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.
It is a $25.1B financial services company. Revenue grew 19.6% over the last year, and it keeps 24¢ of every dollar of sales as profit. It trades at 7.5× earnings — in the cheapest third of its own history.
- Website
- cinfin.com
- Location
- Fairfield, OH
- Employees
- 5 705
- Sector
- Financial Services
- Founded
- 1950
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong valuation and profitability; Growth and Moat lag behind.
Valuation95
- P/E vs own history14th pct · 25/25
- FCF yield13.6% · 25/25
- P/S1.9x · 25/25
- EV/EBITDA10.5x · 20/25
Growth32
- Revenue CAGR7.0% · 12/25
- Net income CAGR-5.1% · 0/25
- EPS CAGR ~5Y15.2% · 20/25
- Fwd implied growth-60.1% · 0/25
Profitability77
- ROIC14.6% · 12/25
- ROE20.9% · 20/25
- Net margin23.8% · 25/25
- Operating margin16.6% · 20/25
Health63
- Altman Zn/a · 0/25
- Current ratio1.87 · 18/25
- Interest coverage43.1x · 25/25
- Net cash / debtD/A 2% · 20/25
Quality60
- Piotroski F5/9 · 15/25
- Beneish M-2.42 · 20/25
- FCF conversion102% · 25/25
- Margin stabilityσ 28.1% · 0/25
Moat45
- ROIC >12% years4/5 yrs · 20/25
- Median gross marginn/a · 0/25
- FCF-positive years10/10 yrs · 25/25
- Worst-year net marginworst -7.4% · 0/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2023FinancialRevenue crossed $10B$10.0B for the year
- FY2021FinancialBest year on record$2.95B net income
- FY2020FinancialBecame debt-freecash now exceeds total debt
- May 1, 2019AcquisitionMSP Underwriting, a global specialty underwriter, was acquired in February 2019
- FY2016FinancialFirst recorded profitable year$591M net income
- FY2016FinancialRevenue already above $1B$5.45B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
- 1950FoundedThe Cincinnati Insurance Company was founded in 1950 by four agents, including brothers John Jack Schiff and Robert…
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Strongly profitable — 23.8% net margin
- Revenue growing 19.6% year over year
- Strong cash conversion — FCF is 24.4% of revenue
- Interest covered 43.1× by operating earnings
Watch-outs
- Loss-making in 1 of the recent years
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+19.6% YoY
- Profitable — makes more than it spends$3.33B TTM
- Profit growing — earnings are higher than last year+15.2% YoY
- Generates cash — cash left after running and investing$3.40B TTM
- Debt under control — could handle its obligations~0.2y of cash flow to repay
- Established company — not a micro-cap — lower blow-up risk$25.1B market cap
- Not printing shares — share count not ballooning — you keep your slice-2.8% shares over ~5y
- Proven track record — years of profitability behind it9/10 profitable years
- Financially stable — balance sheet not near distresshealth score 43/100
- Pays a dividend — returns cash to shareholdersyield 2.17%
- Valuation not extreme — price not wildly above earningsP/E 7.5
Peer comparisonCincinnati Financial Corp vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| CINF this company | $25.1B | 7.5 | +19.6% | 23.8% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: CINF vs BRK.A · CINF vs BRK.B · CINF vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/CINF
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of CINF on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $163.39 · market cap $25.1B.