(CINF) Cincinnati Financial - Ratings and Ratios
Commercial Property, Commercial Auto, Workers Comp, Personal Auto, Homeowner
CINF EPS (Earnings per Share)
CINF Revenue
Description: CINF Cincinnati Financial
Cincinnati Financial Corporation (NASDAQ:CINF) is a U.S.-based insurer offering a diversified suite of property-casualty and life insurance products across five operating segments: Commercial Lines, Personal Lines, Excess & Surplus Lines, Life Insurance, and Investments.
The Commercial Lines segment underwrites commercial property, casualty, auto, workers’ compensation, and specialty surety and fidelity bonds. The Personal Lines business provides auto, homeowners, and ancillary coverages such as dwelling fire, inland marine, umbrella liability, and watercraft. Excess & Surplus Lines focuses on higher-limit commercial casualty and property policies, including professional liability and errors-and-omissions coverage. The Life segment sells term, universal, whole-life, and annuity products, while the Investments arm holds a mix of taxable and tax-exempt bonds, preferred equity, and common stock, supplementing earnings with fixed-income returns.
Key performance indicators from the most recent fiscal year show a combined ratio of roughly 92.5% (indicating underwriting profitability), a return on equity near 13%, and a dividend yield around 2.5%. Net written premiums grew about 5% year-over-year, driven largely by price-rate actions in a hardening market. Book value per share sits near $70, providing a cushion for future growth or dividend increases.
Sector-level drivers that materially affect CINF include the prevailing interest-rate environment (which influences investment income from its bond portfolio), the frequency and severity of natural-catastrophe losses, and construction-cost inflation that can raise claim sizes for property policies. Additionally, the broader hardening trend in U.S. property-casualty insurance-where capacity is tightening and pricing is rising-offers upside potential for insurers with strong underwriting discipline.
For a deeper dive into CINF’s valuation metrics and scenario analysis, the ValueRay platform offers a concise, data-rich view worth exploring.
CINF Stock Overview
| Market Cap in USD | 23,929m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1990-03-26 |
CINF Stock Ratings
| Growth Rating | 73.5% |
| Fundamental | 73.0% |
| Dividend Rating | 64.2% |
| Return 12m vs S&P 500 | -1.97% |
| Analyst Rating | 3.63 of 5 |
CINF Dividends
| Dividend Yield 12m | 2.19% |
| Yield on Cost 5y | 5.01% |
| Annual Growth 5y | 7.79% |
| Payout Consistency | 96.6% |
| Payout Ratio | 54.4% |
CINF Growth Ratios
| Growth Correlation 3m | 81.5% |
| Growth Correlation 12m | 58.2% |
| Growth Correlation 5y | 68.5% |
| CAGR 5y | 19.74% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.82 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.23 |
| Sharpe Ratio 12m | 0.46 |
| Alpha | -0.10 |
| Beta | 0.730 |
| Volatility | 27.43% |
| Current Volume | 478.8k |
| Average Volume 20d | 476k |
| Stop Loss | 151.6 (-3%) |
| Signal | 0.83 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (1.82b TTM) > 0 and > 6% of Revenue (6% = 700.3m TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA 0.05pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 1.17% (prev -65.48%; Δ 66.65pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 2.60b > Net Income 1.82b (YES >=105%, WARN >=100%) |
| Net Debt (-136.0m) to EBITDA (2.45b) ratio: -0.06 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.16 (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 0.19% (target <= -2.0% for YES) |
| Gross Margin 57.47% (prev 99.76%; Δ -42.28pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 31.70% (prev 30.59%; Δ 1.11pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 43.38 (EBITDA TTM 2.45b / Interest Expense TTM 53.0m) >= 6 (WARN >= 3) |
Altman Z'' 2.37
| (A) 0.00 = (Total Current Assets 995.0m - Total Current Liabilities 859.0m) / Total Assets 38.84b |
| (B) 0.39 = Retained Earnings (Balance) 15.19b / Total Assets 38.84b |
| (C) 0.06 = EBIT TTM 2.30b / Avg Total Assets 36.82b |
| (D) 0.63 = Book Value of Equity 15.34b / Total Liabilities 24.54b |
| Total Rating: 2.37 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 73.03
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 10.88% = 5.0 |
| 3. FCF Margin 22.17% = 5.54 |
| 4. Debt/Equity 0.06 = 2.50 |
| 5. Debt/Ebitda -0.06 = 2.50 |
| 6. ROIC - WACC (= 4.02)% = 5.02 |
| 7. RoE 13.06% = 1.09 |
| 8. Rev. Trend 50.30% = 3.77 |
| 9. EPS Trend -27.95% = -1.40 |
What is the price of CINF shares?
Over the past week, the price has changed by -1.55%, over one month by +1.03%, over three months by +5.48% and over the past year by +14.12%.
Is Cincinnati Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CINF is around 160.94 USD . This means that CINF is currently overvalued and has a potential downside of 2.98%.
Is CINF a buy, sell or hold?
- 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 | 167.8 | 7.4% |
| Analysts Target Price | 167.8 | 7.4% |
| ValueRay Target Price | 179.4 | 14.8% |
Last update: 2025-10-20 03:48
CINF Fundamental Data Overview
P/E Trailing = 13.283
P/E Forward = 18.8679
P/S = 2.0501
P/B = 1.7551
P/EG = -158.72
Beta = 0.73
Revenue TTM = 11.67b USD
EBIT TTM = 2.30b USD
EBITDA TTM = 2.45b USD
Long Term Debt = 790.0m USD (from longTermDebt, last quarter)
Short Term Debt = 859.0m USD (from shortTermDebt, last quarter)
Debt = 859.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -136.0m USD (from netDebt column, last quarter)
Enterprise Value = 23.79b USD (23.93b + Debt 859.0m - CCE 995.0m)
Interest Coverage Ratio = 43.38 (Ebit TTM 2.30b / Interest Expense TTM 53.0m)
FCF Yield = 10.88% (FCF TTM 2.59b / Enterprise Value 23.79b)
FCF Margin = 22.17% (FCF TTM 2.59b / Revenue TTM 11.67b)
Net Margin = 15.59% (Net Income TTM 1.82b / Revenue TTM 11.67b)
Gross Margin = 57.47% ((Revenue TTM 11.67b - Cost of Revenue TTM 4.96b) / Revenue TTM)
Gross Margin QoQ = 48.89% (prev 23.30%)
Tobins Q-Ratio = 0.61 (Enterprise Value 23.79b / Total Assets 38.84b)
Interest Expense / Debt = 1.63% (Interest Expense 14.0m / Debt 859.0m)
Taxrate = 19.88% (170.0m / 855.0m)
NOPAT = 1.84b (EBIT 2.30b * (1 - 19.88%))
Current Ratio = 1.16 (Total Current Assets 995.0m / Total Current Liabilities 859.0m)
Debt / Equity = 0.06 (Debt 859.0m / totalStockholderEquity, last quarter 14.30b)
Debt / EBITDA = -0.06 (Net Debt -136.0m / EBITDA 2.45b)
Debt / FCF = -0.05 (Net Debt -136.0m / FCF TTM 2.59b)
Total Stockholder Equity = 13.94b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.69% (Net Income 1.82b / Total Assets 38.84b)
RoE = 13.06% (Net Income TTM 1.82b / Total Stockholder Equity 13.94b)
RoCE = 15.61% (EBIT 2.30b / Capital Employed (Equity 13.94b + L.T.Debt 790.0m))
RoIC = 12.47% (NOPAT 1.84b / Invested Capital 14.77b)
WACC = 8.45% (E(23.93b)/V(24.79b) * Re(8.71%) + D(859.0m)/V(24.79b) * Rd(1.63%) * (1-Tc(0.20)))
Discount Rate = 8.71% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
[DCF Debug] Terminal Value 77.42% ; FCFE base≈2.47b ; Y1≈2.74b ; Y5≈3.55b
Fair Price DCF = 348.8 (DCF Value 54.55b / Shares Outstanding 156.4m; 5y FCF grow 12.25% → 3.0% )
EPS Correlation: -27.95 | EPS CAGR: -41.57% | SUE: -4.0 | # QB: 0
Revenue Correlation: 50.30 | Revenue CAGR: 35.45% | SUE: 0.91 | # QB: 1
Additional Sources for CINF Stock
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