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Financial Services - Insurance - Property & Casualty - NASDAQ - US
$ 145.44
-0.178 %
$ 22.7 B
Market Cap
15.84
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one CINF stock under the worst case scenario is HIDDEN Compared to the current market price of 145 USD, Cincinnati Financial Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one CINF stock under the base case scenario is HIDDEN Compared to the current market price of 145 USD, Cincinnati Financial Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one CINF stock under the best case scenario is HIDDEN Compared to the current market price of 145 USD, Cincinnati Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CINF

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$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$125.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
11.3 B REVENUE
13.22%
2.91 B OPERATING INCOME
24.94%
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%
2.57 B REVENUE
1.10%
-128 M OPERATING INCOME
-26.72%
-90 M NET INCOME
-22.22%
310 M OPERATING CASH FLOW
-51.71%
-58 M INVESTING CASH FLOW
95.19%
-225 M FINANCING CASH FLOW
-10.29%
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 25 M
Accounts Payable 0
Short-Term Debt 25 M
Other Current Liabilities 0
Non-Current Liabilities 21.7 B
Long-Term Debt 60 M
Other Non-Current Liabilities 21.7 B
99.61 %Total Liabilities$21.7b
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 2.91 B
Other Expenses 619 M
Net Income 2.29 B
12b12b10b10b8b8b6b6b4b4b2b2b0011b011b(8b)3b(619m)2bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
25.68% OPERATING MARGIN
25.68%
20.22% NET MARGIN
20.22%
16.45% ROE
16.45%
6.28% ROA
6.28%
8.09% ROIC
8.09%
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 0
Change in Working Capital 0
Others 1.54 B
Free Cash Flow 2.63 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 -14.05%
CINF Average Price Target Wall Street Target
130 USD -10.96%
CINF Highest Price Target Wall Street Target
135 USD -7.18%
Price
Max Price Target
Min Price Target
Average Price Target
160160155155150150145145140140135135130130125125120120115115110110Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
0.54% DIVIDEND YIELD
0.87 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
3.503.503.003.002.502.502.002.001.501.501.001.000.500.500.000.000.460.480.50.530.560.60.630.690.750.810.870.460.480.50.530.560.60.630.690.750.810.870.460.480.50.530.560.60.630.690.750.810.461.840.461.900.481.980.52.090.52.180.532.330.562.450.62.670.632.880.693.120.752.490.810.812015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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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
0 USD 0
9-12 MONTHS
783 K USD 1
Bought
0 USD 0
0-3 MONTHS
136 K USD 1
3-6 MONTHS
314 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Cincinnati Financial Corporation Expands Board With Appointment of Independent Director CINCINNATI , June 20, 2025 /PRNewswire/ -- Cincinnati Financial Corporation (Nasdaq: CINF) – Cincinnati Financial Corporation's board of directors added a 14th seat, appointing Edward S. Wilkins, CPA, to the board and as a member of its audit committee, effective immediately. prnewswire.com - 3 days ago
5 Dividend Stocks to Buy With $2,000 and Hold Forever Investing in the stock market is an excellent way to build long-term wealth. For investors seeking passive income, dividend stocks are one way to turn your portfolio into a cash-generating machine. fool.com - 6 days ago
Why Is Cincinnati Financial (CINF) Up 6.9% Since Last Earnings Report? Cincinnati Financial (CINF) reported earnings 30 days ago. What's next for the stock? zacks.com - 3 weeks ago
Best Dividend Aristocrats For June 2025 Dividend Aristocrats have slightly outperformed the S&P 500 year-to-date, despite underperforming in April and May. Dividend growth remains robust, with 41 of 69 Aristocrats announcing increases in 2025 and the average growth rate at 4.75%. 22 Aristocrats appear both undervalued and offer a projected long-term annualized return of at least 10%, based on dividend yield theory and earnings growth. seekingalpha.com - 3 weeks ago
