CINF Stock Analysis: Cincinnati Financial | NASDAQ
Insurance - Property & Casualty | NASDAQ, USA | Market Cap: 29.241m USD | 12M Return: 16.7% | US1720621010 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 123M
EPS Trend: 54.3%
Qual. Beats: 0
Rev. Trend: 91.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Cincinnati Financial Corporation is a U.S.-based property casualty insurance company headquartered in Fairfield, Ohio, founded in 1950 and trading on NASDAQ under the ticker CINF. It operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments.
The Commercial Lines segment offers coverage for commercial casualty and property, commercial auto, workers compensation, surety and fidelity bonds, management liability, and machinery and equipment. The Personal Lines segment provides personal auto, homeowner, and other coverages including dwelling fire, inland marine, personal umbrella liability, and watercraft. The Excess and Surplus Lines segment focuses on commercial casualty and property insurance for non-standard or higher-hazard risks, while the Life Insurance segment offers term, universal, whole, and worksite life products along with annuities.
The Investments segment manages a portfolio of fixed-maturity securities (taxable and tax-exempt bonds, redeemable preferred stocks) and equity investments (common and nonredeemable preferred stocks). The company also engages in commercial leasing and financing and insurance brokerage services.
As a Large Cap company in the Financials sector (Property & Casualty Insurance sub-industry), Cincinnati Financial operates with the multi-line carrier business structure typical of U.S. insurance holding companies, combining underwriting operations with an in-house investment portfolio that contributes to overall results. Property and casualty insurers in this segment typically generate revenue through premiums collected and investment income earned on reserves backing those policies.
- Commercial Lines premium growth drives revenue amid rate increases
- Combined ratio improves as catastrophe losses moderate
- Investment income expands on higher interest rates
| Net Income: 2.66b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 0.32 > 1.0 |
| NWC/Revenue: 150.8% < 20% (prev -95.82%; Δ 246.6% < -1%) |
| CFO/TA 0.07 > 3% & CFO 3.09b > Net Income 2.66b |
| Net Debt (-32.5b) to EBITDA (3.51b): -9.27 < 3 |
| Current Ratio: 2.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (155.1m) vs 12m ago -1.71% < -2% |
| Gross Margin: 48.89% > 18% (prev 46.20%; Δ 2.69% > 0.5%) |
| Asset Turnover: 31.92% > 50% (prev 29.77%; Δ 2.15% > 0%) |
| Interest Coverage Ratio: 64.37 > 6 (EBIT TTM 3.35b / Interest Expense TTM 52.0m) |
| A: 0.47 (Total Current Assets 39.4b - Total Current Liabilities 19.4b) / Total Assets 42.6b |
| B: 0.43 (Retained Earnings 18.3b / Total Assets 42.6b) |
| C: 0.08 (EBIT TTM 3.35b / Avg Total Assets 41.6b) |
| D: 0.61 (Book Value of Equity 16.2b / Total Liabilities 26.4b) |
| Altman-Z'' = 5.66 = AAA |
| DSRI: 0.93 (Receivables 4.46b/4.37b, Revenue 13.3b/12.1b) |
| GMI: 0.94 (GM 46.20% / 48.89%) |
| AQI: 0.08 (AQ_t 0.07 / AQ_t-1 0.82) |
| SGI: 1.10 (Revenue 13.3b / 12.1b) |
| TATA: -0.01 (NI 2.66b - CFO 3.09b) / TA 42.6b) |
| Beneish M = -3.61 (Cap -4..+1) = AAA |
As of November 11, 2026, the stock is trading at USD 189.89 with a total of 391,946 shares traded. Over the past week, the price has changed by +3.01%, over one month by +14.70%, over three months by +9.84% and over the past year by +16.68%.
Current recommended Stop Loss: 179.40 (which is 5.5% or 2.7 ATR below the current price).
Cincinnati Financial has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold CINF.
