Inside the research

Cincinnati Financial Corporation

CINF Research profile · latest available data

Price overview

$162.54

▲ +0.21 (+0.1%)

52w hi$190.94
52w lo$148.06
Vol409.50K
As of25 Sep 2026

The Verdict

Hold

Our score +0.06

Short-0.21
Medium+0.09
Long+0.56

computed 2026-09-27

Key fundamentals

Cincinnati Financial Corporation

Financial Services · Insurance - Property & Casualty

Market cap$24.95B
Enterprise value$23.93B
Trailing P/E7.67x
Forward P/E18.00x
EV / EBITDA5.48x
P / S (ttm)1.79x
Profit margin23.8%
Return on equity21.5%
Revenue growth+31.6%
Earnings growth+85.5%
Debt / equity5.25

Layer Breakdown

LayerRawContribution
Fundamental+0.45
Sector+0.02
Technical-0.13
Earnings+0.00
Sentiment+0.00

macro × 1.00 · 2026-09-27

Business 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. The company was founded in 1950 and is headquartered in Fairfield, Ohio.

United States · www.cinfin.com

Risk Metrics

Beta vs SPX0.51
Corr SPX0.36
Annual vol23.3%
Annual ret+12.1%
Sharpe0.52
Max DD-21.0%

Window: 504 trading days (504 obs)

Analyst Coverage

Mean PT$179.17
High / Low$191.00 / $161.00
Median$180.50
Analysts6
Strong Buy1
Buy3
Hold4
Sell0
Strong Sell0

Recent rating actions

2026-04-29Keefe, Bruyette & Woods→ Outperform
2026-04-28Roth Capital→ Buy
2026-04-14B of A Securities→ Buy
2026-04-07Keefe, Bruyette & Woods→ Outperform
2026-01-06Keefe, Bruyette & Woods→ Outperform
2025-12-22Piper Sandler→ Neutral

Material Events

DateEvent8-K
2026-07-27Earnings Release, Exhibitsread
2026-06-22Officer / Director Change, Reg FD Disclosure…read
2026-06-16Officer / Director Change, Reg FD Disclosure…read
2026-05-19Reg FD Disclosure, Exhibitsread
2026-05-06Shareholder Vote, Reg FD Disclosure…read
2026-04-27Earnings Release, Exhibitsread
2026-02-09Earnings Release, Exhibitsread
2026-01-30Officer / Director Change, Reg FD Disclosure…read
2025-11-14Reg FD Disclosure, Exhibitsread
2025-11-07Reg FD Disclosure, Exhibitsread
2025-10-27Earnings Release, Exhibitsread
2025-10-10Material Agreement, Termination of Agreement…read

Insider Trades

DateInsiderRoleActionSharesValue
2026-08-03Schiff Charles OdellDirectorSell7.60K$1.33M
2026-06-08KELLINGTON JOHN SOfficer, EVP, Chief Info Option exercise24.22K$2.08M
2026-06-08KELLINGTON JOHN SOfficer, EVP, Chief Info Withheld for tax17.54K$2.87M
2026-05-28Fu LuyangOfficer, Sr. VP, Chief AcOption exercise774$66.31K
2026-05-28Fu LuyangOfficer, Sr. VP, Chief AcWithheld for tax99$15.96K
2026-05-11Schiff Charles OdellDirectorJ27.12K—
2026-05-07Hogan Thomas ChristopherOfficer, EVP/CLO & Corp SWithheld for tax74$11.91K
2026-05-07Hogan Thomas ChristopherOfficer, EVP/CLO & Corp SWithheld for tax145$23.34K
2026-05-07Hogan Thomas ChristopherOfficer, EVP/CLO & Corp SOption exercise487$34.43K
2026-05-07Hogan Thomas ChristopherOfficer, EVP/CLO & Corp SOption exercise957$68.13K

Flow & Concentration

Insider 180d net-$1.33M
Insider buys / sells0 / 1
Insider biasNeutral
13F holders0
Top-5 share0.0%
HHI0 (—)

Dividends

Yield (TTM)1.11%
$ / share (TTM)$1.81
5y CAGR+7.7%

Annual dividend per share

2021$2.52
2022$2.76
2023$3.00
2024$3.24
2025$3.48
2026$0.94

SEC Filings

DateFormDoc
2026-08-0613F-HRview
2026-08-044view
2026-07-2710-Qview
2026-07-278-Kview
2026-06-263view
2026-06-228-Kview
2026-06-1711-Kview
2026-06-168-Kview
2026-06-104view
2026-06-014view
2026-05-198-Kview
2026-05-134view
2026-05-1113F-HRview
2026-05-114view
2026-05-074view

The Long Run

FY 2010–2025 · 16 years

LineLatestCAGRTrend
Revenue$12.63B+8.3%
Net income$1.84B+11.2%
Cash from ops$2.05B+10.1%

Indices

S&P 500

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$162.99$163.33$161.17$162.54409.50K
Sep 24$163.09$164.79$162.27$162.33606.30K
Sep 23$163.88$165.61$162.38$162.57800.40K
Sep 22$166.67$167.50$164.22$165.83639.30K
Sep 21$168.30$168.99$166.76$166.85520.40K

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