Stock AnalizCincinnati Financial Corp. CINF
Property-Casualty Insurers · data as of November 13, 2026
Cincinnati Financial Corp. (CINF) is a financial company listed in the US with a market value of about $29.1B. In the twelve months to September 30, 2026 it had revenue of $13.3B and net income of $2.7B, a net margin of 20.1%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is value (4/5); the weakest is future growth (3/5).
Key numbers: a P/E of 11.1, a price to free cash flow of 9.5, 5-year revenue growth of 11% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 64% below the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- Interest covered more than 5 times
- Liabilities below 60% of assets
- Share count down over 3 years (buybacks)
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $13.3B | $12.6B | $11.3B | $10.0B | $6.6B | $9.6B | $7.5B | $7.9B | $5.4B | $5.7B | $5.4B |
| Net income | $2.7B | $2.4B | $2.3B | $1.8B | -$487M | $3.0B | $1.2B | $2.0B | $287M | $1.0B | $591M |
| Free cash flow | $3.1B | $3.1B | $2.6B | $2.0B | $2.0B | $2.0B | $1.5B | $1.2B | $1.2B | $1.0B | $1.1B |
| EPS (diluted) | $17.05 | $15.17 | $14.53 | $11.66 | $-3.06 | $18.24 | $7.49 | $12.10 | $1.75 | $6.29 | $3.55 |
| Net margin | 20.1% | 18.9% | 20.2% | 18.4% | -7.4% | 30.8% | 16.1% | 25.2% | 5.3% | 18.2% | 10.8% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $190.67, 1% above the current price; targets range from $177.00 to $204.00; the consensus rating is “Buy”; expected EPS is $9.45 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Cincinnati Financial’s P/E ratio?
About 11.1, based on the last twelve months of diluted earnings per share (forward P/E about 19.2).
Is Cincinnati Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 64% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Cincinnati Financial pay a dividend?
Yes. The dividend yield is about 1.98%, and it has paid dividends for 10 years in our data.
Is Cincinnati Financial a good stock to buy?
We do not give buy or sell advice. Cincinnati Financial scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.