(CINF) Cincinnati Financial - Ratings and Ratios
Insurance, Bonds, Auto, Property, Life
CINF EPS (Earnings per Share)
CINF Revenue
Description: CINF Cincinnati Financial
Cincinnati Financial Corporation is a leading provider of property casualty insurance products in the United States, operating through five distinct business segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The companys diverse product portfolio includes commercial and personal insurance coverages, life insurance, and annuities, as well as investment products.
From a business perspective, Cincinnati Financial Corporation has a strong presence in the US insurance market, with a diversified revenue stream across its five business segments. The companys Commercial Lines Insurance segment is a significant contributor, offering a range of coverage products, including commercial casualty and property, commercial auto, and workers compensation. The Investments segment is also noteworthy, with a portfolio of fixed-maturity investments and equity investments that generate returns for the company.
In terms of key performance indicators (KPIs), Cincinnati Financial Corporations financial health is reflected in its market capitalization of $23.2 billion and a return on equity (ROE) of 10.67%. The companys price-to-earnings (P/E) ratio is 16.19, indicating a relatively stable valuation. Additionally, the companys dividend yield is an attractive metric, with a history of consistent dividend payments. Other relevant KPIs include the companys loss ratio, expense ratio, and combined ratio, which are essential metrics for evaluating the performance of an insurance company.
To further evaluate Cincinnati Financial Corporations performance, it is essential to analyze its underwriting profitability, investment income, and overall financial stability. The companys ability to generate strong underwriting profits, coupled with its investment income, is critical to its long-term success. Moreover, Cincinnati Financial Corporations capital management strategies, including its dividend policy and share repurchase programs, are also important considerations for investors.
CINF Stock Overview
| Market Cap in USD | 24,008m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1990-03-26 |
CINF Stock Ratings
| Growth Rating | 72.2% |
| Fundamental | 75.9% |
| Dividend Rating | 70.5% |
| Return 12m vs S&P 500 | -2.61% |
| Analyst Rating | 3.63 of 5 |
CINF Dividends
| Dividend Yield 12m | 2.82% |
| Yield on Cost 5y | 6.16% |
| Annual Growth 5y | 6.19% |
| Payout Consistency | 96.6% |
| Payout Ratio | 54.4% |
CINF Growth Ratios
| Growth Correlation 3m | 88.5% |
| Growth Correlation 12m | 55.3% |
| Growth Correlation 5y | 68.5% |
| CAGR 5y | 19.13% |
| CAGR/Max DD 3y | 0.79 |
| CAGR/Mean DD 3y | 2.64 |
| Sharpe Ratio 12m | 0.53 |
| Alpha | 0.85 |
| Beta | 0.819 |
| Volatility | 22.21% |
| Current Volume | 463.8k |
| Average Volume 20d | 408k |
| Stop Loss | 150.4 (-3%) |
| Signal | -1.13 |
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) 75.85
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 10.49% = 5.0 |
| 3. FCF Margin 22.17% = 5.54 |
| 4. Debt/Equity 0.12 = 2.49 |
| 5. Debt/Ebitda 0.67 = 2.16 |
| 6. ROIC - WACC 3.99% = 4.99 |
| 7. RoE 13.06% = 1.09 |
| 8. Rev. Trend 50.30% = 2.52 |
| 9. Rev. CAGR 35.45% = 2.50 |
| 10. EPS Trend 22.76% = 0.57 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of CINF shares?
Over the past week, the price has changed by +1.09%, over one month by +2.69%, over three months by +6.38% and over the past year by +15.78%.
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 160.12 USD . This means that CINF is currently overvalued and has a potential downside of 3.22%.
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 | 163.3 | 5.3% |
| Analysts Target Price | 163.3 | 5.3% |
| ValueRay Target Price | 178.5 | 15.1% |
Last update: 2025-09-05 04:37
CINF Fundamental Data Overview
CCE Cash And Equivalents = 995.0m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.3157
P/E Forward = 18.0505
P/S = 2.0569
P/B = 1.6791
P/EG = -158.72
Beta = 0.71
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 = 1.65b USD (Calculated: Short Term 859.0m + Long Term 790.0m)
Net Debt = -136.0m USD (from netDebt column, last quarter)
Enterprise Value = 24.66b USD (24.01b + Debt 1.65b - CCE 995.0m)
Interest Coverage Ratio = 43.38 (Ebit TTM 2.30b / Interest Expense TTM 53.0m)
FCF Yield = 10.49% (FCF TTM 2.59b / Enterprise Value 24.66b)
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)
Tobins Q-Ratio = 1.61 (Enterprise Value 24.66b / Book Value Of Equity 15.34b)
Interest Expense / Debt = 0.85% (Interest Expense 14.0m / Debt 1.65b)
Taxrate = 19.80% (566.0m / 2.86b)
NOPAT = 1.84b (EBIT 2.30b * (1 - 19.80%))
Current Ratio = 1.16 (Total Current Assets 995.0m / Total Current Liabilities 859.0m)
Debt / Equity = 0.12 (Debt 1.65b / last Quarter total Stockholder Equity 14.30b)
Debt / EBITDA = 0.67 (Net Debt -136.0m / EBITDA 2.45b)
Debt / FCF = 0.64 (Debt 1.65b / FCF TTM 2.59b)
Total Stockholder Equity = 13.94b (last 4 quarters mean)
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 / (Equity 13.94b + L.T.Debt 790.0m))
RoIC = 12.48% (NOPAT 1.84b / Invested Capital 14.77b)
WACC = 8.49% (E(24.01b)/V(25.66b) * Re(9.03%)) + (D(1.65b)/V(25.66b) * Rd(0.85%) * (1-Tc(0.20)))
Shares Correlation 3-Years: -48.08 | Cagr: -0.01%
Discount Rate = 9.03% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.34% ; FCFE base≈2.47b ; Y1≈2.74b ; Y5≈3.55b
Fair Price DCF = 330.1 (DCF Value 51.62b / Shares Outstanding 156.4m; 5y FCF grow 12.25% → 3.0% )
Revenue Correlation: 50.30 | Revenue CAGR: 35.45%
Rev Growth-of-Growth: -10.05
EPS Correlation: 22.76 | EPS CAGR: 0.0%
EPS Growth-of-Growth: -84.94
Additional Sources for CINF Stock
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