Stock · CINF · Financial Services
United States · Large Cap · listed since 1990 · Revenue 12 mo. $13.3B
Price as of 11/06/2026
Cincinnati Financial Corporation provides property casualty insurance products in the United States.
Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance; universal life insurance; and worksite and whole life insurance products, as well as annuities. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. The company was founded in 1950 and is headquartered in Fairfield, Ohio.
Original text from the data provider
Summary
63.8 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €13.7B, market value €25.2B (P/B 1.8). At a 9% discount rate, the premium over book value only pays off with a lasting 16.6% return on equity.
Required return on equity per year
16.6%
no perpetual growth
Price to book 1.84×, above its usual range.
Middle half of 19 quarters: 1.51× to 1.65×, median 1.57×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q2 → Q3 2026
1 more unchanged: Revenue, 12 mo.
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 15.04% | 12.46% | Rank 65 |
| Return on capital (Greenblatt) | 53.68% | 59.04% | Rank 48 |
| EBIT margin | 23.59% | 23.06% | Rank 51 |
| FCF margin | 24.48% | 19.82% | Rank 60 |
| Gross margin | 47.43% | 65.53% | Rank 23 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 11.41% | 7.39% | Rank 62 |
| Earnings growth, 3 years per yeardoes not count towards the rank | – | 15.20% | |
| Earnings growth, 5 years per year | 15.17% | 15.17% | Rank 50 |
| Sustainable growth (ROE × retained earnings) | 0.16% | 1.25% | Rank 16 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 8.18% | 6.47% | Rank 73 |
| FCF yield | 11.01% | 7.16% | Rank 68 |
| EV/saleslower is better | 0.73 | 2.82 | Rank 80 |
| EV/EBITlower is better | 3.11 | 14.24 | Rank 96 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 5.33% | 7.80% | Rank 46 |
| Share price, 6 months | 15.33% | 8.71% | Rank 73 |
| Share price, 3 months | 10.01% | 0.45% | Rank 81 |
| Distance from 52-week high | −3.41% | −10.68% | Rank 84 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 2.51% | 1.23% | Rank 36 |
| Change in share countlower is better | −0.03% | −0.60% | Rank 41 |
| Dividend streak in years | 7 | 5 | Rank 66 |
| Price reaction to results, market-adjusted | 1.65% | 0.00% | Rank 75 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 38.81% | 9.21% | Rank 87 |
| Net debt/EBITDAlower is better | −5.88 | 0.12 | Rank 82 |
| Debt to equitylower is better | 0.06 | 0.90 | Rank 95 |
| Volatility, 1 yearlower is better | 20.49% | 25.95% | Rank 82 |
Ten years in figures
| Year | Revenue, $B | Net income | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 5.4 | $591.0M | 8.4% | 167M |
| 2017 | 5.7 | $1.0B | 12.7% | 166M |
| 2018 | 5.4 | $287.0M | 3.7% | 165M |
| 2019 | 7.9 | $2.0B | 20.3% | 165M |
| 2020 | 7.5 | $1.2B | 11.3% | 162M |
| 2021 | 9.6 | $3.0B | 22.7% | 163M |
| 2022 | 6.6 | −$487.0M | −4.6% | 159M |
| 2023 | 10.0 | $1.8B | 15.2% | 158M |
| 2024 | 11.3 | $2.3B | 16.5% | 158M |
| 2025 | 12.6 | $2.4B | 15.0% | 158M |
3 of 7 StockScorer Score rules met · How the score is built
Cincinnati Financial Corporation mainly meets criteria in the Valuation category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Cincinnati Financial Corporation. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
3 of 7 rules met
5 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Cincinnati Financial Corporation.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 12.2 | 15.2 |
| P/B ratio | 1.8 | 1.8 |
| Return on equity (ROE) | 15.0% | 12.5% |
| Equity ratio | 38.8% | 9.2% |
| Debt-to-equity (D/E) | 0.06 | 0.90 |
| Dividend yield | 2.0% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| CINF | Cincinnati Financial Corporationthis page | |
| WRB | W. R. Berkley Corp | Low4.5 |
| MKL | Markel Corporation | locked |
| L | Loews Corp | Low2.7 |
| AIZ | Assurant, Inc. | locked |
| CNA | CNA Financial Corporation | locked |
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