CINCINNATI FINANCIAL CORP (CINF) Fundamental Analysis & Valuation

NASDAQ:CINF • US1720621010

Current stock price

163.82 USD
-0.41 (-0.25%)
At close:
163.82 USD
0 (0%)
After Hours:

This CINF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. CINF Profitability Analysis

1.1 Basic Checks

  • In the past year CINF was profitable.
  • In the past year CINF had a positive cash flow from operations.
  • CINF had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years CINF had a positive operating cash flow.
CINF Yearly Net Income VS EBIT VS OCF VS FCFCINF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B

1.2 Ratios

  • The Return On Assets of CINF (5.84%) is better than 84.56% of its industry peers.
  • CINF has a Return On Equity of 15.04%. This is in the better half of the industry: CINF outperforms 69.80% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 3.90%, CINF is in the better half of the industry, outperforming 65.77% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for CINF is significantly below the industry average of 15.25%.
Industry RankSector Rank
ROA 5.84%
ROE 15.04%
ROIC 3.9%
ROA(3y)5.91%
ROA(5y)5.1%
ROE(3y)15.57%
ROE(5y)12.92%
ROIC(3y)5.08%
ROIC(5y)N/A
CINF Yearly ROA, ROE, ROICCINF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15 20

1.3 Margins

  • CINF has a better Profit Margin (18.95%) than 84.56% of its industry peers.
  • CINF's Profit Margin has improved in the last couple of years.
  • CINF has a Operating Margin of 15.75%. This is in the better half of the industry: CINF outperforms 67.11% of its industry peers.
  • In the last couple of years the Operating Margin of CINF has declined.
Industry RankSector Rank
OM 15.75%
PM (TTM) 18.95%
GM N/A
OM growth 3YN/A
OM growth 5Y-9.45%
PM growth 3YN/A
PM growth 5Y3.26%
GM growth 3YN/A
GM growth 5YN/A
CINF Yearly Profit, Operating, Gross MarginsCINF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. CINF Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CINF is destroying value.
  • Compared to 1 year ago, CINF has less shares outstanding
  • Compared to 5 years ago, CINF has less shares outstanding
  • The debt/assets ratio for CINF has been reduced compared to a year ago.
CINF Yearly Shares OutstandingCINF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
CINF Yearly Total Debt VS Total AssetsCINF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • The Debt to FCF ratio of CINF is 0.26, which is an excellent value as it means it would take CINF, only 0.26 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of CINF (0.26) is better than 88.59% of its industry peers.
  • CINF has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
  • CINF has a better Debt to Equity ratio (0.05) than 82.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.26
Altman-Z N/A
ROIC/WACC0.44
WACC8.8%
CINF Yearly LT Debt VS Equity VS FCFCINF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CINF Yearly Current Assets VS Current LiabilitesCINF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CINF Growth Analysis

3.1 Past

  • CINF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.02%.
  • Measured over the past years, CINF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.37% on average per year.
  • CINF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.41%.
  • Measured over the past years, CINF shows a quite strong growth in Revenue. The Revenue has been growing by 10.88% on average per year.
EPS 1Y (TTM)5.02%
EPS 3Y23.41%
EPS 5Y19.37%
EPS Q2Q%7.32%
Revenue 1Y (TTM)11.41%
Revenue growth 3Y24.43%
Revenue growth 5Y10.88%
Sales Q2Q%14.34%

3.2 Future

  • Based on estimates for the next years, CINF will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.16% on average per year.
  • The Revenue is expected to grow by 1.10% on average over the next years.
EPS Next Y7.97%
EPS Next 2Y8.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.44%
Revenue Next 2Y1.1%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CINF Yearly Revenue VS EstimatesCINF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B 10B
CINF Yearly EPS VS EstimatesCINF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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2

4. CINF Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 20.61, the valuation of CINF can be described as rather expensive.
  • CINF's Price/Earnings ratio is a bit more expensive when compared to the industry. CINF is more expensive than 75.84% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.70. CINF is around the same levels.
  • A Price/Forward Earnings ratio of 19.09 indicates a rather expensive valuation of CINF.
  • 73.83% of the companies in the same industry are cheaper than CINF, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of CINF to the average of the S&P500 Index (23.84), we can say CINF is valued inline with the index average.
Industry RankSector Rank
PE 20.61
Fwd PE 19.09
CINF Price Earnings VS Forward Price EarningsCINF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as CINF.
  • CINF's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 8.25
EV/EBITDA 11.55
CINF Per share dataCINF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CINF does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of CINF may justify a higher PE ratio.
PEG (NY)2.59
PEG (5Y)1.06
EPS Next 2Y8.16%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CINF Dividend Analysis

5.1 Amount

  • CINF has a Yearly Dividend Yield of 2.26%. Purely for dividend investing, there may be better candidates out there.
  • CINF's Dividend Yield is comparable with the industry average which is at 2.79.
  • Compared to an average S&P500 Dividend Yield of 1.82, CINF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.26%

5.2 History

  • The dividend of CINF is nicely growing with an annual growth rate of 7.79%!
  • CINF has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CINF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.79%
Div Incr Years29
Div Non Decr Years29
CINF Yearly Dividends per shareCINF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 21.94% of the earnings are spent on dividend by CINF. This is a low number and sustainable payout ratio.
  • CINF's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP21.94%
EPS Next 2Y8.16%
EPS Next 3YN/A
CINF Yearly Income VS Free CF VS DividendCINF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B
CINF Dividend Payout.CINF Dividend Payout, showing the Payout Ratio.CINF Dividend Payout.PayoutRetained Earnings

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CINF Fundamentals: All Metrics, Ratios and Statistics

