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CINCINNATI FINANCIAL CORP (CINF) Stock Fundamental Analysis

NASDAQ:CINF - Nasdaq - US1720621010 - Common Stock - Currency: USD

150.17  -0.78 (-0.52%)

After market: 150.17 0 (0%)

Fundamental Rating

4

CINF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. CINF has an average financial health and profitability rating. CINF does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

CINF had positive earnings in the past year.
In the past year CINF had a positive cash flow from operations.
CINF had positive earnings in 4 of the past 5 years.
CINF had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

1.2 Ratios

CINF has a better Return On Assets (3.88%) than 79.72% of its industry peers.
CINF has a Return On Equity of 10.55%. This is comparable to the rest of the industry: CINF outperforms 53.15% of its industry peers.
CINF has a Return On Invested Capital of 3.96%. This is in the better half of the industry: CINF outperforms 74.13% of its industry peers.
Industry RankSector Rank
ROA 3.88%
ROE 10.55%
ROIC 3.96%
ROA(3y)3.42%
ROA(5y)4.81%
ROE(3y)9.02%
ROE(5y)12.16%
ROIC(3y)N/A
ROIC(5y)N/A
CINF Yearly ROA, ROE, ROICCINF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

1.3 Margins

CINF has a better Profit Margin (13.19%) than 76.92% of its industry peers.
CINF's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 16.68%, CINF is doing good in the industry, outperforming 70.63% of the companies in the same industry.
In the last couple of years the Operating Margin of CINF has declined.
Industry RankSector Rank
OM 16.68%
PM (TTM) 13.19%
GM N/A
OM growth 3Y-12.75%
OM growth 5Y-4.23%
PM growth 3Y-12.9%
PM growth 5Y-4.31%
GM growth 3YN/A
GM growth 5YN/A
CINF Yearly Profit, Operating, Gross MarginsCINF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

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5

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CINF is destroying value.
CINF has less shares outstanding than it did 1 year ago.
CINF has less shares outstanding than it did 5 years ago.
CINF has a better debt/assets ratio than last year.
CINF Yearly Shares OutstandingCINF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
CINF Yearly Total Debt VS Total AssetsCINF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

The Debt to FCF ratio of CINF is 0.34, which is an excellent value as it means it would take CINF, only 0.34 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.34, CINF belongs to the best of the industry, outperforming 87.41% of the companies in the same industry.
A Debt/Equity ratio of 0.06 indicates that CINF is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.06, CINF belongs to the best of the industry, outperforming 82.52% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.34
Altman-Z N/A
ROIC/WACC0.44
WACC8.95%
CINF Yearly LT Debt VS Equity VS FCFCINF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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3

3. Growth

3.1 Past

The earnings per share for CINF have decreased strongly by -18.34% in the last year.
CINF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.45% yearly.
Looking at the last year, CINF shows a small growth in Revenue. The Revenue has grown by 2.44% in the last year.
Measured over the past years, CINF shows a small growth in Revenue. The Revenue has been growing by 7.43% on average per year.
EPS 1Y (TTM)-18.34%
EPS 3Y5.7%
EPS 5Y12.45%
EPS Q2Q%-113.95%
Revenue 1Y (TTM)2.44%
Revenue growth 3Y5.59%
Revenue growth 5Y7.43%
Sales Q2Q%-12.57%

3.2 Future

Based on estimates for the next years, CINF will show a small growth in Earnings Per Share. The EPS will grow by 2.53% on average per year.
CINF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.65% yearly.
EPS Next Y-26.3%
EPS Next 2Y4.86%
EPS Next 3Y2.53%
EPS Next 5YN/A
Revenue Next Year-2.6%
Revenue Next 2Y2.11%
Revenue Next 3Y2.65%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CINF Yearly Revenue VS EstimatesCINF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 26.77, which means the current valuation is very expensive for CINF.
72.73% of the companies in the same industry are cheaper than CINF, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CINF to the average of the S&P500 Index (26.60), we can say CINF is valued inline with the index average.
With a Price/Forward Earnings ratio of 18.04, CINF is valued on the expensive side.
Based on the Price/Forward Earnings ratio, CINF is valued a bit more expensive than the industry average as 66.43% of the companies are valued more cheaply.
CINF is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.43, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 26.77
Fwd PE 18.04
CINF Price Earnings VS Forward Price EarningsCINF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

CINF's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CINF is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 9.07
EV/EBITDA 11.88
CINF Per share dataCINF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.15
EPS Next 2Y4.86%
EPS Next 3Y2.53%

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6

5. Dividend

5.1 Amount

CINF has a Yearly Dividend Yield of 2.33%. Purely for dividend investing, there may be better candidates out there.
CINF's Dividend Yield is a higher than the industry average which is at 3.17.
Compared to an average S&P500 Dividend Yield of 2.36, CINF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.33%

5.2 History

The dividend of CINF is nicely growing with an annual growth rate of 7.50%!
CINF has paid a dividend for at least 10 years, which is a reliable track record.
CINF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.5%
Div Incr Years29
Div Non Decr Years29
CINF Yearly Dividends per shareCINF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

