & Casualty | NASDAQ, USA | Market Cap: 26.684m USD | 12M Return: 16.5% | US1720621010 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 136M
EPS Trend: 66.4%
Qual. Beats: 0
Rev. Trend: 92.9%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Cincinnati Financial Corporation is a U.S.-based property casualty insurance holding company operating through five segments: Commercial Lines, Personal Lines, Excess and Surplus Lines, Life Insurance, and Investments. Its core business spans commercial and personal property and casualty coverage, including commercial auto, workers compensation, homeowners, and personal auto, alongside specialty excess and surplus lines for harder-to-place risks. The company also writes life insurance and annuities, manages a sizable investment portfolio of fixed-maturity and equity securities, and provides commercial leasing, financing, and insurance brokerage services.
Founded in 1950 and headquartered in Fairfield, Ohio, the company has historically been known for distributing its products primarily through independent agents, a model common among U.S. regional property and casualty insurers. In the property and casualty industry, the investment segment plays a meaningful role because premiums collected before claims are paid-commonly referred to as float-can be invested to generate income that supplements underwriting results.
- Commercial Lines premium growth accelerates on sustained pricing increases
- Investment income surges as higher rates lift fixed maturity yields
- Catastrophe losses and reserve development drive combined ratio volatility
| Net Income: 3.33b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 1.26 > 1.0 |
| NWC/Revenue: 135.8% < 20% (prev -96.86%; Δ 232.6% < -1%) |
| CFO/TA 0.08 > 3% & CFO 3.42b > Net Income 3.33b |
| Net Debt (-33.1b) to EBITDA (4.37b): -7.58 < 3 |
| Current Ratio: 1.90 > 1.5 & < 3 |
| Outstanding Shares: last quarter (155.9m) vs 12m ago -1.20% < -2% |
| Gross Margin: 52.34% > 18% (prev 44.00%; Δ 8.34% > 0.5%) |
| Asset Turnover: 34.07% > 50% (prev 30.05%; Δ 4.02% > 0%) |
| Interest Coverage Ratio: 79.40 > 6 (EBIT TTM 4.21b / Interest Expense TTM 53.0m) |
| A: 0.44 (Total Current Assets 40.0b - Total Current Liabilities 21.1b) / Total Assets 43.1b |
| B: 0.42 (Retained Earnings 18.0b / Total Assets 43.1b) |
| C: 0.10 (EBIT TTM 4.21b / Avg Total Assets 41.0b) |
| D: 0.63 (Book Value of Equity 16.7b / Total Liabilities 26.5b) |
| Altman-Z'' = 5.60 = AAA |
| DSRI: 0.82 (Receivables 4.43b/4.51b, Revenue 14.0b/11.7b) |
| GMI: 0.84 (GM 44.00% / 52.34%) |
| AQI: 0.08 (AQ_t 0.07 / AQ_t-1 0.82) |
| SGI: 1.20 (Revenue 14.0b / 11.7b) |
| TATA: -0.00 (NI 3.33b - CFO 3.42b) / TA 43.1b) |
| Beneish M = -3.72 (Cap -4..+1) = AAA |
As of August 13, 2026, the stock is trading at USD 172.47 with a total of 385,024 shares traded. Over the past week, the price has changed by -2.99%, over one month by -5.58%, over three months by +5.88% and over the past year by +16.48%.
Current recommended Stop Loss: 164.40 (which is 4.7% or 1.8 ATR below the current price).
Cincinnati Financial has received a consensus analysts rating of 3.63. Therefore, it is recommended to hold CINF.
- StrongBuy: 1
- Buy: 3
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 191.7 | 11.1% |
P/E Trailing = 8.3506
P/E Forward = 19.7628
P/S = 1.9051
P/B = 1.6002
P/EG = 2.1896
Revenue TTM = 14.0b USD
EBIT TTM = 4.21b USD
EBITDA TTM = 4.37b USD
Long Term Debt = 790.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 17.0m USD (from shortTermDebt, last quarter)
Debt = 944.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 68.0m
Net Debt = -33.1b USD (calculated: Debt 944.0m - CCE 34.0b)
Enterprise Value = 26.7b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 79.40 (Ebit TTM 4.21b / Interest Expense TTM 53.0m)
EV/FCF = 7.82x (Enterprise Value 26.7b / FCF TTM 3.41b)
FCF Yield = 12.79% (FCF TTM 3.41b / Enterprise Value 26.7b)
FCF Margin = 24.47% (FCF TTM 3.41b / Revenue TTM 14.0b)
Net Margin = 23.84% (Net Income TTM 3.33b / Revenue TTM 14.0b)
Gross Margin = 52.34% ((Revenue TTM 14.0b - Cost of Revenue TTM 6.65b) / Revenue TTM)
Gross Margin QoQ = 55.85% (prev 38.84%)
Tobins Q-Ratio = 0.62 (Enterprise Value 26.7b / Total Assets 43.1b)
Interest Expense / Debt = 5.61% (Interest Expense 53.0m / Debt 944.0m)
Taxrate = 19.93% (828.0m / 4.16b)
NOPAT = 3.37b (EBIT 4.21b * (1 - 19.93%))
Current Ratio = 1.90 (Total Current Assets 40.0b / Total Current Liabilities 21.1b)
Debt / Equity = 0.06 (Debt 944.0m / totalStockholderEquity, last quarter 16.7b)
Debt / EBITDA = -7.58 (Net Debt -33.1b / EBITDA 4.37b)
Debt / FCF = -9.69 (Net Debt -33.1b / FCF TTM 3.41b)
Total Stockholder Equity = 15.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.12% (Net Income 3.33b / Total Assets 43.1b)
RoE = 20.89% (Net Income TTM 3.33b / Total Stockholder Equity 15.9b)
RoCE = 25.17% (EBIT 4.21b / Capital Employed (Equity 15.9b + L.T.Debt 790.0m))
RoIC = 15.81% (NOPAT 3.37b / Invested Capital 21.3b)
WACC = 6.63% (E(26.7b)/V(27.6b) * Re(6.71%) + D(944.0m)/V(27.6b) * Rd(5.61%) * (1-Tc(0.20)))
Discount Rate = 6.71% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -57.20 | Cagr: -0.57%
[DCF] Terminal Value 77.97% ; FCFF base≈3.08b ; Y1≈3.53b ; Y5≈5.20b
[DCF] Fair Price = 725.7 (EV 78.3b - Net Debt -33.1b = Equity 111b / Shares 153.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 66.36 | EPS CAGR: 20.46% | SUE: -0.33 | # QB: 0
Revenue Correlation: 92.93 | Revenue CAGR: 11.61% | SUE: 3.17 | # QB: 1
EPS current Quarter (2026-09-30): EPS=1.89 | Chg30d=+0.07% | Revisions=+40% | Analysts=7
EPS current Year (2026-12-31): EPS=8.44 | Chg30d=-3.90% | Revisions=+57% | GrowthEPS=+6.2% | GrowthRev=+4.7%
EPS next Year (2027-12-31): EPS=9.03 | Chg30d=-1.81% | Revisions=+40% | GrowthEPS=+7.0% | GrowthRev=-4.6%
[Analyst] Revisions Ratio: +73% (up=8, down=0)