Cincinnati Financial Corporation (CINF) Fair Value & Analysis
Financial Services · US · Market cap $27.3B · ISIN US1720621010
What is Cincinnati Financial Corporation really worth?
Cincinnati Financial Corporation
CINF · US
A solid business, currently priced close to our fair value of $166.34.
Strengths
Risks
For context
Fair value as of: Aug 30, 2026
From 6 valuation models · updated 6 days ago
Share price −2.6% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 30, 2026.
How to read this chart
60‑month range $81.45 – $192.03 · fair‑value band $124.76 – $207.93 · the $174.72 price screens above the $166.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 30, 2026.
Analysis
Cincinnati Financial Corporation (CINF) currently trades at $174.72, while our model-based Fair Value estimate is $166.34, implying the stock looks roughly 5.0% fairly valued today. The Quality Score stands at 64/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of $144.00 per share, and 1 of the 6 models we run sit above the $174.72 price. Bear case: the Dividend Discount group reads lowest at $54.64, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Cincinnati Financial Corporation generated revenue of $12.9B at a net margin of 21.3%. Revenue grew 11.6% year over year. It earns a return on equity of 18.7%. The balance sheet holds a net cash position of $545M. Fundamentals as of Aug 30, 2026
Our scenario range runs from $124.76 (bear case) to $207.93 (bull case); at $174.72, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 24% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −26% fair-value upside, at −5%, CINF screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $9.73 per share, which is 5.8 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples ($144.00) versus Dividend Discount ($54.64). Highest evidence: Gordon GGM (66).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 30, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 66
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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.
Full company description
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 segment offers coverage for commercial casualty and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. 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, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; 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; universal life insurance; and worksite and whole life insurance products, as well as annuities. 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. The company was founded in 1950 and is headquartered in Fairfield, Ohio.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Cincinnati Financial Corporation reported revenue of $12.6B in FY2025 versus $9.6B in FY2021, a compound +7.0%/yr. Reported net income was $2.4B in FY2025, compounding −5.2%/yr from FY2021.
of which total revenue +9.1 % · buybacks/dilution +0.5 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- The Cincinnati Insurance Company Chief Claims Officer Announces Retirement
- Cincinnati Financial (CINF): The Underrated Dividend King Investors May Be Overlooking
- Is Cincinnati Financial (CINF) Fairly Valued After Its Weaker Quarter And Bigger Buyback?
- Cincinnati Financial (CINF) Board Authorized 53,000,000 Shares For Repurchase
Peer Group
Insurance - Property & Casualty · 117 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Property & Casualty median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Aug 30, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $217.65 | $160.25 | −26% |
| Chubb Limited CB | $338.31 | $234.73 | −31% |
| The Travelers Companies, Inc TRV | $369.90 | $274.42 | −26% |
| The Allstate Corporation ALL | $260.58 | $316.11 | +21% |
| The People's Insurance Company 601319 | ¥7.14 | ¥11.61 | +63% |
| PICC Property and Casualty Company 2328 | HK$15.25 | HK$22.27 | +46% |
| Intact Financial Corporation IFC | C$274.14 | C$167.46 | −39% |
| Fairfax Financial Holdings FFH | C$2,281 | C$2,926 | +28% |
| QBE Insurance Group QBE | A$22.62 | A$14.20 | −37% |
| W. R. Berkley Corporation WRB | $69.50 | $47.08 | −32% |
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