CINF
Cincinnati Financial
$177.84
▼ 0.7%Updated Aug 7, 11:30 AM ET
CINF at a glance — five pillars scored 0–100 from real filed financials.
Overall: Strong · 79/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 16.8% over the last 12 months
Market Cap
$29.70B
P/E
9.94x
Forward P/E (est.)
7.1x
ROE
18.0%
Revenue Growth
18.8%
EPS Growth
90.8%
Profit Margin
21.2%
FCF Yield
6.7%
Debt / Equity
0.05x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
2.2%
Implied Growth (rev. DCF)
-1.3%
Rating Score
79/100
Cincinnati Financial (CINF) is a large-cap company in the Property & Casualty Insurance industry, part of the Financials sector of the S&P 500, with a market value around $29.70B.
In its latest reported year it generated about $12.63B in revenue and $2.39B in net profit.
Our model rates CINF Strong (79/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what CINF's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. CINF trades near $177.84, above its 50-day average ($167.66) and 200-day average ($163.27). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 89 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. CINF's is $3.92 (~2.2% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month CINF found buyers near $160.00 (support) and sellers near $192.09 (resistance); its 52-week range is $143.87–$192.09. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.9× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
7.0%
Revenue moved from $5.45B in 2016 to $12.63B in 2025, a 9.8% compound annual growth rate. The most recent year grew a strong 18.8% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
19.5%
Net Margin
18.9%
ROE
18.0%
Cincinnati Financial keeps about 21.2% of each sales dollar as net profit. Return on equity is 18.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$791.00M
Net Debt
-$419.00M
Net cash position
Net Debt / EBITDA
—
Debt / Equity
0.05x
Leverage: debt-to-equity is 0.1x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $791.00M of total debt against $1.21B of cash.
Operating CF
$3.11B
Free Cash Flow
$3.09B
FCF Margin
24.5%
In the latest year Cincinnati Financial produced about $3.11B of operating cash flow and $3.09B of free cash flow after capital spending. That is a free-cash-flow yield of about 6.7% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
2.2%
Per share (latest FY)
$3.48
Total paid (latest FY)
$525.00M
History on record
10 years
dividend uses 17% of free cash flow
22% of net income paid out
total dividends increased 7 years in a row
payout was cut at least once in the last 10 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
9.94x
P/S
2.09x
P/B
1.66x
EV / EBITDA
—
CINF trades at 9.9x trailing earnings (about 7.1x on estimated forward earnings), 2.1x sales, and 1.7x book value. Reverse-engineering today's price implies the market expects roughly -1.3% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$777.19
Current price
$177.84
Starting FCF (latest 10-K)
$3.09B
Growth, years 1–5
18.8%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where CINF sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How CINF stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), CINF ranks #14 of 289 by our overall rating. It trades at a discount versus the sector on earnings (9.9x P/E vs. 15.8x median) with a higher return on equity (18.0% vs. 13.6%) and faster revenue growth (18.8% vs. 15.9%).
P/E vs sector
9.9x
median 15.8x
ROE vs sector
18.0%
median 13.6%
Growth vs sector
18.8%
median 15.9%
Sector rank
#14
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $177.84 today · expected CAGR 3% – 14%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $15.03B | $17.89B | $21.29B | $25.33B | $30.14B |
| Net income | $2.86B | $3.40B | $4.04B | $4.81B | $5.73B |
| EPS | $17.10 | $20.35 | $24.21 | $28.81 | $34.29 |
| Share price (low) | $102.59 | $122.08 | $145.27 | $172.88 | $205.72 |
| Share price (high) | $170.98 | $203.47 | $242.12 | $288.13 | $342.87 |
| CAGR (low–high) | -42% / -4% | -17% / 7% | -7% / 11% | -1% / 13% | 3% / 14% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for CINF:
- Revenue is growing 18.8% a year, a sign of real demand.
- High net margins (21.2%) point to pricing power or efficiency.
- Strong return on equity (18.0%) shows capital is put to work well.
- Healthy free-cash-flow yield (~6.7%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.1x) lowers risk.
- Pays a 2.2% dividend on top of any price gains.
- Our model's overall read is Strong (79/100).
The case against CINF:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Cincinnati Financial is a large-cap financials business still growing nicely, with solid profitability, and a sound balance sheet. It trades at 9.9x earnings, which our model scores Strong (79/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 16 Wall Street analysts covering CINF recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-12 pts of buy ratings).
Latest SEC Filings
CINF's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
CINF — frequently asked questions
Is CINF a good stock to buy?
We don't give buy or sell advice. Our model rates Cincinnati Financial Strong (79/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is CINF's rating on The Stocks School?
Cincinnati Financial currently scores 79/100 (Strong) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does CINF's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Cincinnati Financial's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for CINF calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this CINF analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell CINF. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.