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Cincinnati Financial Corporation
CINF: NasdaqGSLowest reading is at 70 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Stephen Michael Spray
Market Cap
24.95 Billion USD
Sector
Financial Services
Website
https://www.cinfin.comLast Update
28/09/2026, 03:36:34
Description
Cincinnati Financial Corporation provides property casualty insurance products in the United States.
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Strongest readings
- ✔Debt is low at 0.05 times equity
- ✔Financial health is strong (health score 87 out of 100)
- ✔Dividend growth averages 7.24% per year
- ✔Price-to-earnings of 7.6 is below the market average of 19.6
- ✔Dividend cover is strong (dividend score 71 out of 100)
Weakest readings
No reading falls materially below its benchmark.
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 7.58x | 19.60x | |
| ✘ | Margin of safety (DCF) | 17.09% | 17.95% | |
| ✔ | Revenue growth (5y average) | 13.22% | 10.97% | |
| ✔ | Dividend yield (TTM) | 2.18% | 1.85% | |
| ✔ | Share count, per year | -0.64% | 0.00% | |
| ✘ | Return on capital employed | 7.40% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
89 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 7.58x | 19.60x | |
| ✔ | Free cashflow yield | 13.63% | 4.70% | |
| ✘ | Price / earnings growth | 1.66x | 1.50x | |
| Price / book | 1.50x | — | ||
| ✘ | Margin of safety | 17.09% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Estimated intrinsic value of 190.32 USD is above the current price of 162.54 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 319.6 USD ✔
Current Price: 162.5 USD
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
70 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 13.22% | 10.97% | |
| ✔ | Earnings growth | 24.79% | 14.48% | |
| ✔ | Cashflow growth | 17.70% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (19.55% against a five year average of 13.22%)
- ✔Earnings growth has improved this year (83.96% against a five year average of 24.79%)
- ✔Free cashflow growth has improved this year
Health
87 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.05x | 0.80x | |
| ✔ | Debt / total capital | 0.05x | 1.00x | |
| Equity / assets | 38.81% | — | ||
| ✔ | Interest coverage | 57.23x | 2.50x | |
| Underwriting loss ratio | 66.51% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
71 / 100Covered by both earnings and cashflow.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 2.18% | 1.85% | |
| ✔ | Dividend growth | 7.14% | 0.00% | |
| ✔ | Payout ratio (earnings) | 16.32% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 15.97% | 65.00% | |
| ✔ | Worst year, last 5 years | 5.46% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
76 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 15.04% | 15.00% | |
| ✘ | Return on capital employed | 7.40% | 10.00% | |
| Return on assets | 5.84% | — | ||
| Free cashflow return on capital | 7.54% | — | ||
| ✔ | Return on capital, 5y change | 5.21% | 0.00% | |
| ✔ | Share count, per year | -0.64% | 0.00% | |
| ✔ | Share count, recent | -1.68% | 0.00% | |
| ✘ | Realized buyback return | -31.66% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 26.29% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 89 out of 100
- ✘Return on equity of 15.04% is driven by debt rather than operations, because return on capital employed is only 7.40%
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
CINF
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Cincinnati Financial Corporation
Currency
USD
Beta
0.545
Vol Avg
697185
Ceo
Mr. Stephen Michael Spray
Cik
0000020286
Cusip
Exchange
NasdaqGS
Full Time Employees
5705
Industry
Insurance - Property & Casualty
Sector
Financial Services
Ipo Date
Address
6200 South Gilmore Road
City
Fairfield
State
OH
Country
United States
Zip
45014-5141
Phone
513 870 2000
Analysis Last Updated
28/09/2026, 03:36:34
Financial data compiled from SEC EDGAR filings and Yahoo Finance.