- StrongBuy: 2
- Buy: 0
- Hold: 6
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 187.3 | -1.3% |
P/E Trailing = 11.1784
P/E Forward = 19.0114
P/S = 2.2027
P/B = 1.7492
P/EG = 2.1896
Revenue TTM = 13.3b USD
EBIT TTM = 3.35b USD
EBITDA TTM = 3.51b USD
Long Term Debt = 858.0m USD (from longTermDebt, last quarter)
Short Term Debt = 17.0m USD (from shortTermDebt, last quarter)
Debt = 943.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 68.0m
Net Debt = -32.5b USD (calculated: Debt 943.0m - CCE 33.5b)
Enterprise Value = 29.2b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 64.37 (Ebit TTM 3.35b / Interest Expense TTM 52.0m)
EV/FCF = 9.49x (Enterprise Value 29.2b / FCF TTM 3.08b)
FCF Yield = 10.53% (FCF TTM 3.08b / Enterprise Value 29.2b)
FCF Margin = 23.20% (FCF TTM 3.08b / Revenue TTM 13.3b)
Net Margin = 20.07% (Net Income TTM 2.66b / Revenue TTM 13.3b)
Gross Margin = 48.89% ((Revenue TTM 13.3b - Cost of Revenue TTM 6.79b) / Revenue TTM)
Gross Margin QoQ = 45.03% (prev 55.85%)
Tobins Q-Ratio = 0.69 (Enterprise Value 29.2b / Total Assets 42.6b)
Interest Expense / Debt = 5.51% (Interest Expense 52.0m / Debt 943.0m)
Taxrate = 19.15% (631.0m / 3.29b)
NOPAT = 2.71b (EBIT 3.35b * (1 - 19.15%))
Current Ratio = 2.03 (Total Current Assets 39.4b / Total Current Liabilities 19.4b)
Debt / Equity = 0.06 (Debt 943.0m / totalStockholderEquity, last quarter 16.2b)
Debt / EBITDA = -9.27 (Net Debt -32.5b / EBITDA 3.51b)
Debt / FCF = -10.55 (Net Debt -32.5b / FCF TTM 3.08b)
Total Stockholder Equity = 16.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.41% (Net Income 2.66b / Total Assets 42.6b)
RoE = 16.53% (Net Income TTM 2.66b / Total Stockholder Equity 16.1b)
RoCE = 19.71% (EBIT 3.35b / Capital Employed (Equity 16.1b + L.T.Debt 858.0m))
RoIC = 12.00% (NOPAT 2.71b / Invested Capital 22.6b)
WACC = 6.17% (E(29.2b)/V(30.2b) * Re(6.23%) + D(943.0m)/V(30.2b) * Rd(5.51%) * (1-Tc(0.19)))
Discount Rate = 6.23% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -67.91 | Cagr: -0.68%
[DCF] Terminal Value 76.65% ; FCFF base≈2.97b ; Y1≈3.23b ; Y5≈4.00b
[DCF] Fair Price = 610.4 (EV 61.2b - Net Debt -32.5b = Equity 93.7b / Shares 153.5m; r=8.35% [WACC [floored]]; 5y FCF grow 9.88% → 2.50% )
EPS Correlation: 54.32 | EPS CAGR: 12.95% | SUE: 0.69 | # QB: 0
Revenue Correlation: 91.71 | Revenue CAGR: 10.73% | SUE: 0.03 | # QB: 0
EPS current Quarter (2027-03-31): EPS=2.18 | Chg30d=+0.25% | Revisions=+25% | Analysts=7
EPS current Year (2026-12-31): EPS=9.46 | Chg30d=+12.03% | Revisions=+62% | GrowthEPS=+18.9% | GrowthRev=+4.6%
EPS next Year (2027-12-31): EPS=9.20 | Chg30d=+1.89% | Revisions=+40% | GrowthEPS=-2.7% | GrowthRev=-5.3%
[Analyst] Revisions Ratio: +73% (up=8, down=0)