CINCINNATI FINANCIAL CORP (CINF) Fundamental Analysis & Valuation

NASDAQ:CINF • US1720621010

164.23 USD
+0.23 (+0.14%)
At close: Mar 12, 2026
164.23 USD
0 (0%)
After Hours: 3/12/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CINF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Taking everything into account, CINF scores 5 out of 10 in our fundamental rating. CINF was compared to 149 industry peers in the Insurance industry. Both the profitability and the financial health of CINF get a neutral evaluation. Nothing too spectacular is happening here. CINF is valied quite expensively at the moment, while it does show a decent growth rate. CINF also has an excellent dividend rating. These ratings could make CINF a good candidate for dividend investing.


Dividend Valuation Growth Profitability Health

6

1. CINF Profitability Analysis

1.1 Basic Checks

  • In the past year CINF was profitable.
  • In the past year CINF had a positive cash flow from operations.
  • CINF had positive earnings in 4 of the past 5 years.
  • In the past 5 years CINF always reported a positive cash flow from operatings.
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

  • With an excellent Return On Assets value of 5.84%, CINF belongs to the best of the industry, outperforming 84.56% of the companies in the same industry.
  • The Return On Equity of CINF (15.04%) is better than 69.80% of its industry peers.
  • CINF's Return On Invested Capital of 3.90% is fine compared to the rest of the industry. CINF outperforms 65.77% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CINF is significantly below the industry average of 15.25%.
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)5.08%
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

  • With an excellent Profit Margin value of 18.95%, CINF belongs to the best of the industry, outperforming 84.56% of the companies in the same industry.
  • CINF's Profit Margin has improved in the last couple of years.
  • CINF has a Operating Margin of 15.75%. This is in the better half of the industry: CINF outperforms 67.11% of its industry peers.
  • CINF's Operating Margin has declined in the last couple of years.
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

  • 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
  • Compared to 5 years ago, CINF has less shares outstanding
  • CINF has a better debt/assets ratio than last year.
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.
  • The Debt to FCF ratio of CINF (0.26) is better than 88.59% of its industry peers.
  • 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 82.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.26
Altman-Z N/A
ROIC/WACC0.45
WACC8.74%
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

  • CINF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.02%.
  • The Earnings Per Share has been growing by 19.37% on average over the past years. This is quite good.
  • 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%14.34%

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 8.16% yearly.
  • The Revenue is expected to grow by 1.10% on average over the next years.
EPS Next Y7.97%
EPS Next 2Y8.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.44%
Revenue Next 2Y1.1%
Revenue Next 3YN/A
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.
  • 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.
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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2

4. CINF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 20.66 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 75.17% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, CINF is valued at the same level.
  • A Price/Forward Earnings ratio of 19.13 indicates a rather expensive valuation of CINF.
  • 73.83% of the companies in the same industry are cheaper than CINF, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of CINF to the average of the S&P500 Index (23.82), we can say CINF is valued inline with the index average.
Industry RankSector Rank
PE 20.66
Fwd PE 19.13
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 is on the same level as the industry average.
  • CINF's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 8.27
EV/EBITDA 11.53
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 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)2.59
PEG (5Y)1.07
EPS Next 2Y8.16%
EPS Next 3YN/A

More info and screens

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

7

5. CINF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.26%, CINF has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.89, CINF has a dividend in line with 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 2.26%

5.2 History

  • The dividend of CINF is nicely growing with an annual growth rate of 7.79%!
  • 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 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 21.94% 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.
DP21.94%
EPS Next 2Y8.16%
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 (3/12/2026, 8:00:01 PM)

After market: 164.23 0 (0%)

164.23

+0.23 (+0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-09
Earnings (Next)04-27
Inst Owners71.05%
Inst Owner Change2.18%
Ins Owners1.75%
Ins Owner Change1.41%
Market Cap25.56B
Revenue(TTM)12.63B
Net Income(TTM)2.39B
Analysts77.33
Price Target177.14 (7.86%)
Short Float %1.57%
Short Ratio3.45
Dividend
Industry RankSector Rank
Dividend Yield 2.26%
Yearly Dividend3.37
Dividend Growth(5Y)7.79%
DP21.94%
Div Incr Years29
Div Non Decr Years29
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)-0.65%
PT rev (3m)0.58%
EPS NQ rev (1m)1.38%
EPS NQ rev (3m)1.02%
EPS NY rev (1m)-1.08%
EPS NY rev (3m)-1.78%
Revenue NQ rev (1m)-2.2%
Revenue NQ rev (3m)-1.47%
Revenue NY rev (1m)-1.72%
Revenue NY rev (3m)-1.72%
Valuation
Industry RankSector Rank
PE 20.66
Fwd PE 19.13
P/S 2.02
P/FCF 8.27
P/OCF 8.21
P/B 1.61
P/tB 1.61
EV/EBITDA 11.53
EPS(TTM)7.95
EY4.84%
EPS(NY)8.58
Fwd EY5.23%
FCF(TTM)19.87
FCFY12.1%
OCF(TTM)20
OCFY12.18%
SpS81.17
BVpS102.24
TBVpS102.24
PEG (NY)2.59
PEG (5Y)1.07
Graham Number135.24
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)5.08%
ROIC(5y)N/A
ROICexc(3y)5.23%
ROICexc(5y)N/A
ROICexgc(3y)5.62%
ROICexgc(5y)N/A
ROCE(3y)6.33%
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
WACC8.74%
ROIC/WACC0.45
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)5.02%
EPS 3Y23.41%
EPS 5Y19.37%
EPS Q2Q%7.32%
EPS Next Y7.97%
EPS Next 2Y8.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.41%
Revenue growth 3Y24.43%
Revenue growth 5Y10.88%
Sales Q2Q%14.34%
Revenue Next Year-4.44%
Revenue Next 2Y1.1%
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 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.


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 20.66 and the Price/Book (PB) ratio is 1.61.


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 21.94%.