CINF Fundamental Analysis - CINCINNATI FINANCIAL CORP

Fundamental Rating

Overall CINF gets a fundamental rating of 4 out of 10. We evaluated CINF 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.

Quickly go to:

1. Profitability

1.1 Basic Checks

CINF had positive earnings in the past year.

CINF had a positive operating cash flow in the past year.

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.

1.2 Ratios

CINF's Return On Assets of 3.88% is amongst the best of the industry. CINF outperforms 81.12% of its industry peers.

CINF has a Return On Equity (10.55%) which is comparable to the rest of the industry.

CINF has a Return On Invested Capital of 3.96%. This is in the better half of the industry: CINF outperforms 77.62% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

CINF has a better Profit Margin (13.19%) than 77.62% of its industry peers.

In the last couple of years the Profit Margin of CINF has declined.

The Operating Margin of CINF (16.68%) is better than 72.73% of its industry peers.

CINF's Operating Margin has declined in the last couple of years.

		Industry Rank	Sector 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CINF is destroying value.

Compared to 1 year ago, CINF has less shares outstanding

CINF has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, CINF has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of CINF is 0.31, which is an excellent value as it means it would take CINF, only 0.31 years of fcf income to pay off all of its debts.

CINF has a Debt to FCF ratio of 0.31. This is amongst the best in the industry. CINF outperforms 87.41% of its industry peers.

A Debt/Equity ratio of 0.06 indicates that CINF is not too dependend on debt financing.

The Debt to Equity ratio of CINF (0.06) is better than 84.62% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.31
Altman-Z	N/A

ROIC/WACC0.44

WACC9.02%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for CINF have decreased strongly by -18.34% in the last year.

The Earnings Per Share has been growing by 12.45% on average over the past years. This is quite good.

The Revenue has been growing slightly by 2.44% in the past 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

The Earnings Per Share is expected to grow by 2.53% on average over the next years.

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

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 26.55 indicates a quite expensive valuation of CINF.

Based on the Price/Earnings ratio, CINF is valued a bit more expensive than 74.13% of the companies in the same industry.

CINF is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.53, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 17.90, which indicates a rather expensive current valuation of CINF.

CINF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CINF is more expensive than 68.53% of the companies in the same industry.

CINF is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.27, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	26.55
Fwd PE	17.9

4.2 Price Multiples

CINF's Enterprise Value to EBITDA is on the same level as the industry average.

CINF's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	9
EV/EBITDA	11.85

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)2.13

EPS Next 2Y4.86%

EPS Next 3Y2.53%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

CINF has a Yearly Dividend Yield of 2.32%.

Compared to an average industry Dividend Yield of 3.10, CINF pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.39, CINF has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.32%

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

5.3 Sustainability

CINF pays out 34.49% of its income as dividend. This is a 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%

More info and screens

Find the best dividend stocks

Show peers with best dividend

CINCINNATI FINANCIAL CORP

NASDAQ:CINF (6/9/2025, 8:18:59 PM)

After market: 148.97 0 (0%)

148.97

-2.06 (-1.36%)

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 Change2.99%

Ins Owners1.71%

Ins Owner Change0.89%

Market Cap23.28B

Analysts76.25

Price Target155.89 (4.65%)

Short Float %1.39%

Short Ratio2.97

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.32%

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)0.55%

PT rev (3m)-2.65%

EPS NQ rev (1m)1%

EPS NQ rev (3m)3.57%

EPS NY rev (1m)8.65%

EPS NY rev (3m)6.21%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.6%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.69%

Valuation

		Industry Rank	Sector Rank
PE	26.55
Fwd PE	17.9
P/S	2.12
P/FCF	9
P/OCF	8.93
P/B	1.7
P/tB	1.7
EV/EBITDA	11.85

EPS(TTM)5.61

EY3.77%

EPS(NY)8.32

Fwd EY5.59%

FCF(TTM)16.56

FCFY11.11%

OCF(TTM)16.67

OCFY11.19%

SpS70.17

BVpS87.77

TBVpS87.77

PEG (NY)N/A

PEG (5Y)2.13

Profitability

		Industry Rank	Sector Rank
ROA	3.88%
ROE	10.55%
ROCE	4.92%
ROIC	3.96%
ROICexc	4.07%
ROICexgc	4.41%
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-12.78%

ROICexcg 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-Score5

Asset Turnover0.29

Health

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.31
Debt/EBITDA	0.41
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

WACC9.02%

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%

CINCINNATI FINANCIAL CORP (CINF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens