CINF
Cincinnati Financial
$172.46
▲ 1.3%Updated Today 6:01 PM ET
▲ Up 16.8% over the last 12 months
Market Cap
$26.33B
P/E
9.51x
Forward P/E (est.)
6.79x
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)
-2.5%
Rating Score
79/100
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 $172.46, above its 50-day average ($164.29) and 200-day average ($161.94). 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 73 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 $3.33 (~1.9% 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 $155.61 (support) and sellers near $173.53 (resistance); its 52-week range is $143.37–$174.27. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.1× 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.
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 $26.33B.
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.
4Y CAGR
7.0%
Revenue moved from $9.63B in 2021 to $12.63B in 2025, a 7.0% 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.
P/E
9.51x
P/S
2.09x
P/B
1.59x
EV / EBITDA
—
CINF trades at 9.5x trailing earnings (about 6.8x on estimated forward earnings), 2.1x sales, and 1.6x book value. Reverse-engineering today's price implies the market expects roughly -2.5% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. 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 (76 S&P 500 companies), CINF ranks #6 of 76 by our overall rating. It trades at a discount versus the sector on earnings (9.5x P/E vs. 15.2x median) with a higher return on equity (18.0% vs. 15.3%) and faster revenue growth (18.8% vs. 9.1%).
P/E vs sector
9.5x
median 15.2x
ROE vs sector
18.0%
median 15.3%
Growth vs sector
18.8%
median 9.1%
Sector rank
#6
of 76 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 76 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)
$222.14 – $370.23
vs. $172.46 today · expected CAGR 5% – 17%
| 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 | $18.46 | $21.97 | $26.14 | $31.11 | $37.02 |
| Share price (low) | $110.77 | $131.82 | $156.87 | $186.67 | $222.14 |
| Share price (high) | $184.62 | $219.70 | $261.44 | $311.12 | $370.23 |
| CAGR (low–high) | -36% / 7% | -13% / 13% | -3% / 15% | 2% / 16% | 5% / 17% |
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 9.5x earnings, which our model scores Strong (79/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
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.