CINF Stock Analysis: Cincinnati Financial | NASDAQ

Property Casualty, Life Insurance, Investment Management, Surety Bonds

Total Rating 58

Safety 80

Buy Signal -0.85

Insurance - Property & Casualty
Industry Rotation: +0.2

Market Cap: 24.9B
Avg Turnover: 107M

Risk 3d forecast

Volatility22.2%

VaR 5^th Pctl3.95%

VaR vs Median7.73%

Reward TTM

Sharpe Ratio0.06

Rel. Str. IBD37

Rel. Str. Peer Group45.6

Character TTM

Beta0.221

Beta Downside0.169

Hurst Exponent0.498

Drawdowns 3y

Max DD20.03%

CAGR/Max DD1.01

CAGR/Mean DD4.04

EPS (Earnings per Share)

EPS CAGR: 20.46%
EPS Trend: 66.4%

Last SUE: -0.33
Qual. Beats: 0

Revenue

Rev. CAGR: 11.61%
Rev. Trend: 92.9%

Last SUE: 3.17
Qual. Beats: 1

Warnings

Earnings Expected To Drop (P/E To P/E Forward)

Below Avwap Earnings

Below Sma 200d

Tailwinds

No distinct edge detected

Seasonality 11.7 years of data

Jan -1.4% 19

Feb +3.0% 47

Mar -0.7% 18

Apr -2.4% 21

May -0.1% 5

Jun +2.9% 5

Jul +0.6% 5

Aug +1.0% 6

Sep -1.1% 6

Oct -1.3% 11

Nov +5.8% 49

Dec -2.5% 30

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.

Description: CINF Cincinnati Financial

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.

Headlines to Watch Out For

Commercial Lines premium growth drives revenue amid rate increases
Combined ratio improves as catastrophe losses moderate
Investment income expands on higher interest rates

Piotroski VR-10 (Strict) 7.0

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)

Altman Z'' 5.60

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

Beneish M -3.72

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

What is the price of CINF shares?

As of October 12, 2026, the stock is trading at USD 163.39 with a total of 444,405 shares traded. Over the past week, the price has changed by +0.89%, over one month by -2.89%, over three months by -6.33% and over the past year by +3.33%.

Current recommended Stop Loss: 158.00 (which is 3.3% or 2 ATR below the current price).

Is CINF a buy, sell or hold?

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

What are the forecasts/targets for the CINF price?

Analysts Target Price	191	16.9%

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

Market Cap USD = 24.9b (24.9b USD * 1.0 USD.USD)
P/E Trailing = 7.6464
P/E Forward = 18.4502
P/S = 1.7813
P/B = 1.564
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 = 24.9b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 79.40 (Ebit TTM 4.21b / Interest Expense TTM 53.0m)
EV/FCF = 7.28x (Enterprise Value 24.9b / FCF TTM 3.41b)
FCF Yield = 13.74% (FCF TTM 3.41b / Enterprise Value 24.9b)
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 = 0.58 (Enterprise Value 24.9b / 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 = 6.68% (E(24.9b)/V(25.8b) * Re(6.76%) + D(944.0m)/V(25.8b) * Rd(5.61%) * (1-Tc(0.20)))
Discount Rate = 6.76% (= 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=2.00 | Chg30d=+5.64% | Revisions=+12% | Analysts=8
EPS current Year (2026-12-31): EPS=8.50 | Chg30d=+0.74% | Revisions=-73% | GrowthEPS=+7.0% | GrowthRev=+4.7%
EPS next Year (2027-12-31): EPS=9.06 | Chg30d=+0.31% | Revisions=-50% | GrowthEPS=+6.5% | GrowthRev=-4.6%
[Analyst] Revisions Ratio: -52% (up=4, down=16)