168.48 USD
+0.1 (+0.06%)
168.48 USD
0 (0%)
CINF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. CINF has only an average score on both its financial health and profitability. CINF does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year CINF was profitable.
In the past year CINF had a positive cash flow from operations.
Of the past 5 years CINF 4 years were profitable.
In the past 5 years CINF always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of CINF (5.23%) is better than 84.35% of its industry peers.
CINF has a better Return On Equity (13.77%) than 64.63% of its industry peers.
The Return On Invested Capital of CINF (5.32%) is better than 82.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.23% | ||
| ROE | 13.77% | ||
| ROIC | 5.32% |
ROA(3y)3.42%
ROA(5y)4.81%
ROE(3y)9.02%
ROE(5y)12.16%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of CINF (17.57%) is better than 83.67% of its industry peers.
In the last couple of years the Profit Margin of CINF has declined.
Looking at the Operating Margin, with a value of 22.12%, CINF belongs to the top of the industry, outperforming 81.63% of the companies in the same industry.
CINF's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.12% | ||
| PM (TTM) | 17.57% | ||
| 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
2. Health
2.1 Basic Checks
CINF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
CINF has less shares outstanding than it did 1 year ago.
The number of shares outstanding for CINF has been reduced compared to 5 years ago.
The debt/assets ratio for CINF has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CINF is 0.29, which is an excellent value as it means it would take CINF, only 0.29 years of fcf income to pay off all of its debts.
CINF has a Debt to FCF ratio of 0.29. This is amongst the best in the industry. CINF outperforms 88.44% of its industry peers.
A Debt/Equity ratio of 0.05 indicates that CINF is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.05, CINF belongs to the best of the industry, outperforming 80.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.29 | ||
| Altman-Z | N/A |
ROIC/WACC0.62
WACC8.54%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CINF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.05%, which is quite good.
Measured over the past years, CINF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.45% on average per year.
The Revenue has decreased by -0.63% in the past year.
CINF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.43% yearly.
EPS 1Y (TTM)15.05%
EPS 3Y5.7%
EPS 5Y12.45%
EPS Q2Q%100.7%
Revenue 1Y (TTM)-0.63%
Revenue growth 3Y5.59%
Revenue growth 5Y7.43%
Sales Q2Q%-25.06%
3.2 Future
CINF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.96% yearly.
Based on estimates for the next years, CINF will show a small growth in Revenue. The Revenue will grow by 4.45% on average per year.
EPS Next Y-5.5%
EPS Next 2Y7.03%
EPS Next 3Y6.96%
EPS Next 5YN/A
Revenue Next Year1.56%
Revenue Next 2Y2.63%
Revenue Next 3Y4.45%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 21.82, which indicates a rather expensive current valuation of CINF.
Based on the Price/Earnings ratio, CINF is valued a bit more expensive than the industry average as 74.15% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.15, CINF is valued at the same level.
A Price/Forward Earnings ratio of 19.43 indicates a rather expensive valuation of CINF.
Based on the Price/Forward Earnings ratio, CINF is valued a bit more expensive than the industry average as 73.47% of the companies are valued more cheaply.
CINF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.82 | ||
| Fwd PE | 19.43 |
4.2 Price Multiples
CINF's Enterprise Value to EBITDA ratio is in line with the industry average.
CINF's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.42 | ||
| EV/EBITDA | 9.11 |
4.3 Compensation for Growth
CINF has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.75
EPS Next 2Y7.03%
EPS Next 3Y6.96%
5. Dividend
5.1 Amount
CINF has a Yearly Dividend Yield of 2.13%. Purely for dividend investing, there may be better candidates out there.
CINF's Dividend Yield is comparable with the industry average which is at 3.46.
Compared to an average S&P500 Dividend Yield of 2.41, CINF has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
5.2 History
On average, the dividend of CINF grows each year by 7.50%, which is quite nice.
CINF has paid a dividend for at least 10 years, which is 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)7.5%
Div Incr Years29
Div Non Decr Years29
5.3 Sustainability
CINF pays out 24.36% of its income as dividend. This is a sustainable payout ratio.
