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Cincinnati Financial (CINF) Stock Analysis

This is a peer-relative look at Cincinnati Financial (CINF): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Cincinnati Financial (CINF)
Profile ItemCINF
NameCincinnati Financial Corporation
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupInsurance
GICS IndustryInsurance
GICS Sub-IndustryProperty & Casualty Insurance
Market Capitalization28.47 billion USD
CurrencyUSD
ExchangeNasdaq
Listing DateMarch 17, 1980
Security TypeCommon Stock

Price Performance

Cumulative Growth

CINF
GSPC
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Cincinnati Financial (CINF) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Cincinnati Financial (CINF) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Cincinnati Financial (CINF) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Cincinnati Financial (CINF) metric values compared with Insurance industry-group medians
MetricCurrent stock: CINFIndustry group median
Total Return (1Y)15.64%13.21%
Total Return (3Y, Annualized)26.43%16.41%
Total Return (5Y, Annualized)11.17%10.37%

Risk Profile

Drawdown History

CINF
GSPC
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Cincinnati Financial (CINF) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Cincinnati Financial (CINF) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Cincinnati Financial (CINF) metric values compared with Insurance industry-group medians
MetricCurrent stock: CINFIndustry group median
Volatility (1Y, Annualized)20.57%28.84%
Beta (5Y)0.460.50
Max Drawdown (5Y)-35.77%-38.77%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. CINF is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Cincinnati Financial (CINF) metric values compared with Insurance industry-group medians
MetricCurrent stock: CINFIndustry group median
Sharpe Ratio (1Y)0.550.28
Sortino Ratio (1Y)0.800.41

Profitability

ROE (TTM)

Cincinnati Financial (CINF) posts ROE of 16.87%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

CINF

Insurance industry group

16.87%

Group distribution
Max
41.68%
Q3
22.04%
CINF
16.87%
Median
14.81%
Q1
8.79%
Min
-10.66%
Largest peers
PGR
33.24%
TRV
27.50%
MRSH
27.24%
CINF
16.87%
CB
14.25%
MFC
12.24%
AJG
7.21%
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Where Cincinnati Financial (CINF) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Cincinnati Financial (CINF) keeps 20.07% of revenue as net profit, putting net margin in the upper peer quartile. After operating costs, interest, and taxes, more of each sales dollar reaches shareholders than it does at most industry peers.

CINF

Insurance industry group

20.07%

Group distribution
Max
29.92%
CINF
20.07%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%
Largest peers
CINF
20.07%
MFC
18.97%
CB
18.13%
TRV
17.03%
MRSH
14.20%
PGR
12.67%
AJG
10.78%
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Where Cincinnati Financial (CINF) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Cincinnati Financial (CINF) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Cincinnati Financial (CINF) metric values compared with Insurance industry-group medians
MetricCurrent stock: CINFIndustry group median
ROE (TTM)16.87%14.81%
ROA (TTM)5.03%2.72%
Net Margin (TTM)20.07%10.97%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Cincinnati Financial (CINF) grew revenue 11.41%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

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Cincinnati Financial (CINF): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

Cincinnati Financial (CINF) grew earnings per share 4.40%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Cincinnati Financial (CINF): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

Cincinnati Financial (CINF) metric values compared with Insurance industry-group medians
MetricCurrent stock: CINFIndustry group median
Revenue Growth (YoY)11.41%7.89%
Revenue Growth (3Y CAGR)24.39%11.40%
EPS Growth (YoY)4.40%21.77%
EPS Growth (3Y CAGR)--18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Cincinnati Financial (CINF) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Cincinnati Financial (CINF) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Cincinnati Financial (CINF) metric values compared with Insurance industry-group medians
MetricCurrent stock: CINFIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Cincinnati Financial (CINF) has dividend yield of 1.96%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

CINF

Insurance industry group

1.96%

Group distribution
Max
5.12%
Q3
2.15%
CINF
1.96%
Median
0.98%
Q1
0.00%
Min
0.00%
Largest peers
MFC
4.32%
CINF
1.96%
MRSH
1.80%
TRV
1.17%
CB
1.07%
AJG
0.95%
PGR
0.17%
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Where Cincinnati Financial (CINF) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Cincinnati Financial (CINF) has payout ratio of 21.65%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

CINF

Insurance industry group

21.65%

Group distribution
Max
76.67%
Q3
35.18%
CINF
21.65%
Median
14.74%
Q1
0.00%
Min
0.00%
Largest peers
PGR
70.03%
MFC
54.30%
MRSH
44.14%
AJG
41.98%
CINF
21.65%
CB
13.95%
TRV
12.36%
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Where Cincinnati Financial (CINF) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Cincinnati Financial (CINF) metric values compared with Insurance industry-group medians
MetricCurrent stock: CINFIndustry group median
Dividend Yield (TTM)1.96%0.98%
Dividend Payout Ratio (TTM)21.65%14.74%

Valuation

P/E Ratio (TTM)

Cincinnati Financial (CINF) trades at P/E ratio of 10.88, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

CINF

Insurance industry group

10.88

Group distribution
Max
28.37
Q3
18.75
Median
12.23
CINF
10.88
Q1
9.08
Min
2.32
Largest peers
AJG
42.99
MRSH
24.50
MFC
17.23
CB
12.79
PGR
11.47
CINF
10.88
TRV
10.39
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Where Cincinnati Financial (CINF) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Cincinnati Financial (CINF) trades at 2.14 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

CINF

Insurance industry group

2.14

Group distribution
Max
4.03
Q3
2.25
CINF
2.14
Median
1.23
Q1
0.85
Min
0.07
Largest peers
AJG
4.58
MRSH
3.42
CB
2.25
CINF
2.14
MFC
2.11
TRV
1.66
PGR
1.44
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Where Cincinnati Financial (CINF) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Cincinnati Financial (CINF) trades at 1.76 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

CINF

Insurance industry group

1.76

Group distribution
Max
5.07
Q3
2.79
CINF
1.76
Median
1.76
Q1
1.23
Min
0.30
Largest peers
MRSH
6.64
PGR
3.82
AJG
3.00
TRV
2.79
MFC
2.13
CB
1.91
CINF
1.76
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Where Cincinnati Financial (CINF) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Cincinnati Financial (CINF) metric values compared with Insurance industry-group medians
MetricCurrent stock: CINFIndustry group median
P/E Ratio (TTM)10.8812.23
P/S Ratio (TTM)2.141.23
P/B Ratio (MRQ)1.761.76
Free Cash Flow Yield (TTM)----