34.49% of the earnings are spent on dividend by CINF. This is a low number and sustainable payout ratio.
The dividend of CINF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP34.49%
EPS Next 2Y4.86%
EPS Next 3Y2.53%
CINF Yearly Income VS Free CF VS DividendCINF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B
CINF Dividend Payout.CINF Dividend Payout, showing the Payout Ratio.CINF Dividend Payout.PayoutRetained Earnings

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CINCINNATI FINANCIAL CORP

NASDAQ:CINF (5/20/2025, 4:20:03 PM)

After market: 150.17 0 (0%)

150.17

-0.78 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners68.72%
Inst Owner Change2.93%
Ins Owners1.71%
Ins Owner Change0.65%
Market Cap23.47B
Analysts76.25
Price Target155.04 (3.24%)
Short Float %1.48%
Short Ratio2.74
Dividend
Industry RankSector Rank
Dividend Yield 2.33%
Yearly Dividend3.13
Dividend Growth(5Y)7.5%
DP34.49%
Div Incr Years29
Div Non Decr Years29
Ex-Date06-23 2025-06-23 (0.87)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)61.94%
Min EPS beat(2)61.83%
Max EPS beat(2)62.05%
EPS beat(4)3
Avg EPS beat(4)37.66%
Min EPS beat(4)-4.79%
Max EPS beat(4)62.05%
EPS beat(8)6
Avg EPS beat(8)33.38%
EPS beat(12)8
Avg EPS beat(12)20.71%
EPS beat(16)12
Avg EPS beat(16)26.18%
Revenue beat(2)0
Avg Revenue beat(2)-6.18%
Min Revenue beat(2)-7.03%
Max Revenue beat(2)-5.33%
Revenue beat(4)2
Avg Revenue beat(4)4.58%
Min Revenue beat(4)-7.03%
Max Revenue beat(4)28.83%
Revenue beat(8)5
Avg Revenue beat(8)7.95%
Revenue beat(12)5
Avg Revenue beat(12)-1.15%
Revenue beat(16)7
Avg Revenue beat(16)3.8%
PT rev (1m)-3.18%
PT rev (3m)-1.41%
EPS NQ rev (1m)2.49%
EPS NQ rev (3m)3.73%
EPS NY rev (1m)8.65%
EPS NY rev (3m)-1.22%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)-1.25%
Revenue NY rev (3m)0.27%
Valuation
Industry RankSector Rank
PE 26.77
Fwd PE 18.04
P/S 2.14
P/FCF 9.07
P/OCF 9.01
P/B 1.71
P/tB 1.71
EV/EBITDA 11.88
EPS(TTM)5.61
EY3.74%
EPS(NY)8.32
Fwd EY5.54%
FCF(TTM)16.56
FCFY11.03%
OCF(TTM)16.67
OCFY11.1%
SpS70.17
BVpS87.77
TBVpS87.77
PEG (NY)N/A
PEG (5Y)2.15
Profitability
Industry RankSector Rank
ROA 3.88%
ROE 10.55%
ROCE 4.91%
ROIC 3.96%
ROICexc 4.07%
ROICexgc 4.4%
OM 16.68%
PM (TTM) 13.19%
GM N/A
FCFM 23.6%
ROA(3y)3.42%
ROA(5y)4.81%
ROE(3y)9.02%
ROE(5y)12.16%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y-12.84%
ROICexcg growth 5Y-4.6%
ROICexc growth 3Y-12.68%
ROICexc growth 5Y-4.37%
OM growth 3Y-12.75%
OM growth 5Y-4.23%
PM growth 3Y-12.9%
PM growth 5Y-4.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.29
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.34
Debt/EBITDA 0.45
Cap/Depr 12.59%
Cap/Sales 0.16%
Interest Coverage 250
Cash Conversion 132.08%
Profit Quality 178.85%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.95%
ROIC/WACC0.44
Cap/Depr(3y)14.94%
Cap/Depr(5y)17.13%
Cap/Sales(3y)0.2%
Cap/Sales(5y)0.2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-18.34%
EPS 3Y5.7%
EPS 5Y12.45%
EPS Q2Q%-113.95%
EPS Next Y-26.3%
EPS Next 2Y4.86%
EPS Next 3Y2.53%
EPS Next 5YN/A
Revenue 1Y (TTM)2.44%
Revenue growth 3Y5.59%
Revenue growth 5Y7.43%
Sales Q2Q%-12.57%
Revenue Next Year-2.6%
Revenue Next 2Y2.11%
Revenue Next 3Y2.65%
Revenue Next 5YN/A
EBIT growth 1Y-39.28%
EBIT growth 3Y-7.87%
EBIT growth 5Y2.89%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y23.89%
FCF growth 3Y10.14%
FCF growth 5Y17.28%
OCF growth 1Y23.86%
OCF growth 3Y10.17%
OCF growth 5Y17%