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CINCINNATI FINANCIAL CORP (CINF) Stock Fundamental Analysis

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

146.3  -2.26 (-1.52%)

After market: 146.3 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CINF. CINF was compared to 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

In the past year CINF was profitable.
CINF had a positive operating cash flow in the past year.
Of the past 5 years CINF 4 years were profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

1.2 Ratios

The Return On Assets of CINF (3.88%) is better than 79.72% of its industry peers.
CINF has a Return On Equity (10.55%) which is in line with its industry peers.
CINF's Return On Invested Capital of 3.96% is fine compared to the rest of the industry. CINF outperforms 76.92% 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

The Profit Margin of CINF (13.19%) is better than 76.92% 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 16.68%, CINF is in the better half of the industry, outperforming 70.63% of the companies in the same industry.
CINF's Operating Margin has declined in the last couple of years.
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.
Compared to 1 year ago, CINF has less shares outstanding
The number of shares outstanding for CINF has been reduced compared to 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

CINF has a debt to FCF ratio of 0.34. This is a very positive value and a sign of high solvency as it would only need 0.34 years to pay back of all of its debts.
CINF's Debt to FCF ratio of 0.34 is amongst the best of 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.
CINF's Debt to Equity ratio of 0.06 is amongst the best of the industry. CINF outperforms 84.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.34
Altman-Z N/A
ROIC/WACC0.44
WACC8.94%
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

CINF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.34%.
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.
CINF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.43% yearly.
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%-10.29%

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 4.37% on average per year.
The Revenue is expected to grow by 2.65% on average over the next years.
EPS Next Y-32.16%
EPS Next 2Y4.37%
EPS Next 3YN/A
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.
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 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 2 4 6 8

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 26.08 indicates a quite expensive valuation of CINF.
Based on the Price/Earnings ratio, CINF is valued a bit more expensive than the industry average as 73.43% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 24.85. CINF is around the same levels.
CINF is valuated rather expensively with a Price/Forward Earnings ratio of 17.74.
CINF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CINF is more expensive than 67.13% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CINF to the average of the S&P500 Index (20.89), we can say CINF is valued inline with the index average.
Industry RankSector Rank
PE 26.08
Fwd PE 17.74
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

The rest of the industry has a similar Enterprise Value to EBITDA ratio as CINF.
The rest of the industry has a similar Price/Free Cash Flow ratio as CINF.
Industry RankSector Rank
P/FCF 8.84
EV/EBITDA 11.69
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)2.09
EPS Next 2Y4.37%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.37%, CINF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.19, CINF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, CINF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.37%

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 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.
CINF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP34.49%
EPS Next 2Y4.37%
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 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 (5/14/2025, 8:00:00 PM)

After market: 146.3 0 (0%)

146.3

-2.26 (-1.52%)

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 Change0.9%
Ins Owners1.71%
Ins Owner Change0.65%
Market Cap22.87B
Analysts76.25
Price Target155.04 (5.97%)
Short Float %1.48%
Short Ratio2.74
Dividend
Industry RankSector Rank
Dividend Yield 2.37%
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)-4.97%
Min Revenue beat(2)-5.33%
Max Revenue beat(2)-4.6%
Revenue beat(4)2
Avg Revenue beat(4)5.18%
Min Revenue beat(4)-5.33%
Max Revenue beat(4)28.83%
Revenue beat(8)5
Avg Revenue beat(8)8.25%
Revenue beat(12)5
Avg Revenue beat(12)-0.95%
Revenue beat(16)7
Avg Revenue beat(16)3.96%
PT rev (1m)-3.18%
PT rev (3m)-1.41%
EPS NQ rev (1m)1.75%
EPS NQ rev (3m)3.43%
EPS NY rev (1m)-2.48%
EPS NY rev (3m)-30.56%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)2.08%
Revenue NY rev (1m)-1.25%
Revenue NY rev (3m)0.27%
Valuation
Industry RankSector Rank
PE 26.08
Fwd PE 17.74
P/S 2.08
P/FCF 8.84
P/OCF 8.77
P/B 1.67
P/tB 1.67
EV/EBITDA 11.69
EPS(TTM)5.61
EY3.83%
EPS(NY)8.25
Fwd EY5.64%
FCF(TTM)16.56
FCFY11.32%
OCF(TTM)16.67
OCFY11.4%
SpS70.17
BVpS87.77
TBVpS87.77
PEG (NY)N/A
PEG (5Y)2.09
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
WACC8.94%
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-32.16%
EPS Next 2Y4.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.44%
Revenue growth 3Y5.59%
Revenue growth 5Y7.43%
Sales Q2Q%-10.29%
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%