Stock Analysis
Cincinnati Financial CorpCINF
P/E 7.90×· 5Y range 6.48–35.51×· bottom 23% of history
Sector: Financial Services · Industry: Fire, Marine & Casualty Insurance
AnalystsBuy16 analystsP/E 7.9× sits at the 23rd percentile of its 5.089664613278576-year history.
Cash covers 200% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Profitability90
- Financial Health71
Risks
- Growth12
Mixed business trading cheap — priced for skepticism.
Market context
+2.4% today· Z 2.1σ
Bull Case
- ✓ROE 20.0% — efficient capital deployment
- ✓Interest coverage 71.4× — debt well covered
- ✓P/E 7.9× at bottom 23% of 5-year history
What's happening with CINF
Profile
Strong valuation and profitability; growth and moat lag behind.
How is each axis scored?
- Valuation95/100 · Strong
- P/E vs own history (23th pct)20/25
- FCF yield (13.0%)25/25
- P/S (1.9x)25/25
- EV/EBIT (6.1x)25/25
- Growth12/100 · Weak
- Revenue CAGR (7.0%)12/25
- Net income CAGR (-5.1%)0/25
- EPS CAGR 5Y (-4.3%)0/25
- Fwd implied growth (-58.3%)0/25
- Profitability90/100 · Strong
- ROIC (20.9%)20/25
- ROE (20.0%)20/25
- Net margin (23.8%)25/25
- Operating margin (30.0%)25/25
- Financial Health71/100 · Moderate
- Altman Z (0.89)3/25
- Current ratio (1.87)18/25
- Interest coverage (71.4x)25/25
- Net cash / debt (Net cash)25/25
- Quality60/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-2.42)20/25
- FCF conversion (102%)25/25
- Margin stability (σ 28.1%)0/25
- Moat45/100 · Weak
- ROIC >12% years (4/5 yrs)20/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst -7.4%)0/25
Risk Flags
- ⚠Altman Z 0.9 — distress-zone balance sheet
About Cincinnati Financial Corp
Cincinnati Financial Corp is a property and casualty insurance company that generates income through written premiums. Show more
A select group of independent agencies actively markets the company's business, home, and automotive insurance within their communities. These agents offer the company's personal lines as well as its standard market, excess, and surplus commercial line policies in many regions in the United States. Cincinnati Financial also offers leasing and financing services. The company operates in segments: Commercial lines insurance, Personal lines insurance, Excess and surplus lines insurance, Life insurance, and Investments. The vast majority of the company's revenue is generated through commercial lines, followed by personal lines.
Headquarters: FAIRFIELD, OH · Employees: 5,705 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
95A+P/E (TTM)7.9xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 6.5x–35.5x · 23rd pct
P/FCF7.6xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield13.0%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 8.0%–14.0% · 88th pct
P/S (TTM)1.88xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 1.6x–3.0x · 28th pct
EV/EBIT6.1xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 3.9x–13.3x · 32nd pct
EV/Sales1.9xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E18.9xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.57xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.37B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.11%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio16.3%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
90A+ROIC20.9%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE20.0%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA8.0%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin23.8%A
Grade A: HighNet Income / Revenue
Operating Margin30.0%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin24.4%A
Grade A: HighFCF / Revenue
True FCF Margin24.4%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
12ERevenue CAGR7.0%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-5.1%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-4.3%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-58.3%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-5.7%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
71B+Altman Z-Score0.89D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.87xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio1.87xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage71.4xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.05xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt2.00xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
60BPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.42A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion102.2%A
Grade A: StrongFCF / Net Income
Margin Stability28.1%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue0.1%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.31xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Debbink Dirk J Filed | Debbink Dirk J | BuyOpen market buy | +1.0K | |
Schiff Charles Odell Filed | Schiff Charles Odell | SellOpen market sale | -7600 | |
KELLINGTON JOHN S Filed | KELLINGTON JOHN S | Option exercise | -24221 | |
KELLINGTON JOHN S Filed | KELLINGTON JOHN S | Tax withholding | -17536 | |
KELLINGTON JOHN S Filed | KELLINGTON JOHN S | Option exercise | +24.2K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Fu Luyang Filed | Fu Luyang | Option exercise | -774 | |
Fu Luyang Filed | Fu Luyang | Tax withholding | -99 | |
Fu Luyang Filed | Fu Luyang | Option exercise | +774 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
45D+ROIC >12% Years4/5 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor-7.4%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$21.68
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$5.73
Cash & short-term investments per share (Finnhub)
Book Value / Share$108.68
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$876.00M
Total debt obligations (short + long term)
Cash & Equiv.$1.75B
Cash and short-term investments
Net Debt$-874.00MA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$16.67B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$26.21B
Current Market Capitalization
Beta0.52B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Cincinnati Financial Corp (CINF)
CINF is up 2.41% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Cincinnati Financial Corp. Altman Z-Score of 0.89 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.42 suggests a low likelihood of earnings manipulation. Cincinnati Financial Corp converts about 24% of revenue into free cash flow — strong cash generation.
- Company is effectively debt-free after netting cash.
- Cincinnati Financial Corp posted a net loss in 1 of 10 available completed fiscal years (2016–2025).
- At a valuation score of 95/100, CINF trades near the cheapest end of its own historical range (P/E 7.9).
- The stock currently yields 2.1% in dividends.
See how CINF ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all CINF moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 16 | After-hours | 170.77 | +2.12% | 2.08 |
| Oct 8 | Regular | 165.28 | +2.27% | 3.00 |
| Oct 8 | After-hours | 165.25 | +2.25% | 2.99 |
| Oct 6 | After-hours | 164.99 | +1.76% | 2.44 |
| Sep 23 | After-hours | 162.57 | -1.97% | -2.02 |
Frequently Asked Questions about CINF
What is the current Cincinnati Financial Corp (CINF) stock price?
CINF is trading at $171.25 at the last market close, up 2.41% on the session. PreMarketPrice tracks CINF pre-market, intraday and after-hours prices.
Is CINF stock a buy right now?
PreMarketPrice's quantitative model rates Cincinnati Financial Corp's financial health at 71/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is CINF stock overvalued?
Cincinnati Financial Corp trades at a trailing P/E of 7.9 and our valuation score rates it 95/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Cincinnati Financial Corp report earnings?
No confirmed earnings date is currently scheduled for CINF. The Earnings section lists recent reports and updates as dates are announced.
What sector does Cincinnati Financial Corp operate in?
Cincinnati Financial Corp operates in the Financial Services sector, within the Fire, Marine & Casualty Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Cincinnati Financial Corp do?
Cincinnati Financial Corp is a property and casualty insurance company that generates income through written premiums.
About Cincinnati Financial Corp (CINF) Stock
Cincinnati Financial Corp (CINF) is a US-listed stock operating in the Financial Services sector, specifically the Fire, Marine & Casualty Insurance industry. As of the latest update, Cincinnati Financial Corp is trading at $171.25, up 2.41% on the day with a market capitalization of $26.2 billion. The financial health score for CINF is 71/100, which indicates good financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for CINF stock.
CINF Stock Analysis & Key Metrics
On PreMarketPrice, you can track Cincinnati Financial Corp (CINF) across multiple dimensions:
- Pre-market price & movement: Real-time CINF stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for CINF with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Cincinnati Financial Corp across multiple reporting periods.
- Financial health score: A composite score of 71/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for CINF.
- Sector peers: Compare CINF against 6 other financial services stocks on key financial metrics.
Is CINF a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Cincinnati Financial Corp (CINF) as an investment. The financial health score of 71/100 suggests good financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Cincinnati Financial Corp (CINF) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.