Cincinnati Financial Corporation
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 s…
What to know about CINF
Cincinnati Financial Corporation is a large Financial Services company with a mixed financial profile. It scores well on risk and cash flow, but size is worth keeping an eye on.
Should you consider CINF?
Based on 31 financial metrics and sector comparison. Not financial advice.
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Cincinnati Financial Corporation is a large-cap Financial Services company with a mixed overall financial profile — it sits in the upper half of Financial Services stocks (24 of 70).
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Profitability is roughly average for the S&P 500 — not a standout in either direction.
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Valuation looks attractive — the stock is priced reasonably relative to its earnings and sales compared to most peers. You're not overpaying for the business.
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The company is growing at a reasonable pace — not the fastest, but consistently moving in the right direction.
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There is a small dividend (0.02%), but income-focused investors will likely find better yields elsewhere in the market.
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Risk is relatively low — the stock tends to be less volatile than the broader market, which typically means a smoother ride during uncertain periods.
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On balance the positives outweigh the concerns — worth a closer look if Financial Services fits your investment goals.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how CINF compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 9.73 | Top 25% |
| Forward P/E | 18.53 | Average |
| PEG Ratio | 2.19 | Average |
| Price to Sales | 2.04 | Above avg |
| Price to Book | 1.67 | Top 25% |
| EV/EBITDA | 7.18 | Top 25% |
| Earnings Yield | 10.28% | Top 25% |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 27.94% | Below avg |
| Operating Margin | 11.84% | Average |
| Net Profit Margin | 21.33% | Above avg |
| Return on Equity | 18.73% | Above avg |
| Return on Invested Capital | 5.55% | Average |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 11.60% | Above avg |
| Revenue Growth (3Y CAGR) | 24.39% | Top 25% |
| EPS Growth (YoY) | — | N/A |
| Free Cash Flow Growth | 17.70% | Above avg |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | 1.04 | Average |
| Debt to Equity | 5.63 | Below avg |
| Interest Coverage | 57.23 | Top 25% |
| Altman Z-Score | — | N/A |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | 2.19% | Above avg |
| Payout Ratio | 20.30% | Above avg |
| Dividend Growth (5Y) | -17.90% | Below avg |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | 13.06% | Top 25% |
| OCF to Sales | 26.75% | Above avg |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 0.58 | Top 25% |
| Volatility (30-Day) | 18.46% | Top 25% |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 2.23% | Top 25% |
| Avg. Analyst Rating | 2.13 | Average |
| Target Upside % | 6.64% | Average |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 26.33B | Average |
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