Cincinnati Financial Corp (CINF)
Financials · Property & Casualty Insurance · US stock · S&P 500 component
$171.25
▲ +4.03 (2.41%)
Fair valueFair
$186 +8.4% to fair value
$93fair band $111–$260$278
Day's range
$167.27 – $171.29
52-week range
$146.70 – $193.71
About Cincinnati Financial Corp
Cincinnati Financial is an insurance holding company whose main subsidiary sells commercial, personal and specialty property and casualty insurance through independent agents, mainly in the United States. It also offers life insurance and surplus lines coverage, and holds a large investment portfolio including equities. Revenue comes from premiums and investment income, so catastrophe losses and market movements affect results.
Revenue at Cincinnati Financial Corp was $14.0 billion across the last twelve months. Across three years, sales expanded by 24.4% a year. Operating profit was 30.2% of revenue. It earned a return on invested capital of 22%. Shareholders receive a dividend yielding 2.2%. On the site's X-Ray Score, it rates 65 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $146.70 – $193.71Volume 856,700Daily, split-adjusted
Vitals
Market cap$26.7B
52-week range$146.70 – $193.71
Volume (last day)856,700
P/E (TTM)8.1
EBIT / EV yield16.4%
Free-cash-flow yield12.8%
Dividend yield2.2%
Revenue (TTM)$14.0B
Net income (TTM)$3.3B
Operating margin30.2%
Return on capital21.5%
Debt incl. leases$859M
Cash & securities$1.9B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$186
Fair
+8.4% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is High, so the safety margin is 40%.
Price $171
Undervalued < $111Fair $111 – $260Overvalued > $260
Excess-return (bank)
$146
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Average business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Strong
78/100
Cheap against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield16.4%
Free-cash-flow yield12.8%
Fair value vs price1.1×
Growth
Fair
62/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)24.4%
Growth consistency70%
Profitability
Weak
49/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital21.5%
Operating margin30.2%
Financial health
Fair
66/100
Balance sheet is in typical shape for its sector.
See the numbers →
Piotroski F-Score6 / 9
Net debt / EBITDA-0.2×
Interest coverNo interest cost
Dividends
Fair
66/100
Dividend is typical for its sector.
See the numbers →
Dividend yield2.2%
Dividends vs free cash flow17%
Dividend growth7.5%
Quarterly results: last 6 quarters
-12.6%
Mar '25
+27.7%
Jun '25
+12.2%
Sep '25
+21.8%
Dec '25
+11.6%
Mar '26
+31.6%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $4.3B, diluted EPS $8.05.
Compare with peers
ACGL Arch Capital Group Ltd...67 HIG Hartford Insurance Gro...66 PGR Progressive Corp65 ALL Allstate Corp55Other Property & Casualty Insurance companies by X-Ray Score.
Fundamentals checklist
● 6 Good · ● 5 Average · ● 1 BadCash quality
Earnings backed by cashAverage
Free-cash-flow yieldGood
Risk models
Piotroski F-ScoreAverage
Growth
Free-cash-flow growth (3y)Average
Revenue growth (3y)Good
Growth consistencyBad
Balance sheet
Net debt / EBITDAGood
Interest coverGood
Valuation
Fair value vs priceAverage
EBIT / EV yieldGood
Profitability
Return on invested capitalGood
Operating marginAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 66/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $9.6B | $6.6B | $10.0B | $11.3B | $12.6B |
| Operating income | $3.8B | −$641M | $2.3B | $2.9B | $3.0B |
| Net income | $3.0B | −$487M | $1.8B | $2.3B | $2.4B |
| Operating cash flow | $2.0B | $2.1B | $2.1B | $2.6B | $3.1B |
| Operating margin | 39.0% | -9.8% | 23.3% | 25.7% | 24.0% |
| Free cash flow | $2.0B | $2.0B | $2.0B | $2.6B | $3.1B |
| Diluted EPS | $18.24 | $-3.06 | $11.66 | $14.53 | $15.17 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bullish
11 bullish · 1 neutral · 4 bearish
Weekly
Strongly bullish
9 bullish · 1 neutral · 2 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 165.2 | Bullish |
| EMA 10 | 166.1 | Bullish |
| SMA 20 | 163.8 | Bullish |
| EMA 20 | 165.6 | Bullish |
| SMA 50 | 167.7 | Bullish |
| EMA 50 | 167.5 | Bullish |
| SMA 100 | 170.7 | Bullish |
| EMA 100 | 168.1 | Bullish |
| SMA 200 | 165.8 | Bullish |
| EMA 200 | 165.2 | Bullish |
Oscillators (daily)
| RSI (14) | 63.95 | Neutral |
| MACD (12, 26) | -0.09 | Bearish |
| Momentum (12) | 7.45 | Bullish |
| Stochastic %K (14) | 99.67 | Bearish |
| Williams %R (14) | -0.33 | Bearish |
| CCI (20) | 204.4 | Bearish |
Pivot points (classic, last session)
S3 164.6 | S2 165.9 | S1 168.6 | Pivot 169.9 | R1 172.6 | R2 174.0 | R3 176.6 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
3.69 USD
Yield on today's price
2.15%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 23 Sep 2026 | 0.9400 |
| 23 Jun 2026 | 0.9400 |
| 24 Mar 2026 | 0.9400 |
| 22 Dec 2025 | 0.8700 |
| 22 Sep 2025 | 0.8700 |
| 23 Jun 2025 | 0.8700 |
| 24 Mar 2025 | 0.8700 |
| 19 Dec 2024 | 0.8100 |
| 17 Sep 2024 | 0.8100 |
| 18 Jun 2024 | 0.8100 |
| 18 Mar 2024 | 0.8100 |
| 18 Dec 2023 | 0.7500 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
CINF SEC filings
28 Sep 2026
8-KSEC EDGAR
Entered a material agreement
25 Aug 2026
8-KSEC EDGAR
Regulation FD disclosure; Other events
21 Aug 2026
8-KSEC EDGAR
Regulation FD disclosure
27 Jul 2026
10-QSEC EDGAR
Quarterly report
27 Jul 2026
8-KSEC EDGAR
Results of operations
22 Jun 2026
8-KSEC EDGAR
Director or officer change; Regulation FD disclosure
16 Jun 2026
8-KSEC EDGAR
Director or officer change; Regulation FD disclosure
19 May 2026
8-KSEC EDGAR
Regulation FD disclosure
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.