CINCINNATI FINANCIAL CORP

NASDAQ:CINF (3/13/2026, 8:16:23 PM)

After market: 163.82 0 (0%)

163.82

-0.41 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-09
Earnings (Next)04-27
Inst Owners71.05%
Inst Owner Change2.18%
Ins Owners1.75%
Ins Owner Change1.41%
Market Cap25.49B
Revenue(TTM)12.63B
Net Income(TTM)2.39B
Analysts77.33
Price Target177.14 (8.13%)
Short Float %1.57%
Short Ratio3.45
Dividend
Industry RankSector Rank
Dividend Yield 2.26%
Yearly Dividend3.37
Dividend Growth(5Y)7.79%
DP21.94%
Div Incr Years29
Div Non Decr Years29
Ex-Date03-24
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)25.02%
Min EPS beat(2)14.32%
Max EPS beat(2)35.72%
EPS beat(4)4
Avg EPS beat(4)37.51%
Min EPS beat(4)14.32%
Max EPS beat(4)62.05%
EPS beat(8)6
Avg EPS beat(8)29.79%
EPS beat(12)10
Avg EPS beat(12)31.27%
EPS beat(16)12
Avg EPS beat(16)21.36%
Revenue beat(2)1
Avg Revenue beat(2)12.62%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)27.47%
Revenue beat(4)2
Avg Revenue beat(4)8.02%
Min Revenue beat(4)-7.03%
Max Revenue beat(4)27.47%
Revenue beat(8)5
Avg Revenue beat(8)9.19%
Revenue beat(12)7
Avg Revenue beat(12)8.34%
Revenue beat(16)7
Avg Revenue beat(16)-0.64%
PT rev (1m)-0.65%
PT rev (3m)0.58%
EPS NQ rev (1m)1.38%
EPS NQ rev (3m)1.02%
EPS NY rev (1m)-1.08%
EPS NY rev (3m)-1.78%
Revenue NQ rev (1m)-2.2%
Revenue NQ rev (3m)-1.47%
Revenue NY rev (1m)-1.72%
Revenue NY rev (3m)-1.72%
Valuation
Industry RankSector Rank
PE 20.61
Fwd PE 19.09
P/S 2.02
P/FCF 8.25
P/OCF 8.19
P/B 1.6
P/tB 1.6
EV/EBITDA 11.55
EPS(TTM)7.95
EY4.85%
EPS(NY)8.58
Fwd EY5.24%
FCF(TTM)19.87
FCFY12.13%
OCF(TTM)20
OCFY12.21%
SpS81.17
BVpS102.24
TBVpS102.24
PEG (NY)2.59
PEG (5Y)1.06
Graham Number135.24
Profitability
Industry RankSector Rank
ROA 5.84%
ROE 15.04%
ROCE 4.86%
ROIC 3.9%
ROICexc 4.04%
ROICexgc 4.34%
OM 15.75%
PM (TTM) 18.95%
GM N/A
FCFM 24.48%
ROA(3y)5.91%
ROA(5y)5.1%
ROE(3y)15.57%
ROE(5y)12.92%
ROIC(3y)5.08%
ROIC(5y)N/A
ROICexc(3y)5.23%
ROICexc(5y)N/A
ROICexgc(3y)5.62%
ROICexgc(5y)N/A
ROCE(3y)6.33%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-7.31%
ROICexc growth 3YN/A
ROICexc growth 5Y-7.2%
OM growth 3YN/A
OM growth 5Y-9.45%
PM growth 3YN/A
PM growth 5Y3.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.31
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.26
Debt/EBITDA 0.38
Cap/Depr 11.9%
Cap/Sales 0.16%
Interest Coverage 37.53
Cash Conversion 144.27%
Profit Quality 129.21%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.8%
ROIC/WACC0.44
Cap/Depr(3y)14.97%
Cap/Depr(5y)14.57%
Cap/Sales(3y)0.18%
Cap/Sales(5y)0.18%
Profit Quality(3y)118.06%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.02%
EPS 3Y23.41%
EPS 5Y19.37%
EPS Q2Q%7.32%
EPS Next Y7.97%
EPS Next 2Y8.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.41%
Revenue growth 3Y24.43%
Revenue growth 5Y10.88%
Sales Q2Q%14.34%
Revenue Next Year-4.44%
Revenue Next 2Y1.1%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-31.67%
EBIT growth 3YN/A
EBIT growth 5Y0.41%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.7%
FCF growth 3Y14.93%
FCF growth 5Y16.02%
OCF growth 1Y17.48%
OCF growth 3Y14.89%
OCF growth 5Y15.85%

CINCINNATI FINANCIAL CORP / CINF Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CINCINNATI FINANCIAL CORP (CINF) stock?

ChartMill assigns a fundamental rating of 5 / 10 to CINF.


What is the valuation status of CINCINNATI FINANCIAL CORP (CINF) stock?

ChartMill assigns a valuation rating of 2 / 10 to CINCINNATI FINANCIAL CORP (CINF). This can be considered as Overvalued.


Can you provide the profitability details for CINCINNATI FINANCIAL CORP?

CINCINNATI FINANCIAL CORP (CINF) has a profitability rating of 6 / 10.


What are the PE and PB ratios of CINCINNATI FINANCIAL CORP (CINF) stock?

The Price/Earnings (PE) ratio for CINCINNATI FINANCIAL CORP (CINF) is 20.61 and the Price/Book (PB) ratio is 1.6.


How sustainable is the dividend of CINCINNATI FINANCIAL CORP (CINF) stock?

The dividend rating of CINCINNATI FINANCIAL CORP (CINF) is 7 / 10 and the dividend payout ratio is 21.94%.