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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 Framework: Insurance & Reinsurance Large Cap
Cincinnati Financial Corporation (CINF), is a Large Cap company, in the Insurance - Property & Casualty industry, last closed at $179.23, about 42.2% overvalued vs fair value, +19.9% 1Y return, placing in the top 10% of its sector.
Metrics P/E 10.8× Rev Growth 11.4% ROE 16.0% Gross Margin 50.1% Div Yield 2.06%
USD 179.23
-0.71%
(Delayed)
• Vol 90d: 23.7%
52-Week Range
Market Cap
$28.38B
Enterprise Value
$28.05B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Good
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Good
Completeness: 82%
Confidence: 84%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Dividend Jul 15 Ex-div: Jun 23
Earnings Jul 27 Estimated

Fair Value Snapshot

Bear Base Bull
$57
$104
$194
Current: $179.23 -42% vs base

Engine Room Money Flow™

Large Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$12.6B
11.4%%
Claims & Losses
$-6.3B
9.8%%
Acquisition & Admin Expenses
$-3.4B
Underwriting Result
$3.0B
4.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
49.9%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$730.0M
30.5% 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 Insurance & Reinsurance

Competitive Advantage Assessment

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

Overall Moat Strength
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Moderate
52
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing CINF's balance between Growth (28.3%), Profitability (34.4%), and Safety (37.3%). Growth 28% Safety 37% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

61th percentile vs peers
61
Key Signals
Rev Growth YoY 11.4% 61p Revenue CAGR 3Y 24.4% 79p Equity Growth YoY 14.2% 53p EPS Growth YoY 4.5% 38p Asset Growth YoY 12.3% 77p
Strengths
  • ROA in top 20% of peers (6.6%, 82th percentile)
  • Interest Coverage (EBITDA) in top 20% of peers (60.40, 91th percentile)
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

74th percentile vs peers
75
Key Signals
Strengths
Risks
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Safety

81th percentile vs peers
81
Key Signals
Strengths
Safety drilldowns are available to premium members.

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
$103.61
- - -
-42.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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