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Company Analysis

Cincinnati Financial Corporatio CINF

A comprehensive view of key metrics, scores, and financial health for Cincinnati Financial Corporatio

Overview of Cincinnati Financial Corporation

CINF NMS
Financial Services Insurance - Property & Casualty Large Cap
Cincinnati Financial Corporation (CINF), is a Large Cap company, in the Insurance - Property & Casualty industry, last closed at $163.82, about 38.2% overvalued vs fair value, +11.3% 1Y return, placing in the top 25% of its sector.
$163.82
-0.25%
As of March 13, 2026
Previous close • Vol 90d: 18.6%
52-Week Range
Market Cap
$25.56B
Enterprise Value
$25.01B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.cinfin.com
HQ Fairfield, OH
Employees 5,705
Fiscal year Dec 31

Next Events

Dividend Apr 15 Ex-div: Mar 24
Earnings Apr 27 Estimated

Fair Value Snapshot

Bear Base Bull
$56
$101
$190
Current: $163.82 -38% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.2B
13.7%%
Interest Expense
$5.3M
Net Interest Income
$-53.0M
Total Revenue
$12.6B
11.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
16.4%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$730.0M
31.8% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Cincinnati Financial Corporatio's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
53
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing CINF's balance between Growth (31.4%), Profitability (42.8%), and Safety (25.9%). Growth 31% Safety 26% Profitability 43%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

56th percentile vs peers
56
Key Signals
Revenue CAGR 3Y 24.4% 80p Rev Growth YoY 11.4% 64p EPS Growth YoY 4.5% 24p TSR 16.0% 35p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (24.4%, 80th percentile)
  • Interest Coverage Ratio in top 20% of peers (572.26, 97th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Operating Margin in top 20% of peers (23.6%, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

76th percentile vs peers
77
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
46
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Cincinnati Financial Corporatio.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$101.26
- - -
-38.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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