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 |
| Vol | 409.50K |
| As of | 25 Sep 2026 |
The Verdict
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/E | 7.67x |
| Forward P/E | 18.00x |
| EV / EBITDA | 5.48x |
| P / S (ttm) | 1.79x |
| Profit margin | 23.8% |
| Return on equity | 21.5% |
| Revenue growth | +31.6% |
| Earnings growth | +85.5% |
| Debt / equity | 5.25 |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| 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.
Risk Metrics
| Beta vs SPX | 0.51 |
|---|---|
| Corr SPX | 0.36 |
| Annual vol | 23.3% |
| Annual ret | +12.1% |
| Sharpe | 0.52 |
| 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 |
| Analysts | 6 |
| Strong Buy | 1 | |
|---|---|---|
| Buy | 3 | |
| Hold | 4 | |
| Sell | 0 | |
| Strong Sell | 0 |
Recent rating actions
| 2026-04-29 | Keefe, Bruyette & Woods | → Outperform |
| 2026-04-28 | Roth Capital | → Buy |
| 2026-04-14 | B of A Securities | → Buy |
| 2026-04-07 | Keefe, Bruyette & Woods | → Outperform |
| 2026-01-06 | Keefe, Bruyette & Woods | → Outperform |
| 2025-12-22 | Piper Sandler | → Neutral |
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-27 | Earnings Release, Exhibits | read |
| 2026-06-22 | Officer / Director Change, Reg FD Disclosure… | read |
| 2026-06-16 | Officer / Director Change, Reg FD Disclosure… | read |
| 2026-05-19 | Reg FD Disclosure, Exhibits | read |
| 2026-05-06 | Shareholder Vote, Reg FD Disclosure… | read |
| 2026-04-27 | Earnings Release, Exhibits | read |
| 2026-02-09 | Earnings Release, Exhibits | read |
| 2026-01-30 | Officer / Director Change, Reg FD Disclosure… | read |
| 2025-11-14 | Reg FD Disclosure, Exhibits | read |
| 2025-11-07 | Reg FD Disclosure, Exhibits | read |
| 2025-10-27 | Earnings Release, Exhibits | read |
| 2025-10-10 | Material Agreement, Termination of Agreement… | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-03 | Schiff Charles Odell | Director | Sell | 7.60K | $1.33M |
| 2026-06-08 | KELLINGTON JOHN S | Officer, EVP, Chief Info | Option exercise | 24.22K | $2.08M |
| 2026-06-08 | KELLINGTON JOHN S | Officer, EVP, Chief Info | Withheld for tax | 17.54K | $2.87M |
| 2026-05-28 | Fu Luyang | Officer, Sr. VP, Chief Ac | Option exercise | 774 | $66.31K |
| 2026-05-28 | Fu Luyang | Officer, Sr. VP, Chief Ac | Withheld for tax | 99 | $15.96K |
| 2026-05-11 | Schiff Charles Odell | Director | J | 27.12K | — |
| 2026-05-07 | Hogan Thomas Christopher | Officer, EVP/CLO & Corp S | Withheld for tax | 74 | $11.91K |
| 2026-05-07 | Hogan Thomas Christopher | Officer, EVP/CLO & Corp S | Withheld for tax | 145 | $23.34K |
| 2026-05-07 | Hogan Thomas Christopher | Officer, EVP/CLO & Corp S | Option exercise | 487 | $34.43K |
| 2026-05-07 | Hogan Thomas Christopher | Officer, EVP/CLO & Corp S | Option exercise | 957 | $68.13K |
Flow & Concentration
| Insider 180d net | -$1.33M |
|---|---|
| Insider buys / sells | 0 / 1 |
| Insider bias | Neutral |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
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
The Long Run
FY 2010–2025 · 16 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $12.63B | +8.3% | |
| Net income | $1.84B | +11.2% | |
| Cash from ops | $2.05B | +10.1% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $162.99 | $163.33 | $161.17 | $162.54 | 409.50K |
| Sep 24 | $163.09 | $164.79 | $162.27 | $162.33 | 606.30K |
| Sep 23 | $163.88 | $165.61 | $162.38 | $162.57 | 800.40K |
| Sep 22 | $166.67 | $167.50 | $164.22 | $165.83 | 639.30K |
| Sep 21 | $168.30 | $168.99 | $166.76 | $166.85 | 520.40K |
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