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Financial Services - Insurance - Property & Casualty - NASDAQ - US
$ 127.72
-3.42 %
$ 20 B
Market Cap
8.79
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one CINF stock under the worst case scenario is HIDDEN Compared to the current market price of 128 USD, Cincinnati Financial Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one CINF stock under the base case scenario is HIDDEN Compared to the current market price of 128 USD, Cincinnati Financial Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one CINF stock under the best case scenario is HIDDEN Compared to the current market price of 128 USD, Cincinnati Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CINF

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$160.0$160.0$155.0$155.0$150.0$150.0$145.0$145.0$140.0$140.0$135.0$135.0$130.0$130.0$125.0$125.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
11.3 B REVENUE
13.22%
2.86 B OPERATING INCOME
22.66%
2.29 B NET INCOME
24.36%
2.65 B OPERATING CASH FLOW
29.09%
-1.7 B INVESTING CASH FLOW
-5.47%
-877 M FINANCING CASH FLOW
-9.49%
2.54 B REVENUE
-23.55%
479 M OPERATING INCOME
-53.94%
405 M NET INCOME
-50.61%
642 M OPERATING CASH FLOW
-29.61%
-1.21 B INVESTING CASH FLOW
-480.88%
-204 M FINANCING CASH FLOW
-12.09%
Balance Sheet Cincinnati Financial Corporation
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Current Assets 983 M
Cash & Short-Term Investments 983 M
Receivables 0
Other Current Assets 0
Non-Current Assets 27.9 B
Long-Term Investments 27.7 B
PP&E 214 M
Other Non-Current Assets 0
3.41 %95.85 %Total Assets$28.9b
Current Liabilities 850 M
Accounts Payable 0
Short-Term Debt 850 M
Other Current Liabilities 0
Non-Current Liabilities 21.7 B
Long-Term Debt 60 M
Other Non-Current Liabilities 21.7 B
3.77 %95.97 %Total Liabilities$22.6b
EFFICIENCY
Earnings Waterfall Cincinnati Financial Corporation
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Revenue 11.3 B
Cost Of Revenue 0
Gross Profit 11.3 B
Operating Expenses 8.48 B
Operating Income 2.86 B
Other Expenses 566 M
Net Income 2.29 B
12b12b10b10b8b8b6b6b4b4b2b2b0011b011b(8b)3b(566m)2bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
25.21% OPERATING MARGIN
25.21%
20.22% NET MARGIN
20.22%
16.45% ROE
16.45%
6.28% ROA
6.28%
7.94% ROIC
7.94%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Cincinnati Financial Corporation
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3b3b3b3b2b2b2b2b1b1b500m500m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 2.29 B
Depreciation & Amortization 130 M
Capital Expenditures 0
Stock-Based Compensation 51 M
Change in Working Capital 0
Others 1.76 B
Free Cash Flow 2.65 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Cincinnati Financial Corporation
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Wall Street analysts predict an average 1-year price target for CINF of $130 , with forecasts ranging from a low of $125 to a high of $135 .
CINF Lowest Price Target Wall Street Target
125 USD -2.13%
CINF Average Price Target Wall Street Target
130 USD 1.39%
CINF Highest Price Target Wall Street Target
135 USD 5.70%
Price
Max Price Target
Min Price Target
Average Price Target
160160155155150150145145140140135135130130125125120120115115110110105105Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.56% DIVIDEND YIELD
0.87 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
3.503.503.003.002.502.502.002.001.501.501.001.000.500.500.000.000.460.480.50.530.560.60.630.690.750.810.870.460.480.50.530.560.60.630.690.750.810.460.480.50.530.560.60.630.690.750.810.461.840.461.900.481.980.52.090.52.180.532.330.562.450.62.670.632.880.693.120.751.620.810.812015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership Cincinnati Financial Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
783 K USD 1
9-12 MONTHS
0 USD 0
Bought
136 K USD 1
0-3 MONTHS
314 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
337 K USD 2
9-12 MONTHS
7. News
Earnings Preview: Cincinnati Financial (CINF) Q1 Earnings Expected to Decline Cincinnati Financial (CINF) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 1 week ago
Cincinnati Financial Schedules Webcast to Discuss First-Quarter 2025 Results CINCINNATI , April 8, 2025 /PRNewswire/ -- Cincinnati Financial Corporation (Nasdaq: CINF) plans to release its first-quarter 2025 results on Monday, April 28, 2025, after the close of regular trading on the Nasdaq Stock Market. The company will hold a conference call to discuss first-quarter 2025 results on Tuesday, April 29, at 11 a.m. prnewswire.com - 3 weeks ago
Analysts Name 9 Stocks Where Profit Is About To Fall Apart In an age of rising tariffs, earnings growth is one thing S&P 500 investors can lean on. But for some companies, you don't even have that to count on. investors.com - 3 weeks ago
Cincinnati Financial: Being A Dividend King Not Enough To Offset Cyclical Headwinds Cincinnati Financial Corporation has a solid dividend history but faces headwinds due to higher catastrophe losses and market volatility impacting its investment portfolio. The company's unique investment strategy, with a high allocation to equities, makes it more sensitive to market trends compared to peers. Despite recent positive performance, 2025 is expected to be challenging, with lower underwriting profitability and potential net losses in Q1. seekingalpha.com - 4 weeks ago
4 P&C Insurance Stocks With Decent Dividend for a Steady Return Here, we have picked four insurance stocks, THG, CINF, FAF and FNF, which have a solid dividend history. zacks.com - 4 weeks ago
These 10 Stocks Have Increased Dividends For Over 60 Consecutive Years. Should You Buy Them Now? Dividend King stocks with over a half century of dividend increases can often fall into a rut over time. 247wallst.com - 1 month ago
Want Decades of Passive Income? 3 Reliable Dividend Stocks to Buy Right Now Investing in the stock market is a great way to build long-term, sustainable wealth. Dividend-paying stocks can be solid investments because these companies exhibit strong business models. fool.com - 1 month ago
CINF Stock Trades Above 50-Day SMA: What Should Investors Do? Cincinnati Financial stock is poised to gain from new business-written premiums, agent-focused business model, improved interest income and effective capital deployment. zacks.com - 1 month ago
8 Upcoming Dividend Increases, Including A King Highlighting eight companies with upcoming dividend increases, four exceeding 10%, and an average increase of 11.4%, median at 9%. My investment strategy focuses on buying, holding, and expanding stakes in companies with consistent dividend growth and benchmark-beating performance. The list is curated using data from the "U.S. Dividend Champions" spreadsheet and NASDAQ, ensuring a minimum of five years of dividend growth. seekingalpha.com - 1 month ago
Cincinnati Financial Corporation Announces Internet Availability of Proxy Materials and Webcast for 2025 Annual Meeting of Shareholders CINCINNATI , March 19, 2025 /PRNewswire/ -- Cincinnati Financial Corporation (NASDAQ:CINF) today announced the internet availability of materials for its 2025 Annual Meeting of Shareholders – the 2024 Annual Report on Form 10-K, the 2025 Annual Shareholder Meeting Notice and Proxy Statement and the 2025 Annual Letter to Shareholders. The company has filed these materials with the Securities and Exchange Commission, and they are available for viewing online. prnewswire.com - 1 month ago
Cincinnati Financial (CINF) Up 0.5% Since Last Earnings Report: Can It Continue? Cincinnati Financial (CINF) reported earnings 30 days ago. What's next for the stock? zacks.com - 1 month ago
The Dividend Aristocrats Ranked By Quality Scores: March 2025 S&P Dow Jones Indices added three new members to the S&P 500 Dividend Aristocrats Index, expanding it to 69 companies. I rank Dividend Aristocrats by quality scores, presenting undervalued and overvalued stocks with detailed metrics and fair value estimates. My quality scoring system uses six indicators, each worth 5 points, for a maximum score of 30, categorizing stocks from Exceptional to Inferior. seekingalpha.com - 1 month ago
8. Profile Summary