CINF Lags Industry, Trades at a Premium: How to Play the Stock Cincinnati Financial is poised to grow on its solid agent network, sturdy financial health, and an impressive dividend history. zacks.com - 1 month ago
Cincinnati Financial Corporation Declares Regular Quarterly Cash Dividend CINCINNATI , May 5, 2025 /PRNewswire/ -- Cincinnati Financial Corporation (Nasdaq: CINF) announced that at its regular meeting on May 3, 2025, the board of directors declared an 87 cents-per-share regular quarterly cash dividend. The dividend is payable July 15, 2025, to shareholders of record as of June 23, 2025. prnewswire.com - 1 month ago
Cincinnati Financial Corporation Holds Shareholders' and Directors' Meetings CINCINNATI , May 5, 2025 /PRNewswire/ -- Cincinnati Financial Corporation (Nasdaq: CINF) today announced that based on preliminary voting results at the company's annual meeting on May 3, 2025, shareholders elected all directors for one-year terms to the 13-member board. Shareholders also approved the Amended and Restated Articles of Incorporation, the nonbinding resolution to approve the compensation for the company's named executive officers and ratified the selection of Deloitte & Touche LLP as independent registered public accounting firm for 2025. prnewswire.com - 1 month ago
Cincinnati Financial: A Solid Q1 Outside Of California Wildfire Losses Cincinnati Financial (CINF) had a challenging Q1 due to California wildfires, but underlying results remain strong, supporting future profitability. CINF's investment portfolio, with significant equity exposure, adds cyclical risk but also potential for higher returns compared to typical insurers. The company's strong balance sheet and secure 2.6% dividend yield provide stability despite catastrophe risks and economic uncertainties. seekingalpha.com - 1 month ago
Best Dividend Aristocrats For May 2025 Despite a strong start, the Dividend Aristocrats are underperforming the S&P 500 in April, with NOBL down 4.88% and SPY down 1.53%. The best-performing Dividend Aristocrats YTD include Consolidated Edison (+25.65%), Cardinal Health (+17.82%), and Coca-Cola (+16.18%). 33 out of 69 Dividend Aristocrats have announced dividend increases in 2025, with an average growth rate of 4.33%. seekingalpha.com - 1 month ago
JetBlue Airways Corporation (JBLU) Q1 2025 Earnings Conference Call Transcript JetBlue Airways Corporation (JBLU) Q1 2025 Earnings Conference Call April 29, 2025 11:00 AM ET Company Participants Dennis McDaniel - IRO Steve Spray - President & CEO Mike Sewell - EVP & CFO Conference Call Participants Michael Phillips - Oppenheimer Mike Zaremski - BMO Capital Markets Josh Shanker - Bank of America Paul Newsome - Piper Sandler Meyer Shields - KBW Operator Good day and welcome to the Cincinnati Financial Corporation First Quarter 2025 Earnings Conference Call. All participants will be in the listen only mode. seekingalpha.com - 1 month ago
Cincinnati Financial Q1 Loss Narrower Than Expected, Revenues Rise Y/Y CINF Q1 results reflect poor underwriting income, wider catastrophe losses and escalating expenses, offset by higher premiums and improved net investment income. zacks.com - 1 month ago
Cincinnati Financial (CINF) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates Although the revenue and EPS for Cincinnati Financial (CINF) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 1 month ago
8. Profile Summary

Cincinnati Financial Corporation CINF

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COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 22.7 B
Dividend Yield 0.54%
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. 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 Betsy E. Ertel C.P.C.U. Vice President of Corporate Communications Mr. Stephen Michael Spray President, Chief Executive Officer & Director Mr. Michael James Sewell CPA Chief Financial Officer, Principal Accounting Officer, Executive Vice President & Treasurer Mr. Dennis E. McDaniel C.M.A., CPA, C.P.C.U., CFM Vice President & Investor Relations Officer 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. Steven Justus Johnston C.F.A., CERA, FCAS, MAAA Executive Chairman