CINCINNATI FINANCIAL CORP (CINF) Fundamental Analysis & Valuation

NASDAQ:CINF • US1720621010

Current stock price

163.435 USD
-2.2 (-1.33%)
Last:

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

  • CINF had positive earnings in the past year.
  • In the past year CINF had a positive cash flow from operations.
  • Of the past 5 years CINF 4 years were profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B

1.2 Ratios

  • CINF has a better Return On Assets (5.84%) than 82.99% of its industry peers.
  • CINF has a better Return On Equity (15.04%) than 67.35% of its industry peers.
  • With a decent Return On Invested Capital value of 3.90%, CINF is doing good in the industry, outperforming 64.63% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for CINF is significantly below the industry average of 9.60%.
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)4.14%
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's Profit Margin of 18.95% is amongst the best of the industry. CINF outperforms 80.27% of its industry peers.
  • In the last couple of years the Profit Margin of CINF has grown nicely.
  • The Operating Margin of CINF (15.75%) is better than 65.31% 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CINF is destroying value.
  • The number of shares outstanding for CINF has been reduced compared to 1 year ago.
  • CINF has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CINF has an improved debt to assets ratio.
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.
  • With an excellent Debt to FCF ratio value of 0.26, CINF belongs to the best of the industry, outperforming 88.44% of the companies in the same industry.
  • 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 82.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.26
Altman-Z N/A
ROIC/WACC0.44
WACC8.84%
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

  • The Earnings Per Share has grown by an impressive 83.42% over the past year.
  • 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.
  • The Revenue has grown by 11.41% in the past year. This is quite good.
  • CINF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.88% yearly.
EPS 1Y (TTM)83.42%
EPS 3Y23.41%
EPS 5Y19.37%
EPS Q2Q%975%
Revenue 1Y (TTM)11.41%
Revenue growth 3Y24.43%
Revenue growth 5Y10.88%
Sales Q2Q%14.3%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.63% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 1.46% on average over the next years.
EPS Next Y8.71%
EPS Next 2Y8.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.58%
Revenue Next 2Y1.46%
Revenue Next 3YN/A
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.
  • 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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3

4. CINF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.88 indicates a correct valuation of CINF.
  • Based on the Price/Earnings ratio, CINF is valued a bit more expensive than the industry average as 72.79% of the companies are valued more cheaply.
  • CINF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.15.
  • Based on the Price/Forward Earnings ratio of 17.42, the valuation of CINF can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, CINF is valued a bit more expensive than the industry average as 70.75% of the companies are valued more cheaply.
  • CINF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.12, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.88
Fwd PE 17.42
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

  • CINF's Enterprise Value to EBITDA ratio is in line with the industry average.
  • CINF's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 8.23
EV/EBITDA 11.66
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 an expensive valuation of the company.
  • CINF has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.82
PEG (5Y)0.82
EPS Next 2Y8.63%
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

  • With a Yearly Dividend Yield of 2.27%, CINF has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.37, CINF pays a bit more dividend than its industry peers.
  • 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 2.27%

5.2 History

  • On average, the dividend of CINF grows each year by 7.79%, which is quite nice.
  • 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 Years30
Div Non Decr Years30
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.
  • The dividend of CINF is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP21.94%
EPS Next 2Y8.63%
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 (4/28/2026, 3:09:55 PM)

163.435

-2.2 (-1.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-27
Earnings (Next)N/A
Inst Owners71.06%
Inst Owner Change-0.14%
Ins Owners1.81%
Ins Owner Change1.41%
Market Cap25.45B
Revenue(TTM)12.63B
Net Income(TTM)2.39B
Analysts77.33
Price Target176.8 (8.18%)
Short Float %1.52%
Short Ratio2.88
Dividend
Industry RankSector Rank
Dividend Yield 2.27%
Yearly Dividend3.37
Dividend Growth(5Y)7.79%
DP21.94%
Div Incr Years30
Div Non Decr Years30
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%
PT rev (3m)-0.57%
EPS NQ rev (1m)-3.87%
EPS NQ rev (3m)-3.99%
EPS NY rev (1m)0.69%
EPS NY rev (3m)-0.97%
Revenue NQ rev (1m)1%
Revenue NQ rev (3m)-1.22%
Revenue NY rev (1m)0.91%
Revenue NY rev (3m)-1.52%
Valuation
Industry RankSector Rank
PE 15.88
Fwd PE 17.42
P/S 2.01
P/FCF 8.23
P/OCF 8.18
P/B 1.6
P/tB 1.6
EV/EBITDA 11.66
EPS(TTM)10.29
EY6.3%
EPS(NY)9.38
Fwd EY5.74%
FCF(TTM)19.86
FCFY12.15%
OCF(TTM)19.99
OCFY12.23%
SpS81.13
BVpS102.2
TBVpS102.2
PEG (NY)1.82
PEG (5Y)0.82
Graham Number153.822 (-5.88%)
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)4.14%
ROIC(5y)N/A
ROICexc(3y)4.27%
ROICexc(5y)N/A
ROICexgc(3y)4.59%
ROICexgc(5y)N/A
ROCE(3y)5.17%
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
WACC8.84%
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)83.42%
EPS 3Y23.41%
EPS 5Y19.37%
EPS Q2Q%975%
EPS Next Y8.71%
EPS Next 2Y8.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.41%
Revenue growth 3Y24.43%
Revenue growth 5Y10.88%
Sales Q2Q%14.3%
Revenue Next Year-3.58%
Revenue Next 2Y1.46%
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.


How profitable is CINCINNATI FINANCIAL CORP (CINF) stock?

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


Can you provide the financial health for CINF stock?

The financial health rating of CINCINNATI FINANCIAL CORP (CINF) is 5 / 10.


Is the dividend of CINCINNATI FINANCIAL CORP sustainable?

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