CINCINNATI FINANCIAL CORP (CINF) Stock Fundamental Analysis

NASDAQ:CINF • US1720621010

162.995 USD
-2.12 (-1.28%)
Last: Feb 13, 2026, 10:33 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, CINF scores 4 out of 10 in our fundamental rating. CINF was compared to 149 industry peers in the Insurance industry. CINF has an average financial health and profitability rating. CINF has a expensive valuation and it also scores bad on growth. CINF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

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.
  • The reported net income has been mixed in the past 5 years: CINF reported negative net income in multiple years.
  • CINF had a positive operating cash flow in 4 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 0 1B 2B 3B

1.2 Ratios

  • The Return On Assets of CINF (5.23%) is better than 85.23% of its industry peers.
  • CINF's Return On Equity of 13.77% is fine compared to the rest of the industry. CINF outperforms 66.44% of its industry peers.
  • CINF has a better Return On Invested Capital (5.32%) than 79.87% of its industry peers.
Industry RankSector 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
CINF Yearly ROA, ROE, ROICCINF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

1.3 Margins

  • The Profit Margin of CINF (17.57%) is better than 85.23% of its industry peers.
  • In the last couple of years the Profit Margin of CINF has declined.
  • CINF has a Operating Margin of 22.12%. This is in the better half of the industry: CINF outperforms 78.52% of its industry peers.
  • In the last couple of years the Operating Margin of CINF has declined.
Industry RankSector 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
CINF Yearly Profit, Operating, Gross MarginsCINF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CINF is destroying value.
  • There is no outstanding debt for CINF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CINF Yearly Shares OutstandingCINF Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

  • CINF has a debt to FCF ratio of 0.29. This is a very positive value and a sign of high solvency as it would only need 0.29 years to pay back of all of its debts.
  • CINF has a Debt to FCF ratio of 0.29. This is amongst the best in the industry. CINF outperforms 89.26% of its industry peers.
  • 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 81.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.29
Altman-Z N/A
ROIC/WACC0.61
WACC8.71%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • CINF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.02%.
  • CINF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.37% yearly.
EPS 1Y (TTM)5.02%
EPS 3Y23.41%
EPS 5Y19.37%
EPS Q2Q%7.32%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.79%

3.2 Future

  • CINF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.58% yearly.
  • Based on estimates for the next years, CINF will show a small growth in Revenue. The Revenue will grow by 2.23% on average per year.
EPS Next Y9.15%
EPS Next 2Y8.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.77%
Revenue Next 2Y2.23%
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.
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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 20.50, which indicates a rather expensive current valuation of CINF.
  • Based on the Price/Earnings ratio, CINF is valued a bit more expensive than 71.14% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CINF to the average of the S&P500 Index (27.67), we can say CINF is valued slightly cheaper.
  • CINF is valuated rather expensively with a Price/Forward Earnings ratio of 18.78.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CINF indicates a slightly more expensive valuation: CINF is more expensive than 69.13% of the companies listed in the same industry.
  • CINF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.69.
Industry RankSector Rank
PE 20.5
Fwd PE 18.78
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 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 9.11
EV/EBITDA 8.92
CINF Per share dataCINF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.24
PEG (5Y)1.06
EPS Next 2Y8.58%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • CINF has a Yearly Dividend Yield of 2.30%.
  • CINF's Dividend Yield is a higher than the industry average which is at 2.18.
  • Compared to an average S&P500 Dividend Yield of 1.80, CINF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.3%

5.2 History

  • The dividend of CINF is nicely growing with an annual growth rate of 7.50%!
  • 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)7.5%
Div Incr Years29
Div Non Decr Years29
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

  • CINF pays out 24.36% of its income as dividend. This is a sustainable payout ratio.
  • CINF's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP24.36%
EPS Next 2Y8.58%
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 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 (2/13/2026, 10:33:43 AM)

162.995

-2.12 (-1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-09
Earnings (Next)04-27
Inst Owners70.51%
Inst Owner Change-1.54%
Ins Owners1.73%
Ins Owner Change0.18%
Market Cap25.43B
Revenue(TTM)N/A
Net Income(TTM)2.12B
Analysts77.33
Price Target178.3 (9.39%)
Short Float %1.59%
Short Ratio4.14
Dividend
Industry RankSector Rank
Dividend Yield 2.3%
Yearly Dividend3.13
Dividend Growth(5Y)7.5%
DP24.36%
Div Incr Years29
Div Non Decr Years29
Ex-Date03-24
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)2
Avg Revenue beat(2)20.66%
Min Revenue beat(2)13.85%
Max Revenue beat(2)27.47%
Revenue beat(4)2
Avg Revenue beat(4)7.24%
Min Revenue beat(4)-7.03%
Max Revenue beat(4)27.47%
Revenue beat(8)6
Avg Revenue beat(8)13.6%
Revenue beat(12)7
Avg Revenue beat(12)8.38%
Revenue beat(16)8
Avg Revenue beat(16)4.55%
PT rev (1m)1.24%
PT rev (3m)3.94%
EPS NQ rev (1m)4.47%
EPS NQ rev (3m)6.75%
EPS NY rev (1m)1.49%
EPS NY rev (3m)13.35%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)-0.8%
Revenue NY rev (1m)-0.42%
Revenue NY rev (3m)5.28%
Valuation
Industry RankSector Rank
PE 20.5
Fwd PE 18.78
P/S 2.11
P/FCF 9.11
P/OCF 9.06
P/B 1.65
P/tB 1.65
EV/EBITDA 8.92
EPS(TTM)7.95
EY4.88%
EPS(NY)8.68
Fwd EY5.32%
FCF(TTM)17.89
FCFY10.97%
OCF(TTM)17.99
OCFY11.04%
SpS77.41
BVpS98.74
TBVpS98.74
PEG (NY)2.24
PEG (5Y)1.06
Graham Number132.9
Profitability
Industry RankSector 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 RankSector 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
WACC8.71%
ROIC/WACC0.61
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)5.02%
EPS 3Y23.41%
EPS 5Y19.37%
EPS Q2Q%7.32%
EPS Next Y9.15%
EPS Next 2Y8.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.79%
Revenue Next Year-2.77%
Revenue Next 2Y2.23%
Revenue Next 3YN/A
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 4 / 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.


Can you provide the profitability details for CINCINNATI FINANCIAL CORP?

CINCINNATI FINANCIAL CORP (CINF) has a profitability rating of 4 / 10.


What are the PE and PB ratios of CINCINNATI FINANCIAL CORP (CINF) stock?

The Price/Earnings (PE) ratio for CINCINNATI FINANCIAL CORP (CINF) is 20.5 and the Price/Book (PB) ratio is 1.65.


How sustainable is the dividend of CINCINNATI FINANCIAL CORP (CINF) stock?

The dividend rating of CINCINNATI FINANCIAL CORP (CINF) is 7 / 10 and the dividend payout ratio is 24.36%.