Overview Dividends

(CINF) Cincinnati Financial - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US1720621010

Property, Casualty, Life, Bonds, Annuities

Property & Casualty Insurance
Market Cap in USD: 25,938m

IPO / Inception: 1990-03-26
Return 12m vs S&P 500: -0.81%

EPS (Earnings per Share)

EPS CAGR: 10.35%
EPS Trend: 16.6%

Last SUE: 2.87
Qual. Beats: 4

Revenue

Rev. CAGR: 3.10%
Rev. Trend: 56.5%

Last SUE: 1.81
Qual. Beats: 2

Dividends

Dividend Yield	2.11%
Yield on Cost 5y	4.51%
Yield CAGR 5y	7.79%
Payout Consistency	92.2%
Payout Ratio	45.1%

Risk via 5d forecast
Volatility	21.5%
Value at Risk 5%th	34.5%
Relative Tail Risk	-2.29%

Reward TTM
Sharpe Ratio	0.57
Alpha	5.40
CAGR/Max DD	0.85

Character TTM
Hurst Exponent	0.476
Beta	0.633
Beta Downside	0.701

Drawdowns 3y
Max DD	24.08%
Mean DD	8.81%
Median DD	7.17%

Description: CINF Cincinnati Financial December 17, 2025

Cincinnati Financial Corp. (NASDAQ:CINF) is a U.S.-based property-casualty insurer that operates through five distinct segments: Commercial Lines (covering commercial property, casualty, auto, workers’ comp, bonds and liability products), Personal Lines (auto, homeowners, umbrella, inland marine and watercraft), Excess & Surplus Lines (high-limit commercial liability and property coverages), Life Insurance (term, universal, whole life, worksite policies and annuities), and Investments (fixed-income, preferred equity and common equity holdings). The firm also provides commercial leasing, financing, and brokerage services from its headquarters in Fairfield, Ohio.

Key performance indicators as of the most recent quarter show a combined ratio of 93.7%-well below the industry average of ~96%-indicating disciplined underwriting. Return on equity (ROE) sits near 12.5%, and the company pays a dividend yield of roughly 2.8%, supported by a strong balance sheet with a book-value-per-share of $84. Recent earnings were buoyed by higher commercial auto premiums and a modest rebound in investment income as the Federal Reserve’s rate hikes lifted bond yields. Primary economic drivers include U.S. inflation-linked construction costs (which raise commercial property exposure), the frequency of severe weather events in the Midwest, and the prevailing low-interest-rate environment that pressures insurers’ investment portfolios.

For a deeper quantitative dive-including scenario-based loss-ratio forecasts and peer-adjusted valuation multiples-check out the detailed analysis on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (2.12b TTM) > 0 and > 6% of Revenue (6% = 724.7m TTM)

FCFTA 0.07 (>2.0%) and ΔFCFTA -0.00pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 4.98% (prev -62.19%; Δ 67.17pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.07 (>3.0%) and CFO 2.81b > Net Income 2.12b (YES >=105%, WARN >=100%)

Net Debt (-577.0m) to EBITDA (2.81b) ratio: -0.21 <= 3.0 (WARN <= 3.5)

Current Ratio 1.70 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (157.8m) change vs 12m ago 0.06% (target <= -2.0% for YES)

Gross Margin 46.20% (prev 53.84%; Δ -7.64pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 31.14% (prev 32.84%; Δ -1.70pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 50.42 (EBITDA TTM 2.81b / Interest Expense TTM 53.0m) >= 6 (WARN >= 3)

Altman Z'' 2.55

(A) 0.01 = (Total Current Assets 1.46b - Total Current Liabilities 858.0m) / Total Assets 40.57b

(B) 0.40 = Retained Earnings (Balance) 16.18b / Total Assets 40.57b

(D) 0.66 = Book Value of Equity 16.49b / Total Liabilities 25.16b

Total Rating: 2.55 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 79.46

1. Piotroski 5.0pt

2. FCF Yield 11.51%

3. FCF Margin 23.21%

4. Debt/Equity 0.06

5. Debt/Ebitda -0.21

6. ROIC - WACC (= 5.89)%

7. RoE 14.80%

8. Rev. Trend 56.53%

9. EPS Trend 16.64%

What is the price of CINF shares?

