Cincinnati Financial/$CINF
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Cincinnati Financial
Cincinnati Financial Corp is a property and casualty insurance company that generates income through written premiums. A select group of independent agencies actively markets the company's business, home, and automotive insurance within their communities. These agents offer the company's personal lines as well as its standard market, excess, and surplus commercial line policies in many regions in the United States. Cincinnati Financial also offers leasing and financing services. The company operates in segments: Commercial lines insurance, Personal lines insurance, Excess and surplus lines insurance, Life insurance, and Investments. The vast majority of the company's revenue is generated through commercial lines, followed by personal lines.
- Ticker
- $CINF
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 5,705
- Headquarters
- Fairfield, United States
- Website
- www.cinfin.com
CINF Metrics
BasicAdvanced
$29B
11.17
$17.04
0.53
$3.69
1.98%
Price and volume
Market cap
$29B
Beta
0.53
52-week high
$195.72
52-week low
$153.40
Average daily volume
652K
Dividend rate
$3.69
Financial strength
Current ratio
1.052
Quick ratio
0.876
Long term debt to equity
0.053
Total debt to equity
0.054
Dividend payout ratio (TTM)
20.68%
Interest coverage (TTM)
64.37%
Profitability
EBITDA (TTM)
3,508
Gross margin (TTM)
26.20%
Net profit margin (TTM)
20.07%
Operating margin (TTM)
25.21%
Effective tax rate (TTM)
19.15%
Revenue per employee (TTM)
$2,330,000
Management effectiveness
Return on assets (TTM)
5.03%
Return on equity (TTM)
16.87%
Valuation
Price to earnings (TTM)
11.167
Price to revenue (TTM)
2.216
Price to book
1.81
Price to tangible book (TTM)
1.81
Price to free cash flow (TTM)
9.559
Free cash flow yield (TTM)
10.46%
Free cash flow per share (TTM)
19.909
Dividend yield (TTM)
1.94%
Forward dividend yield
1.98%
Growth
Revenue change (TTM)
9.91%
Earnings per share change (TTM)
26.79%
3-year revenue growth (CAGR)
10.75%
10-year revenue growth (CAGR)
9.41%
3-year earnings per share growth (CAGR)
17.15%
10-year earnings per share growth (CAGR)
15.92%
3-year dividend per share growth (CAGR)
7.87%
10-year dividend per share growth (CAGR)
6.86%
What the Analysts think about CINF
Analyst ratings (Buy, Hold, Sell) for Cincinnati Financial stock.
Analyst projections of the future price of Cincinnati Financial stock.
Bulls say / Bears say
Nine-month property and casualty premiums grew 7%, while the combined ratio improved to 95.8% from 98.4% a year earlier. That signals profitable growth within management’s 92%–98% target, despite higher catastrophe losses in the latest quarter. (Cincinnati Financial)
Investment income rose 10% in the third quarter and 12% over nine months, helped by stronger bond interest. A growing recurring income stream can support earnings even when underwriting or market gains fluctuate. (Cincinnati Financial)
Specialty businesses are adding growth beyond the core lines: third-quarter premiums rose 34% at Cincinnati Re and 13% at Cincinnati Global, which reported a 70.7% combined ratio. These operations broaden the sources of premium and underwriting profit. (The Motley Fool)
Catastrophe losses remain a source of sharp earnings swings: they added 14.4 percentage points to the combined ratio in Q2, pushing it above 100%, and were also much higher year on year in Q3. Repeated severe weather could quickly erode underwriting profits. (Reuters, Cincinnati Financial)
Premium momentum is cooling: third-quarter property and casualty premium growth slowed to 2%, and agency new-business premiums fell 12%. Commercial lines’ nine-month combined ratio worsened to 98.5% from 92.0%, leaving little room for further claims or expense pressure. (Cincinnati Financial)
Reported earnings are exposed to investment-market swings: third-quarter net income fell 59% year on year as after-tax investment gains declined by $657 million, while the bond portfolio recorded a $1.5 billion net unrealised loss. This can make results and book value volatile even when operating income is steadier. (Cincinnati Financial, The Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 11 Nov 2026.
CINF Financial Performance
Revenues and expenses
CINF Earnings Performance
Company profitability
Upcoming events
No upcoming events
CINF News
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Funds containing CINF
AllUSDEURGBP
Fund name | Fund size | $CINF weighting |
|---|---|---|
SPDR S&P US Dividend Aristocrats€SPYD | $3.9B | 1.09% |
SPDR S&P US Dividend Aristocrats£USDV | $3.9B | 1.09% |
Invesco S&P 500 Low Volatility£SPLG | $143M | 1.01% |
SPDR S&P 500 Low Volatility$LOWV | $113M | 1.01% |
SPDR S&P 500 Low Volatility£USLV | $113M | 1.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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