Cincinnati Financial Corporation (CINF)

Financial Services
Insurance - Property & Casualty
United States
Yahoo Finance  •  Trading View  •  Company site
Price
$156.35
▼ -2.40 (-1.51%)
Market Cap
$24,449,454,080
Shares: 156,400,000
P/E
9.81
P/B: 1.61
ROE
16.45%
Current Ratio: 39.32
Fundamentals Score
84 (POSITIVE)

Company Overview

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. Cincinnati Financial Corporation was founded in 1950 and is headquartered in Fairfield, Ohio.

Headquarters: 6200 South Gilmore Road, Fairfield, OH, 45014-5141, United States  |  Employees: 5624  |  Website: cinfin.com
Key Contacts
IR / Phone: 513 870 2000
Exchange: NMS
Industry: Insurance - Property & Casualty
Quick Financial Snapshot
Revenue$11,337,000,000
Net Income$2,292,000,000
Free Cash Flow$2,627,000,000
Book Value / Share$89.10

Balance Sheet & Liquidity

Total Liabilities$22,566,000,000
Total Equity$13,935,000,000
Debt / Equity0.06
Current Ratio39.32
Interest Coverage54.92
Working Capital$958,000,000

Valuation Metrics

Core multiples and valuation signals — useful to compare vs peers.

P/E (TTM)9.81
Industry P/EN/A
Forward P/E21.33
P/B1.61
Price / Sales1.98
P / FCF8.56
EV / EBITDA7.36
Graham Number$171.40
DCF (placeholder)
Notes: red items typically indicate expensive multiples relative to fundamentals. Use the "Compare with industry" tool for context.

EPS (Annual)

Financial Performance

Revenue vs Net Income

Free Cash Flow (annual)

Profitability & Efficiency

Gross Margin 100.00%
Operating Margin 25.68%
Net Margin 20.22%
ROIC 8.09%
Asset Turnover 0.31

Automated Fundamental Signals (Score: 84)

Passed
  • EPS shows upward trend
  • EPS CAGR 18.06%
  • Price CAGR 10.20%
  • ROIC 8.1%
  • Gross Margin 100.0%
  • P/FCF 8.56
  • P/B Ratio 1.61
  • Debt/Equity ratio
  • Operating Margin 25.7%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Interest Coverage
  • Return on Tangible Assets
  • Low reliance on intangibles
  • Price below Graham Number
Failed
  • Debt/EBITDA
  • DCF valuation (Fairly valued)

Price Chart (Candlestick)

Technical Analysis (Score: 65)

RSI (14)45.65
SMA 50155.50
SMA 200146.21
MACD1.32
Signal NEUTRAL
RSI 45.6, SMA trend bullish, momentum 14.2%.

Governance & Management

Governance scores: Audit: 6 | Board: 10 | Compensation: 3 | Shareholder Rights: 8
Executive Team
NameTitle
Mr. Steven Justus Johnston C.F.A., CERA, FCAS, MAAA Executive Chairman (1960)
Mr. Stephen Michael Spray President, CEO & Director (1966)
Mr. Michael James Sewell CPA CFO, Principal Accounting Officer, Executive VP & Treasurer (1964)
Mr. Steven Anthony Soloria C.F.A., C.P.C.U. Executive VP & Chief Investment Officer (1967)
Ms. Teresa Currin Cracas Esq. Chief Risk Officer & Executive VP of The Cincinnati Insurance Company (1966)
Mr. John Scott Kellington Chief Information Officer & Executive VP of The Cincinnati Insurance Company (1962)
Mr. Dennis E. McDaniel C.M.A., CPA, C.P.C.U., CFM VP & Investor Relations Officer (1960)
Mr. Thomas Christopher Hogan Esq. Executive VP, Chief Legal Officer & Company Secretary (1993)
Governance data last updated: 10/1/2025

Latest News

Cincinnati Financial’s (CINF) Long Dividend Streak Strengthens its Dividend Aristocrat Status
Yahoo • Oct 14, 2025 • Neutral

Cincinnati Financial Corporation (NASDAQ:CINF) is included among the Top 15 Growth Stocks for Long-Term Investors. Maintain‍ing⁠ and increas⁠ing dividend payments through ec⁠onomic downturns is a rare accomplishmen‍t, achieved only by‍ companies w‍ith‌ reli​able in⁠come str​ea‍ms and solid financial‌ d‍iscipl‍ine. Cincinnati Financial Corporation (NASDAQ:CINF) stands​ out as one such c‌ompany, having raised its di‍vidend every year […]

Dividend Champion, Contender, And Challenger Highlights: Week Of October 12
SeekingAlpha • Oct 11, 2025 • Neutral

Read here for the latest weekly summary of dividend changes, ex-dividend dates, and pay dates for Dividend Champions, Contenders, and Challengers.

AXS or CINF: Which Is the Better Value Stock Right Now?
Yahoo • Oct 10, 2025 • Neutral

AXS vs. CINF: Which Stock Is the Better Value Option?

← Back