As of December 30, 2025, the stock is trading at USD 164.79 with a total of 266,621 shares traded.
Over the past week, the price has changed by -1.30%, over one month by -1.16%, over three months by +5.94% and over the past year by +17.78%.

Is CINF a buy, sell or hold?

Cincinnati Financial has received a consensus analysts rating of 3.63. Therefor, it is recommend to hold CINF.

Strong Buy: 1
Buy: 3
Hold: 4
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the CINF price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	173.8	5.5%
Analysts Target Price	173.8	5.5%
ValueRay Target Price	192.4	16.7%

CINF Fundamental Data Overview December 27, 2025

Market Cap USD = 25.94b (25.94b USD * 1.0 USD.USD)
P/E Trailing = 12.3415
P/E Forward = 19.4932
P/S = 2.1476
P/B = 1.6798
P/EG = -158.72
Beta = 0.695
Revenue TTM = 12.08b USD
EBIT TTM = 2.67b USD
EBITDA TTM = 2.81b USD
Long Term Debt = 790.0m USD (from longTermDebt, last quarter)
Short Term Debt = 25.0m USD (from shortTermDebt, last quarter)
Debt = 883.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -577.0m USD (from netDebt column, last quarter)
Enterprise Value = 24.36b USD (25.94b + Debt 883.0m - CCE 2.46b)
Interest Coverage Ratio = 50.42 (Ebit TTM 2.67b / Interest Expense TTM 53.0m)
FCF Yield = 11.51% (FCF TTM 2.80b / Enterprise Value 24.36b)
FCF Margin = 23.21% (FCF TTM 2.80b / Revenue TTM 12.08b)
Net Margin = 17.57% (Net Income TTM 2.12b / Revenue TTM 12.08b)
Gross Margin = 46.20% ((Revenue TTM 12.08b - Cost of Revenue TTM 6.50b) / Revenue TTM)
Gross Margin QoQ = 58.67% (prev 48.89%)
Tobins Q-Ratio = 0.60 (Enterprise Value 24.36b / Total Assets 40.57b)
Interest Expense / Debt = 1.47% (Interest Expense 13.0m / Debt 883.0m)
Taxrate = 20.59% (291.0m / 1.41b)
NOPAT = 2.12b (EBIT 2.67b * (1 - 20.59%))
Current Ratio = 1.70 (Total Current Assets 1.46b / Total Current Liabilities 858.0m)
Debt / Equity = 0.06 (Debt 883.0m / totalStockholderEquity, last quarter 15.41b)
Debt / EBITDA = -0.21 (Net Debt -577.0m / EBITDA 2.81b)
Debt / FCF = -0.21 (Net Debt -577.0m / FCF TTM 2.80b)
Total Stockholder Equity = 14.34b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.23% (Net Income 2.12b / Total Assets 40.57b)
RoE = 14.80% (Net Income TTM 2.12b / Total Stockholder Equity 14.34b)
RoCE = 17.66% (EBIT 2.67b / Capital Employed (Equity 14.34b + L.T.Debt 790.0m))
RoIC = 14.00% (NOPAT 2.12b / Invested Capital 15.15b)
WACC = 8.11% (E(25.94b)/V(26.82b) * Re(8.35%) + D(883.0m)/V(26.82b) * Rd(1.47%) * (1-Tc(0.21)))
Discount Rate = 8.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
[DCF Debug] Terminal Value 78.65% ; FCFE base≈2.71b ; Y1≈2.99b ; Y5≈3.89b
Fair Price DCF = 408.5 (DCF Value 63.74b / Shares Outstanding 156.0m; 5y FCF grow 12.25% → 3.0% )
EPS Correlation: 16.64 | EPS CAGR: 10.35% | SUE: 2.87 | # QB: 4
Revenue Correlation: 56.53 | Revenue CAGR: 3.10% | SUE: 1.81 | # QB: 2
EPS next Quarter (2026-03-31): EPS=2.01 | Chg30d=+0.000 | Revisions Net=-1 | Analysts=7
EPS next Year (2026-12-31): EPS=8.57 | Chg30d=+0.000 | Revisions Net=+2 | Growth EPS=+17.4% | Growth Revenue=-1.5%

Additional Sources for CINF Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle