(CINF) Cincinnati Financial - Overview

Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NASDAQ (USA) | Market Cap: 24.662m USD | Total Return: 24.6% in 12m

Property Insurance, Casualty Insurance, Life Insurance, Bonds, Investments

Total Rating 51

Safety 80

Buy Signal -0.04

Insurance - Property & Casualty
Industry Rotation: -9.2

Market Cap: 24.7B
Avg Turnover: 94.7M USD

ATR: 2.05%
Peers RS (IBD): 75.0

Risk 5d forecast

Volatility21.7%

Rel. Tail Risk-0.70%

Reward TTM

Sharpe Ratio1.21

Alpha11.48

Character TTM

Beta0.522

Beta Downside0.860

Drawdowns 3y

Max DD20.03%

CAGR/Max DD0.86

EPS (Earnings per Share)

EPS CAGR: -23.50%
EPS Trend: 15.1%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 28.12%
Rev. Trend: 72.7%

Last SUE: 0.44
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: CINF Cincinnati Financial

Cincinnati Financial Corporation (NASDAQ:CINF) is a U.S. property-casualty insurer that operates through five segments: Commercial Lines, Personal Lines, Excess & Surplus Lines, Life Insurance, and Investments. The commercial segment provides property, casualty, auto, workers’ compensation, surety and specialty coverages; the personal segment writes auto, homeowners and umbrella policies; the excess & surplus lines unit offers high-limit liability and property solutions; the life unit sells term, universal and whole-life products plus annuities; and the investments arm manages a portfolio of taxable and tax-exempt bonds, preferred and common equity.

In its latest quarter (Q2 2024), CINF reported a combined ratio of 93.5%, indicating underwriting profitability, and net written premiums rose 6% year-over-year to $1.23 billion. The company posted earnings per share of $8.55 and generated a return on equity of 11.2%, both beating consensus estimates. Investment income benefited from a higher-yielding bond market, contributing $210 million to net income.

Key drivers for the sector include sustained interest-rate environments that lift investment yields, while the frequency of severe weather events-particularly in the Midwest and Southeast-continues to pressure loss ratios. Regulatory capital requirements and the ongoing shift toward digital distribution also shape growth prospects for insurers like Cincinnati Financial.

For a deeper dive into CINF’s valuation metrics, you might want to explore ValueRay’s analyst tools.

Headlines to Watch Out For

Property casualty insurance premium growth drives revenue
Investment portfolio performance impacts profitability
Catastrophe losses increase claims and reduce earnings
Interest rate changes affect investment income
Regulatory changes influence underwriting and pricing

Piotroski VR‑10 (Strict) 5.5

Net Income: 2.39b TTM > 0 and > 6% of Revenue
FCF/TA: 0.08 > 0.02 and ΔFCF/TA 0.37 > 1.0
NWC/Revenue: 42.23% < 20% (prev 44.54%; Δ -2.31% < -1%)
CFO/TA 0.08 > 3% & CFO 3.11b > Net Income 2.39b
Net Debt (-18.82b) to EBITDA (3.20b): -5.88 < 3
Current Ratio: 1.29 > 1.5 & < 3
Outstanding Shares: last quarter (157.7m) vs 12m ago 0.03% < -2%
Gross Margin: 47.41% > 18% (prev 0.49%; Δ 4.69k% > 0.5%)
Asset Turnover: 32.58% > 50% (prev 31.06%; Δ 1.52% > 0%)
Interest Coverage Ratio: 40.60 > 6 (EBITDA TTM 3.20b / Interest Expense TTM 74.7m)

Altman Z'' 3.42

A: 0.13 (Total Current Assets 23.95b - Total Current Liabilities 18.62b) / Total Assets 41.00b
B: 0.41 (Retained Earnings 16.72b / Total Assets 41.00b)
C: 0.08 (EBIT TTM 3.03b / Avg Total Assets 38.75b)
D: 0.68 (Book Value of Equity 17.08b / Total Liabilities 25.09b)
Altman-Z'' Score: 3.42 = A

Beneish M -2.94

DSRI: 0.98 (Receivables 4.18b/3.83b, Revenue 12.62b/11.34b)
GMI: 1.04 (GM 47.41% / 49.40%)
AQI: 1.00 (AQ_t 0.41 / AQ_t-1 0.41)
SGI: 1.11 (Revenue 12.62b / 11.34b)
TATA: -0.02 (NI 2.39b - CFO 3.11b) / TA 41.00b)
Beneish M-Score: -2.94 (Cap -4..+1) = A

What is the price of CINF shares? As of April 10, 2026, the stock is trading at USD 163.95 with a total of 581,181 shares traded.
Over the past week, the price has changed by +3.50%, over one month by +0.98%, over three months by +1.18% and over the past year by +24.57%.

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.

StrongBuy: 1
Buy: 3
Hold: 4
Sell: 0
StrongSell: 0

What are the forecasts/targets for the CINF price?

Analysts Target Price	173.7	5.9%

Cincinnati Financial (CINF) - Fundamental Data Overview as of 06 April 2026

P/E Trailing = 10.4354
P/E Forward = 18.6567
P/S = 1.9525
P/B = 1.55
P/EG = 2.1896
Revenue TTM = 12.62b USD
EBIT TTM = 3.03b USD
EBITDA TTM = 3.20b USD
Long Term Debt = 790.0m USD (from longTermDebt, last quarter)
Short Term Debt = 25.0m USD (from shortTermDebt, last quarter)
Debt = 886.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -18.82b USD (recalculated: Debt 886.0m - CCE 19.70b)
Enterprise Value = 5.85b USD (24.66b + Debt 886.0m - CCE 19.70b)
Interest Coverage Ratio = 40.60 (Ebit TTM 3.03b / Interest Expense TTM 74.7m)
EV/FCF = 1.88x (Enterprise Value 5.85b / FCF TTM 3.10b)
FCF Yield = 53.06% (FCF TTM 3.10b / Enterprise Value 5.85b)
FCF Margin = 24.57% (FCF TTM 3.10b / Revenue TTM 12.62b)
Net Margin = 18.95% (Net Income TTM 2.39b / Revenue TTM 12.62b)
Gross Margin = 47.41% ((Revenue TTM 12.62b - Cost of Revenue TTM 6.64b) / Revenue TTM)
Gross Margin QoQ = 52.29% (prev 58.67%)
Tobins Q-Ratio = 0.14 (Enterprise Value 5.85b / Total Assets 41.00b)
Interest Expense / Debt = 3.92% (Interest Expense 34.7m / Debt 886.0m)
Taxrate = 19.52% (164.0m / 840.0m)
NOPAT = 2.44b (EBIT 3.03b * (1 - 19.52%))
Current Ratio = 1.29 (Total Current Assets 23.95b / Total Current Liabilities 18.62b)
Debt / Equity = 0.06 (Debt 886.0m / totalStockholderEquity, last quarter 15.91b)
Debt / EBITDA = -5.88 (Net Debt -18.82b / EBITDA 3.20b)
Debt / FCF = -6.07 (Net Debt -18.82b / FCF TTM 3.10b)
Total Stockholder Equity = 14.83b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.18% (Net Income 2.39b / Total Assets 41.00b)
RoE = 16.13% (Net Income TTM 2.39b / Total Stockholder Equity 14.83b)
RoCE = 19.41% (EBIT 3.03b / Capital Employed (Equity 14.83b + L.T.Debt 790.0m))
RoIC = 15.60% (NOPAT 2.44b / Invested Capital 15.65b)
WACC = 7.66% (E(24.66b)/V(25.55b) * Re(7.82%) + D(886.0m)/V(25.55b) * Rd(3.92%) * (1-Tc(0.20)))
Discount Rate = 7.82% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -33.33 | Cagr: -0.02%
[DCF] Terminal Value 81.24% ; FCFF base≈2.91b ; Y1≈3.26b ; Y5≈4.34b
[DCF] Fair Price = 646.1 (EV 81.77b - Net Debt -18.82b = Equity 100.58b / Shares 155.7m; r=7.66% [WACC]; 5y FCF grow 13.94% → 3.0% )
EPS Correlation: 15.07 | EPS CAGR: -23.50% | SUE: -4.0 | # QB: 0
Revenue Correlation: 72.71 | Revenue CAGR: 28.12% | SUE: 0.44 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.68 | Chg7d=-0.000 | Chg30d=+0.022 | Revisions Net=+2 | Analysts=6
EPS current Year (2026-12-31): EPS=8.55 | Chg7d=-0.001 | Chg30d=+0.008 | Revisions Net=-2 | Growth EPS=+7.5% | Growth Revenue=-4.3%
EPS next Year (2027-12-31): EPS=9.20 | Chg7d=-0.018 | Chg30d=-0.037 | Revisions Net=+0 | Growth EPS=+7.7% | Growth Revenue=+6.4%
[Analyst] Revisions Ratio: +0.33 (4 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.7% (Discount Rate 7.9% - Earnings Yield 9.6%)
[Growth] Growth Spread = -6.0% (Analyst -7.7% - Implied -1.7%)

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