163.37 USD
-0.31 (-0.19%)
163.37 USD
0 (0%)
Overall CINF gets a fundamental rating of 4 out of 10. We evaluated CINF against 146 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.
1. Profitability
1.1 Basic Checks
- In the past year CINF was profitable.
- CINF had a positive operating cash flow in the past year.
- CINF had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years CINF had a positive operating cash flow.
1.2 Ratios
- CINF has a Return On Assets of 5.23%. This is amongst the best in the industry. CINF outperforms 84.93% of its industry peers.
- Looking at the Return On Equity, with a value of 13.77%, CINF is in the better half of the industry, outperforming 65.75% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 5.32%, CINF belongs to the best of the industry, outperforming 81.51% of the companies in the same industry.
| 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
- Looking at the Profit Margin, with a value of 17.57%, CINF belongs to the top of the industry, outperforming 84.93% of the companies in the same industry.
- In the last couple of years the Profit Margin of CINF has declined.
- CINF has a better Operating Margin (22.12%) than 79.45% of its industry peers.
- 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.
- 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.
- CINF has a better debt/assets ratio than last year.
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.
- Looking at the Debt to FCF ratio, with a value of 0.29, CINF belongs to the top of the industry, outperforming 89.04% of the companies in the same industry.
- A Debt/Equity ratio of 0.05 indicates that CINF is not too dependend on debt financing.
- The Debt to Equity ratio of CINF (0.05) is better than 81.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.29 | ||
| Altman-Z | N/A |
ROIC/WACC0.61
WACC8.68%
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.
- The Earnings Per Share has been growing by 12.45% on average over the past years. This is quite good.
- CINF shows a decrease in Revenue. In the last year, the revenue decreased by -0.63%.
- 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%12.23%
3.2 Future
- The Earnings Per Share is expected to grow by 7.57% on average over the next years.
- The Revenue is expected to grow by 4.10% on average over the next years.
EPS Next Y-1.71%
EPS Next 2Y7.44%
EPS Next 3Y7.57%
EPS Next 5YN/A
Revenue Next Year7.45%
Revenue Next 2Y2.35%
Revenue Next 3Y4.1%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 21.16 indicates a rather expensive valuation of CINF.
- Based on the Price/Earnings ratio, CINF is valued a bit more expensive than the industry average as 69.86% 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 27.54.
- CINF is valuated rather expensively with a Price/Forward Earnings ratio of 18.69.
- 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 69.18% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. CINF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.16 | ||
| Fwd PE | 18.69 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.13 | ||
| EV/EBITDA | 8.82 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.7
EPS Next 2Y7.44%
EPS Next 3Y7.57%
5. Dividend
5.1 Amount
- CINF has a Yearly Dividend Yield of 2.11%.
- CINF's Dividend Yield is comparable with the industry average which is at 2.42.
- CINF's Dividend Yield is comparable with the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
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
5.3 Sustainability
- CINF pays out 24.36% of its income as dividend. This is a 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.
DP24.36%
EPS Next 2Y7.44%
EPS Next 3Y7.57%
163.37
-0.31 (-0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-27 2025-10-27/amc
Earnings (Next)02-09 2026-02-09/amc
Inst Owners70.51%
Inst Owner Change0.22%
Ins Owners1.73%
Ins Owner Change0.15%
Market Cap25.49B
Revenue(TTM)12.08B
Net Income(TTM)2.12B
Analysts77.33
Price Target176.12 (7.8%)
Short Float %1.56%
Short Ratio4.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
Yearly Dividend3.13
Dividend Growth(5Y)7.5%
DP24.36%
Div Incr Years29
Div Non Decr Years29
Ex-DateN/A
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)0%
PT rev (3m)5.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.66%
EPS NY rev (1m)0%
EPS NY rev (3m)18.37%
Revenue NQ rev (1m)0.27%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)5.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.16 | ||
| Fwd PE | 18.69 | ||
| P/S | 2.11 | ||
| P/FCF | 9.13 | ||
| P/OCF | 9.08 | ||
| P/B | 1.65 | ||
| P/tB | 1.65 | ||
| EV/EBITDA | 8.82 |
EPS(TTM)7.72
EY4.73%
EPS(NY)8.74
Fwd EY5.35%
FCF(TTM)17.89
FCFY10.95%
OCF(TTM)17.99
OCFY11.01%
SpS77.41
BVpS98.74
TBVpS98.74
PEG (NY)N/A
PEG (5Y)1.7
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
WACC8.68%
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)15.05%
EPS 3Y5.7%
EPS 5Y12.45%
EPS Q2Q%100.7%
EPS Next Y-1.71%
EPS Next 2Y7.44%
EPS Next 3Y7.57%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.63%
Revenue growth 3Y5.59%
Revenue growth 5Y7.43%
Sales Q2Q%12.23%
Revenue Next Year7.45%
Revenue Next 2Y2.35%
Revenue Next 3Y4.1%
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 5 / 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 21.16 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 6 / 10 and the dividend payout ratio is 24.36%.