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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 $169.14, about 38.7% overvalued vs fair value, +7.8% 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 169.14
-1.15%
(Delayed)
• Vol 90d: 23.8%
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: 94%
Confidence: 58%
Updated: Sep 12
Top Beats

Quick Facts

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

Next Events

Earnings Oct 26 Estimated

Fair Value Snapshot

Bear Base Bull
$57
$104
$194
Current: $169.14 -39% 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
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Premium Pricing Margins Premium margin signal is strong (score 0.76), with operating margin at 23.6% vs peers — indicating pricing authority.
  • Superior Returns on Float Float investment returns are strong (signal score 0.89), with ROA at 6.62% vs peers — investment income amplifies underwriting profit.

Key risks

  • Volatile Underwriting Results Underwriting stability is low (score 0.23), indicating significant exposure to loss cycle or catastrophe volatility.
  • Volatile Capital Returns Signal Cat Exposure Capital adequacy stability is low (score 0.32), indicating elevated catastrophe or reserve cycle exposure.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Moderate
52
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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 (37.4%). Growth 28% Safety 37% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

61th percentile vs peers
62
Key Signals
Rev Growth YoY 11.4% 61p Revenue CAGR 3Y 24.4% 79p Equity Growth YoY 14.2% 52p EPS Growth YoY 4.5% 37p Asset Growth YoY 12.3% 77p
Strengths
  • Net Profit Margin in top 20% of peers (18.9%, 80th percentile)
  • 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
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Two Futures

Scenario-based fair value ranges for Cincinnati Financial Corporatio.

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
- - -
-38.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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