Cincinnati Financial/$CINF
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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, and 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
Primary listing
Employees
5,624
Headquarters
Website
CINF Metrics
BasicAdvanced
$24B
13.27
$11.53
0.73
$3.42
2.27%
Price and volume
Market cap
$24B
Beta
0.73
52-week high
$166.90
52-week low
$123.02
Average daily volume
484K
Dividend rate
$3.42
Financial strength
Current ratio
1.052
Quick ratio
0.848
Long term debt to equity
6.007
Total debt to equity
6.181
Dividend payout ratio (TTM)
27.86%
Interest coverage (TTM)
43.38%
Profitability
EBITDA (TTM)
2,446
Gross margin (TTM)
20.84%
Net profit margin (TTM)
15.59%
Operating margin (TTM)
19.70%
Effective tax rate (TTM)
18.97%
Revenue per employee (TTM)
$2,080,000
Management effectiveness
Return on assets (TTM)
3.90%
Return on equity (TTM)
13.44%
Valuation
Price to earnings (TTM)
13.271
Price to revenue (TTM)
2.049
Price to book
1.67
Price to tangible book (TTM)
1.67
Price to free cash flow (TTM)
9.242
Free cash flow yield (TTM)
10.82%
Free cash flow per share (TTM)
16.558
Dividend yield (TTM)
2.24%
Forward dividend yield
2.27%
Growth
Revenue change (TTM)
9.64%
Earnings per share change (TTM)
-15.42%
3-year revenue growth (CAGR)
17.77%
10-year revenue growth (CAGR)
8.54%
3-year earnings per share growth (CAGR)
51.14%
10-year earnings per share growth (CAGR)
11.28%
3-year dividend per share growth (CAGR)
8.37%
10-year dividend per share growth (CAGR)
6.44%
What the Analysts think about CINF
Analyst ratings (Buy, Hold, Sell) for Cincinnati Financial stock.
Bulls say / Bears say
Cincinnati Financial more than doubled its Q2 profit to $685 million, fueled by a 15% increase in earned premiums to $2.48 billion and an 18% rise in investment income to $285 million. (Reuters)
At the end of Q2, the stock is up nearly 4% year-to-date, outperforming the S&P 500 insurance index's 2.3% gain, signaling investor optimism about its results. (Reuters)
In Q1, earned premiums climbed 13% year-over-year to $2.34 billion, with the largest commercial lines segment growing 9% to $1.18 billion, demonstrating strong demand across key business segments. (Reuters)
The company moved to a first-quarter net loss of $90 million, mainly due to catastrophic wildfire losses in California, highlighting significant vulnerability to large-scale disaster events. (Reuters)
An estimated $536 million decline in net investment gains in Q1 placed further pressure on earnings, underscoring volatility in its investment portfolio returns. (Reuters)
Shares have fallen 5.5% in 2025 following the Q1 results, reflecting investor concerns about underwriting volatility and catastrophe losses. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 8 Oct 2025.
CINF Financial Performance
Revenues and expenses
CINF Earnings Performance
Company profitability
CINF News
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FAQs
What’s the current market cap for Cincinnati Financial stock?
Cincinnati Financial (CINF) has a market cap of $24B as of October 18, 2025.
What is the P/E ratio for Cincinnati Financial stock?
The price to earnings (P/E) ratio for Cincinnati Financial (CINF) stock is 13.27 as of October 18, 2025.
Does Cincinnati Financial stock pay dividends?
Yes, the Cincinnati Financial (CINF) stock pays dividends to shareholders. As of October 18, 2025, the dividend rate is $3.42 and the yield is 2.27%. Cincinnati Financial has a payout ratio of 27.86% on a trailing twelve-month basis.
When is the next Cincinnati Financial dividend payment date?
The next Cincinnati Financial (CINF) dividend payment date is unconfirmed.
What is the beta indicator for Cincinnati Financial?
Cincinnati Financial (CINF) has a beta rating of 0.73. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.