Cincinnati Financial/$CINF
1D1W1MYTD1Y5YMAX
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
$25B
7.64
$21.19
0.55
$3.62
2.32%
Price and volume
Market cap
$25B
Beta
0.55
52-week high
$194.81
52-week low
$150.00
Average daily volume
625K
Dividend rate
$3.62
Financial strength
Current ratio
1.033
Quick ratio
0.922
Long term debt to equity
0.052
Total debt to equity
0.053
Dividend payout ratio (TTM)
16.32%
Interest coverage (TTM)
79.40%
Profitability
EBITDA (TTM)
4,365
Gross margin (TTM)
31.07%
Net profit margin (TTM)
23.84%
Operating margin (TTM)
30.16%
Effective tax rate (TTM)
19.93%
Revenue per employee (TTM)
$2,450,000
Management effectiveness
Return on assets (TTM)
6.41%
Return on equity (TTM)
21.48%
Valuation
Price to earnings (TTM)
7.642
Price to revenue (TTM)
1.802
Price to book
1.49
Price to tangible book (TTM)
1.49
Price to free cash flow (TTM)
7.4
Free cash flow yield (TTM)
13.51%
Free cash flow per share (TTM)
21.884
Dividend yield (TTM)
2.24%
Forward dividend yield
2.32%
Growth
Revenue change (TTM)
19.55%
Earnings per share change (TTM)
83.78%
3-year revenue growth (CAGR)
14.19%
10-year revenue growth (CAGR)
10.21%
3-year earnings per share growth (CAGR)
35.11%
10-year earnings per share growth (CAGR)
18.57%
3-year dividend per share growth (CAGR)
7.92%
10-year dividend per share growth (CAGR)
6.77%
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
Underlying underwriting remained healthy in the first half: the current-accident-year combined ratio before catastrophe losses was 87.8%, almost unchanged from 87.7% a year earlier. This suggests the second-quarter deterioration was driven more by volatile weather losses than by a broad collapse in pricing or claims performance. (PR Newswire, Exa)
Investment income and capital strength are supporting shareholder value: first-half pretax investment income rose 13%, operating cash flow increased 29% to $1.4 billion, and book value per share reached a record $108.64. Debt was only 4.6% of total capital, leaving room to absorb insurance volatility while continuing to invest and return capital. (PR Newswire, StockTitan)
Cincinnati still has room to grow through its independent-agent network and specialist lines. Net written premiums rose 3% in the second quarter, while excess and surplus lines grew 8% and Cincinnati Re grew 16%; more than 200 agencies had been appointed during 2026 by the results announcement. (PR Newswire, GoodMoat)
Second-quarter property-casualty underwriting slipped to an $18 million loss, with the combined ratio worsening to 100.8% from 94.9%. Commercial lines were the main weakness, posting a 104.1% combined ratio as catastrophe losses rose, so the core business did not cover claims and expenses in the quarter. (PR Newswire, StockTitan)
Growth momentum is slowing as the property-casualty market softens. Second-quarter new business premiums fell 13% to $353 million, personal-lines premium growth was only 1%, and renewal price increases moderated from the first quarter, limiting near-term premium expansion. (PR Newswire, Exa)
Headline earnings are increasingly exposed to equity-market movements rather than insurance profits. The second quarter included an $882 million after-tax increase in the fair value of held equities, while the equity portfolio represented 39.8% of total investments; a market reversal could therefore reduce net income and book value even if underwriting is stable. (PR Newswire, StockTitan)
Data summarised monthly by Lightyear AI. Last updated on 18 Sept 2026.
CINF Financial Performance
Revenues and expenses
CINF Earnings Performance
Company profitability
Upcoming events
CINF News
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Funds containing CINF
AllEURGBPUSD
Fund name | Fund size | $CINF weighting |
|---|---|---|
SPDR S&P US Dividend Aristocrats€SPYD | €3.3B | 0.84% |
SPDR S&P US Dividend Aristocrats£USDV | £2.8B | 0.84% |
iShares Dow Jones U.S. Select Dividend€EXX5 | €412M | 0.80% |
iShares S&P 500 Financials Sector$IUFS | $2.4B | 0.33% |
iShares Edge S&P 500 Minimum Volatility$SPMV | $1.9B | 0.33% |
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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