Cincinnati Financial Corporation CINF

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COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 20 B
Dividend Yield 0.56%
Description 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.
Contact 6200 South Gilmore Road, Fairfield, OH, 45014-5141 https://www.cinfin.com
IPO Date March 17, 1980
Employees 5624
Officers Mr. Thomas Christopher Hogan Esq. Executive Vice President, Chief Legal Officer & Company Secretary Mr. Donald Joseph Doyle Jr., AIM, C.P.C.U. Senior Vice President of The Cincinnati Insurance Company Mr. Michael James Sewell CPA Chief Financial Officer, Principal Accounting Officer, Executive Vice President & Treasurer Mr. Steven Justus Johnston C.F.A., CERA, FCAS, MAAA Executive Chairman Betsy E. Ertel C.P.C.U. Vice President of Corporate Communications Mr. Stephen Michael Spray President, Chief Executive Officer & Director Mr. Dennis E. McDaniel C.M.A., CPA, C.P.C.U., CFM Vice President & Investor Relations Officer Mr. Steven Anthony Soloria C.F.A., C.P.C.U. Executive Vice President & Chief Investment Officer Ms. Teresa Currin Cracas Esq. Chief Risk Officer & Executive Vice President of The Cincinnati Insurance Company Mr. John Scott Kellington Chief Information Officer & Executive Vice President of The Cincinnati Insurance Company