CINCINNATI FINANCIAL CORP (CINF) Stock Fundamental Analysis
NASDAQ:CINF • US1720621010
162.77 USD
-2.34 (-1.42%)
At close: Feb 13, 2026
162.77 USD
0 (0%)
After Hours: 2/13/2026, 8:00:00 PM
CINF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. CINF has an average financial health and profitability rating. CINF is quite expensive at the moment. It does show a decent growth rate. CINF also has an excellent dividend rating. This makes CINF very considerable for dividend investing!
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.
- Of the past 5 years CINF 4 years were profitable.
- Of the past 5 years CINF 4 years had a positive operating cash flow.
1.2 Ratios
- CINF has a better Return On Assets (5.23%) than 83.22% of its industry peers.
- The Return On Equity of CINF (13.77%) is better than 67.11% of its industry peers.
- With an excellent Return On Invested Capital value of 5.29%, CINF belongs to the best of the industry, outperforming 80.54% 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 15.11%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.23% | ||
| ROE | 13.77% | ||
| ROIC | 5.29% |
ROA(3y)5.91%
ROA(5y)5.1%
ROE(3y)15.57%
ROE(5y)12.92%
ROIC(3y)6.02%
ROIC(5y)N/A
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 grown nicely.
- CINF has a better Operating Margin (22.12%) than 76.51% of its industry peers.
- CINF's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.12% | ||
| PM (TTM) | 17.57% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y3.11%
PM growth 3YN/A
PM growth 5Y3.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CINF is destroying value.
- CINF has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, CINF has less shares outstanding
- 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 89.26% of the companies in the same industry.
- A Debt/Equity ratio of 0.05 indicates that CINF is not too dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.05, CINF belongs to the best of the industry, outperforming 81.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.29 | ||
| Altman-Z | N/A |
ROIC/WACC0.62
WACC8.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 5.02% over the past year.
- CINF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.37% yearly.
- Looking at the last year, CINF shows a quite strong growth in Revenue. The Revenue has grown by 11.41% in the last year.
- 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)5.02%
EPS 3Y23.41%
EPS 5Y19.37%
EPS Q2Q%7.32%
Revenue 1Y (TTM)11.41%
Revenue growth 3Y24.43%
Revenue growth 5Y10.88%
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.
- CINF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.05% yearly.
EPS Next Y9.15%
EPS Next 2Y8.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.84%
Revenue Next 2Y1.05%
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 20.47 indicates a rather expensive 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 (27.19), we can say CINF is valued slightly cheaper.
- CINF is valuated rather expensively with a Price/Forward Earnings ratio of 18.76.
- Based on the Price/Forward Earnings ratio, CINF is valued a bit more expensive than the industry average as 68.46% of the companies are valued more cheaply.
- CINF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.47 | ||
| Fwd PE | 18.76 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CINF indicates a somewhat cheap valuation: CINF is cheaper than 60.40% of the companies listed in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CINF is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.1 | ||
| EV/EBITDA | 8.79 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CINF does not grow enough to justify the current Price/Earnings ratio.
- The decent profitability rating of CINF may justify a higher PE ratio.
PEG (NY)2.24
PEG (5Y)1.06
EPS Next 2Y8.58%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CINF has a Yearly Dividend Yield of 2.31%.
- Compared to an average industry Dividend Yield of 2.68, 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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
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 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
5.3 Sustainability
- 24.36% 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.
DP24.36%
EPS Next 2Y8.58%
EPS Next 3YN/A
162.77
-2.34 (-1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-09 2026-02-09/amc
Earnings (Next)04-27 2026-04-27
Inst Owners70.51%
Inst Owner Change0.88%
Ins Owners1.73%
Ins Owner Change0.21%
Market Cap25.40B
Revenue(TTM)12.63B
Net Income(TTM)2.12B
Analysts77.33
Price Target178.3 (9.54%)
Short Float %1.59%
Short Ratio4.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
Yearly Dividend3.13
Dividend Growth(5Y)7.5%
DP24.36%
Div Incr Years29
Div Non Decr Years29
Ex-Date03-24 2026-03-24 (0.94)
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)1.45%
EPS NQ rev (3m)4.98%
EPS NY rev (1m)0.51%
EPS NY rev (3m)5.55%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)-0.42%
Revenue NY rev (3m)5.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.47 | ||
| Fwd PE | 18.76 | ||
| P/S | 2.1 | ||
| P/FCF | 9.1 | ||
| P/OCF | 9.05 | ||
| P/B | 1.65 | ||
| P/tB | 1.65 | ||
| EV/EBITDA | 8.79 |
EPS(TTM)7.95
EY4.88%
EPS(NY)8.68
Fwd EY5.33%
FCF(TTM)17.89
FCFY10.99%
OCF(TTM)17.99
OCFY11.05%
SpS77.41
BVpS98.74
TBVpS98.74
PEG (NY)2.24
PEG (5Y)1.06
Graham Number132.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.23% | ||
| ROE | 13.77% | ||
| ROCE | 6.6% | ||
| ROIC | 5.29% | ||
| ROICexc | 5.49% | ||
| ROICexgc | 5.91% | ||
| OM | 22.12% | ||
| PM (TTM) | 17.57% | ||
| GM | N/A | ||
| FCFM | 23.11% |
ROA(3y)5.91%
ROA(5y)5.1%
ROE(3y)15.57%
ROE(5y)12.92%
ROIC(3y)6.02%
ROIC(5y)N/A
ROICexc(3y)6.21%
ROICexc(5y)N/A
ROICexgc(3y)6.67%
ROICexgc(5y)N/A
ROCE(3y)7.51%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y5.5%
ROICexc growth 3YN/A
ROICexc growth 5Y5.63%
OM growth 3YN/A
OM growth 5Y3.11%
PM growth 3YN/A
PM growth 5Y3.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
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-Score5
WACC8.57%
ROIC/WACC0.62
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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)11.41%
Revenue growth 3Y24.43%
Revenue growth 5Y10.88%
Sales Q2Q%21.79%
Revenue Next Year-3.84%
Revenue Next 2Y1.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-31.89%
EBIT growth 3YN/A
EBIT growth 5Y14.32%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y9.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.63%
OCF growth 3YN/A
OCF growth 5YN/A
CINCINNATI FINANCIAL CORP / CINF 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 3 / 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 6 / 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 20.47 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%.