(CINF) Cincinnati Financial - Overview
Stock: Commercial Insurance, Personal Insurance, Excess Insurance, Life Insurance, Investment Products
| Risk 5d forecast | |
|---|---|
| Volatility | 22.1% |
| Relative Tail Risk | -1.40% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.72 |
| Alpha | 5.67 |
| Character TTM | |
|---|---|
| Beta | 0.461 |
| Beta Downside | 0.945 |
| Drawdowns 3y | |
|---|---|
| Max DD | 20.03% |
| CAGR/Max DD | 0.79 |
EPS (Earnings per Share)
Revenue
Description: CINF Cincinnati Financial March 03, 2026
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.
Piotroski VR‑10 (Strict, 0-10) 7.0
| 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: 4.51% < 20% (prev 8.45%; Δ -3.94% < -1%) |
| CFO/TA 0.08 > 3% & CFO 3.11b > Net Income 2.39b |
| Net Debt (-545.0m) to EBITDA (3.20b): -0.17 < 3 |
| Current Ratio: 1.66 > 1.5 & < 3 |
| Outstanding Shares: last quarter (157.7m) vs 12m ago 0.03% < -2% |
| Gross Margin: 47.41% > 18% (prev 0.49%; Δ 4691 % > 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'' 2.66
| A: 0.01 (Total Current Assets 1.43b - Total Current Liabilities 861.0m) / 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: 2.66 = A |
Beneish M -3.15
| DSRI: 0.74 (Receivables 3.14b/3.83b, Revenue 12.62b/11.34b) |
| GMI: 1.04 (GM 47.41% / 49.40%) |
| AQI: 0.99 (AQ_t 0.96 / AQ_t-1 0.97) |
| SGI: 1.11 (Revenue 12.62b / 11.34b) |
| TATA: -0.02 (NI 2.39b - CFO 3.11b) / TA 41.00b) |
| Beneish M-Score: -3.15 (Cap -4..+1) = AA |
What is the price of CINF shares?
Over the past week, the price has changed by +2.58%, over one month by -0.58%, over three months by +3.58% and over the past year by +19.95%.
Is CINF a buy, sell or hold?
- StrongBuy: 1
- Buy: 3
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CINF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 173.7 | 3.4% |
| Analysts Target Price | 173.7 | 3.4% |
CINF Fundamental Data Overview March 04, 2026
P/E Forward = 20.0401
P/S = 2.0996
P/B = 1.6627
P/EG = -158.72
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 = -545.0m USD (from netDebt column, last quarter)
Enterprise Value = 25.98b USD (26.52b + Debt 886.0m - CCE 1.43b)
Interest Coverage Ratio = 40.60 (Ebit TTM 3.03b / Interest Expense TTM 74.7m)
EV/FCF = 8.37x (Enterprise Value 25.98b / FCF TTM 3.10b)
FCF Yield = 11.94% (FCF TTM 3.10b / Enterprise Value 25.98b)
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 = 0.63 (Enterprise Value 25.98b / 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 = 1.66 (Total Current Assets 1.43b / Total Current Liabilities 861.0m)
Debt / Equity = 0.06 (Debt 886.0m / totalStockholderEquity, last quarter 15.91b)
Debt / EBITDA = -0.17 (Net Debt -545.0m / EBITDA 3.20b)
Debt / FCF = -0.18 (Net Debt -545.0m / 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 = 7.47% (E(26.52b)/V(27.41b) * Re(7.61%) + D(886.0m)/V(27.41b) * Rd(3.92%) * (1-Tc(0.20)))
Discount Rate = 7.61% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.02%
[DCF] Terminal Value 81.56% ; FCFF base≈2.91b ; Y1≈3.26b ; Y5≈4.33b
[DCF] Fair Price = 540.4 (EV 83.55b - Net Debt -545.0m = Equity 84.10b / Shares 155.6m; r=7.47% [WACC]; 5y FCF grow 13.94% → 2.90% )
EPS Correlation: 37.82 | EPS CAGR: 22.38% | SUE: 1.12 | # QB: 5
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 = -1.0% (Discount Rate 7.9% - Earnings Yield 8.9%)
[Growth] Growth Spread = -6.7% (Analyst -7.7% - Implied -1.0%)