CINF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP24.36%
EPS Next 2Y7.03%
EPS Next 3Y6.96%
168.48
+0.1 (+0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners70.26%
Inst Owner Change-0.46%
Ins Owners1.72%
Ins Owner Change0.25%
Market Cap26.29B
Revenue(TTM)12.08B
Net Income(TTM)2.12B
Analysts77.33
Price Target174.42 (3.53%)
Short Float %1.22%
Short Ratio3.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
Yearly Dividend3.13
Dividend Growth(5Y)7.5%
DP24.36%
Div Incr Years29
Div Non Decr Years29
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)36.84%
Min EPS beat(2)35.72%
Max EPS beat(2)37.96%
EPS beat(4)4
Avg EPS beat(4)49.39%
Min EPS beat(4)35.72%
Max EPS beat(4)62.05%
EPS beat(8)6
Avg EPS beat(8)29.86%
EPS beat(12)9
Avg EPS beat(12)29.68%
EPS beat(16)12
Avg EPS beat(16)23.17%
Revenue beat(2)1
Avg Revenue beat(2)-0.52%
Min Revenue beat(2)-14.88%
Max Revenue beat(2)13.85%
Revenue beat(4)1
Avg Revenue beat(4)-3.35%
Min Revenue beat(4)-14.88%
Max Revenue beat(4)13.85%
Revenue beat(8)5
Avg Revenue beat(8)8.3%
Revenue beat(12)6
Avg Revenue beat(12)4.85%
Revenue beat(16)7
Avg Revenue beat(16)1.9%
PT rev (1m)4.69%
PT rev (3m)5.56%
EPS NQ rev (1m)2.83%
EPS NQ rev (3m)4.83%
EPS NY rev (1m)7.39%
EPS NY rev (3m)27.42%
Revenue NQ rev (1m)-0.84%
Revenue NQ rev (3m)-0.7%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.82 | ||
| Fwd PE | 19.43 | ||
| P/S | 2.18 | ||
| P/FCF | 9.42 | ||
| P/OCF | 9.36 | ||
| P/B | 1.71 | ||
| P/tB | 1.71 | ||
| EV/EBITDA | 9.11 |
EPS(TTM)7.72
EY4.58%
EPS(NY)8.67
Fwd EY5.15%
FCF(TTM)17.89
FCFY10.62%
OCF(TTM)17.99
OCFY10.68%
SpS77.41
BVpS98.74
TBVpS98.74
PEG (NY)N/A
PEG (5Y)1.75
Graham Number130.97
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.23% | ||
| ROE | 13.77% | ||
| ROCE | 6.6% | ||
| ROIC | 5.32% | ||
| ROICexc | 5.52% | ||
| ROICexgc | 5.93% | ||
| OM | 22.12% | ||
| PM (TTM) | 17.57% | ||
| GM | N/A | ||
| FCFM | 23.11% |
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
ROICexgc growth 3Y-12.78%
ROICexgc growth 5Y-4.57%
ROICexc growth 3Y-12.63%
ROICexc growth 5Y-4.34%
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-Score6
Asset Turnover0.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.29 | ||
| Debt/EBITDA | 0.29 | ||
| Cap/Depr | 11.35% | ||
| Cap/Sales | 0.13% | ||
| Interest Coverage | 50.42 | ||
| Cash Conversion | 99.79% | ||
| Profit Quality | 131.53% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.54%
ROIC/WACC0.62
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)15.05%
EPS 3Y5.7%
EPS 5Y12.45%
EPS Q2Q%100.7%
EPS Next Y-5.5%
EPS Next 2Y7.03%
EPS Next 3Y6.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.63%
Revenue growth 3Y5.59%
Revenue growth 5Y7.43%
Sales Q2Q%-25.06%
Revenue Next Year1.56%
Revenue Next 2Y2.63%
Revenue Next 3Y4.45%
Revenue Next 5YN/A
EBIT growth 1Y-31.89%
EBIT growth 3Y-7.87%
EBIT growth 5Y2.89%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y33.35%
FCF growth 3Y10.14%
FCF growth 5Y17.28%
OCF growth 1Y33.29%
OCF growth 3Y10.17%
OCF growth 5Y17%
CINCINNATI FINANCIAL CORP / CINF 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 for CINF stock?
ChartMill assigns a valuation rating of 2 / 10 to CINCINNATI FINANCIAL CORP (CINF). This can be considered as Overvalued.
What is the profitability of CINF stock?
CINCINNATI FINANCIAL CORP (CINF) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for CINF stock?
The Price/Earnings (PE) ratio for CINCINNATI FINANCIAL CORP (CINF) is 21.82 and the Price/Book (PB) ratio is 1.71.
Can you provide the dividend sustainability for CINF stock?
The dividend rating of CINCINNATI FINANCIAL CORP (CINF) is 6 / 10 and the dividend payout ratio is 24.36%.