Cincinnati Financial Corporation

Cincinnati Financial Corporation

CINFยทNASDAQ

$158.01

+0.0095%
Financial ServicesInsurance - Property & Casualty

Cincinnati Financial Corporation, together with its subsidiaries, 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, commercial property, commercial auto, and workers' compensation. It also provides director and officer liability insurance, contract and commercial surety bonds, and fidelity bonds; and machinery and equipment coverage. The Personal Lines Insurance segment offers personal auto insurance; homeowner insurance; and dwelling fire, inland marine, personal umbrella liability, and watercraft coverages to individuals. 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; 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 products; universal life insurance products; worksite products, such as term life; and whole life insurance products. 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. Cincinnati Financial Corporation was founded in 1950 and is headquartered in Fairfield, Ohio.

At a Glance

Live Snapshot
Market Cap$24.44B
EPS15.1700
P/E Ratio10.42
Earnings Date07/27/2026
Cincinnati Financial Corporation

Cincinnati Financial Corporation Fair Value Envelope

CINF ยท NASDAQ

Our analysis suggests that CINF has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $158.015, this represents a potential HIDDEN relative to our calculated worth for Cincinnati Financial Corporation.

Intrinsic Value
Current Price: $158.015

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$176.3B
+ Cash & Equivalents$1.4B
Firm Value$177.7B
- Debt$886.0M
Equity Value$176.8B
/ Shares Outstanding156,250,405B
DCF Value$1.1K
UNDERVALUED BY 616%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$3.7B
$4.3B
$5.1B
$6.0B
$7.0B
$8.3B
$9.7B
$11.5B
$13.5B
$15.9B
Maintenance CapEx
-$4.7M
-$5.5M
-$6.5M
-$7.7M
-$9.0M
-$10.6M
-$12.5M
-$14.7M
-$17.3M
-$20.4M
Owner Earnings
$3.7B
$4.3B
$5.1B
$6.0B
$7.0B
$8.3B
$9.7B
$11.4B
$13.5B
$15.9B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$3.4B
$3.7B
$4.0B
$4.4B
$4.8B
$5.2B
$5.7B
$6.2B
$6.7B
$7.3B
Terminal Value represents 70.8% of Enterprise Value