Cincinnati Financial Corporatio (CINF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Cincinnati Financial Corporatio

NasdaqGS•Financial Services•Insurance - Property & Casualty

$169.00-0.90(-0.01%)After hours

Market Cap

$26.18B

P/E

7.9x

P/S

1.9x

P/B

1.6x

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.

How this company scores

ExcellentMetricSide Score: 95/100

Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (21/25).

Profitability25/25

Growth24/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowStrong marginsHigh ROE

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 7.9x5y range 6.2x – 1445.7x

Currently near its 18-quarter median.

P/S · 1.9x5y range 1.6x – 2.6x

Currently near its 20-quarter median.

P/B · 1.6x5y range 1.3x – 1.8x

Currently near its 20-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Price & Volume

Market Cap $26.18B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $13.95B
Q. Revenue: $4.27B
TTM EBITDA: $4.16B
TTM Op. Income: $4.16B
Q. Op. Income: $1.58B
TTM Net Income: $3.33B
Q. Net Income: $1.25B
EPS: $8.14
Shares Out.: $154.10M

$13.95B in TTM revenue grew 19.6% YoY, reaching $4.27B last quarter. TTM EBITDA of $4.16B and TTM operating income of $4.16B show growth is flowing through to the bottom line. TTM net income of $3.33B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 36.9%
Op. Margin: 36.9%
Net Margin: 29.4%

Op. margin of 36.9% is up 10.6% YoY — cost efficiency is improving. Net margin at 29.4% Over the past year, operating margin is up 40% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 7.9x
P/S Ratio: 1.9x
P/B Ratio: 1.6x

At 7.9x P/E, the stock trades below typical market levels. P/S of 1.9x and P/B of 1.6x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 5 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $43.23B
Cash: $1.75B
Long-Term Debt: $791.00M
Book Value: $16.67B
D/E Ratio: 0.0
Debt/EBITDA: 0.5

With $43.23B in assets and $791.00M in long-term debt, D/E is 0.0and book value is $16.67B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 14% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $700.00M
TTM Free Cash Flow: $3.40B
FCF Margin: 24.4%
FCF / Net Income: 1.0

TTM FCF of $3.40B on $700.00M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 31% — a weakening trend.