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CINF
Cincinnati Financial Corporation
Summary
Business
Earnings Call
Valuation
Profitability
Financial Health
Intel
Yearly Return 10Y annualized return is very good at 11.6% per year
Earnings Expectations CINF has met or exceeded earnings expectations in the majority of recent quarters (8/10)
Positive Reasonable Price-to-Earnings Ratio
Positive Attractive Price-to-Book Ratio
Negative Price-to-Sales Ratio
Negative Impact of Catastrophic Losses

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Cincinnati Financial Corporation demonstrates strong business quality through effective risk management, solid operating performance, and financial strength. However, challenges such as catastrophic losses and a moderating pricing environment present potential risks to future growth. Overall, the company is well-positioned but must navigate these challenges carefully.

Analysis Date: February 11, 2025
Last Updated: May 29, 2025

+201%
+11.6% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NASDAQ
Industry Insurance - Property & Casualty
Sector Financial Services
Market Cap $22.16B
CEO Mr. Stephen Michael Spray

Cincinnati Financial Corporation is a company that helps protect people and businesses from losses by offering different types of insurance. They provide coverage for things like cars, homes, and businesses, so if something bad happens—like an accident or damage—they can help pay for the costs. The company also sells life insurance, which offers financial support to families when a loved one passes away. Additionally, they invest money in various assets to grow their funds and support their insurance products.

Streams of revenue

Commercial Lines Insurance: 55%
Personal Lines Insurance: 33%
Excess and Surplus Lines Insurance: 8%
Life Insurance Product Line: 4%

Geographic Distribution

Other: 100%

Core Products

❤️
Life Insurance Life coverage
🏠
Homeowners Insurance Home protection
🛡️
Workers' Compensation Employee injury cover
🚗
Personal Auto Insurance Car coverage
🏢
Commercial Property Insurance Business property cover

Business Type

B2C Business to Consumer

Competitive Advantages

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Key Business Risks

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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

Graham Value Metrics

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ROE: 10.672272006490394

ROA: None

Gross Profit Margin: 100.0

Net Profit Margin: 13.192924872355944

Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

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Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.

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About Financial Health Metrics

Financial health metrics assess a company's ability to meet its financial obligations and its overall financial stability.

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Meeting Expectations

8 /10

Higher values indicate better execution and credibility

Recent Results

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EPS

-0.62
Estimated
-0.24
Actual
+60.66%
Difference

Revenue

$2403828571
Estimated
$2566000000
Actual
-7.89%
Difference
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Insider trading data shows purchase and sale activities by company executives and board members.

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CINF Stock Analysis: Cincinnati Financial Corporation Investment Guide

CINF (Cincinnati Financial Corporation) is a Financial Services company listed on NASDAQ Global Select. The stock has generated 11.6% annual returns with an overall investment score of None/100.

Cincinnati Financial Corporation demonstrates strong business quality through effective risk management, solid operating performance, and financial strength. However, challenges such as catastrophic losses and a moderating pricing environment present potential risks to future growth. Overall, the company is well-positioned but must navigate these challenges carefully.

CINF Key Financial Metrics

CINF financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 6.416430863041851/100 and profitability score of 2.5/100 with financial health rated 5.45/100.

About Cincinnati Financial Corporation

Cincinnati Financial Corporation is a company that helps protect people and businesses from losses by offering different types of insurance. They provide coverage for things like cars, homes, and businesses, so if something bad happens—like an accident or damage—they can help pay for the costs. The company also sells life insurance, which offers financial support to families when a loved one passes away. Additionally, they invest money in various assets to grow their funds and support their insurance products.

CINF Investment Recommendation

Based on our comprehensive analysis of CINF, investors should consider the company's strong performance track record, earnings consistency (8/10 quarters beat expectations), and current valuation metrics when making investment decisions.

Financial Services Sector Analysis

CINF operates in the Insurance - Property & Casualty industry within the Financial Services sector. This analysis compares Cincinnati Financial Corporation performance against industry and sector benchmarks to provide context for investment decisions.

Frequently Asked Questions about CINF Stock

Is CINF a good investment?

CINF (Cincinnati Financial Corporation) has generated 11.6% annual returns with an overall score of None/100. Cincinnati Financial Corporation demonstrates strong business quality through effective risk management, solid operating performance, and financial strength. However, challenges such as catastrophic losses and a moderating pricing environment present potential … Investors should consider their risk tolerance and investment goals when evaluating CINF.

What is CINF P/E ratio and valuation?

CINF valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Insurance - Property & Casualty industry and Financial Services sector benchmarks. The company currently has a valuation score of 6.416430863041851/100.

Should I buy CINF stock now?

The decision to buy CINF stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides profitability score of 2.5/100, financial health score of 5.45/100, and detailed performance metrics to help inform your investment decision.

What are CINF financial health indicators?

CINF financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 5.45/100 based on comprehensive analysis of balance sheet strength and operational efficiency.

How does CINF compare to competitors?

CINF performance is benchmarked against Insurance - Property & Casualty industry peers and Financial Services sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for Cincinnati Financial Corporation's market position.

What are CINF historical returns?

CINF has generated 11.6% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.

CINF Key Investment Metrics Summary

  • Annual Return: 11.6%
  • Valuation Score: 6.416430863041851/100
  • Profitability Score: 2.5/100
  • Financial Health Score: 5.45/100
  • Growth Score: -12.499778557156183/100
  • Earnings Beat Rate: 8/10 quarters
  • Sector: Financial Services
  • Industry: Insurance - Property & Casualty
  • Exchange: NASDAQ Global Select
  • Market Cap: 22157651250

CINF Investment Thesis

Cincinnati Financial Corporation (CINF) represents a strong investment opportunity in the Financial Services sector. With an overall score of None/100, the company demonstrates areas for financial improvement.

Investment Strengths

  • Reasonable Price-to-Earnings Ratio
  • Attractive Price-to-Book Ratio
  • Strong Profit Margins
  • Good Return on Equity
  • Excellent Liquidity Ratios
  • Low Debt Levels
  • Strong Operating Performance
  • Effective Risk Management
  • Financial Strength and Stability
  • Strategic Expansion Opportunities
  • Dividend Increase and Shareholder Value

Investment Risks

  • Price-to-Sales Ratio
  • Impact of Catastrophic Losses
  • Moderating Pricing Cycle
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