Cincinnati Financial (CINF) Stock Price, News & Analysis

Company Overview

Cincinnati Financial Corporation (NASDAQ: CINF) is an insurance holding company headquartered in the Cincinnati area of Ohio that provides property and casualty insurance products and related services. Founded as part of the Cincinnati Insurance group, the company operates through a set of insurance subsidiaries to underwrite and service policies for both personal and commercial customers. Cincinnati Financial is publicly traded and emphasizes underwriting discipline and long-term relationships with its distribution partners and policyholders.

The company’s core business centers on property and casualty insurance, including homeowners, automobile, commercial casualty, commercial multi-peril, and specialty commercial coverages. It also offers ancillary products such as surety, umbrella, inland marine, farm insurance, and other specialty lines. Through affiliated life and benefits companies, Cincinnati Financial provides life insurance, disability income insurance and select employee benefits products, enabling the group to serve a range of personal and business insurance needs.

Cincinnati Financial distributes its products primarily through a network of independent insurance agents and brokers, which serve as the principal point of contact for underwriting, policy placement and claims handling. Operational activities include underwriting, claims services, risk management, and an investment portfolio that supports the company’s reserve and capital requirements. The company’s subsidiaries, which include well-known operating entities within the Cincinnati Insurance group, carry out underwriting and policy administration functions.

Operating principally within the United States, Cincinnati Financial focuses on building long-term relationships with agents and customers and maintaining conservative underwriting and investment practices. The company is governed by an executive management team and a board of directors that oversee strategy, risk management and capital allocation. Its business model centers on steady underwriting performance and customer service delivered through a broad independent agent distribution network.

Key Stats

• Today's Range: $167.61 to $169.50
• 50-Day Range: $153.68 to $168.53
• 52-Week Range: $143.37 to $174.27
• Volume: 332,120 shs
• Average Volume: 675,456 shs
• Market Capitalization: $26.00 billion
• P/E Ratio: 9.61
• Dividend Yield: 2.24%
• Price Target: $178.75
• Consensus Rating: Moderate Buy

Cincinnati Financial Stock Analysis - MarketRank™

Cincinnati Financial scored higher than 67% of companies evaluated by MarketBeat, and ranked 470th out of 881 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Cincinnati Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.80, and is based on no strong buy ratings, 4 buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Cincinnati Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Cincinnati Financial has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 4.88%

Earnings Growth

Earnings for Cincinnati Financial are expected to grow by 4.88% in the coming year, from $8.61 to $9.03 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Cincinnati Financial is 9.61, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.79.

Price to Earnings Ratio vs. Sector

The P/E ratio of Cincinnati Financial is 9.61, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.96.

Price to Earnings Growth Ratio

Cincinnati Financial has a PEG Ratio of 3.65. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

Cincinnati Financial has a P/B Ratio of 1.65. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.87% of the float of Cincinnati Financial has been sold short.

Short Interest Ratio / Days to Cover

Cincinnati Financial has a short interest ratio ("days to cover") of 3.23, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Cincinnati Financial has recently increased by 20.52%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Cincinnati Financial pays a meaningful dividend of 2.24%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Cincinnati Financial has been increasing its dividend for 65 years.

Dividend Coverage

The dividend payout ratio of Cincinnati Financial is 21.50%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Cincinnati Financial will have a dividend payout ratio of 41.64% next year. This indicates that Cincinnati Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

Search Interest

3 people have searched for CINF on MarketBeat in the last 30 days. This is an increase of 200% compared to the previous 30 days.

MarketBeat Follows

Only 1 people have added Cincinnati Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Cincinnati Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

2.94% of the stock of Cincinnati Financial is held by insiders.

Percentage Held by Institutions

65.24% of the stock of Cincinnati Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 4/15 Dividend: 3/24/2026
• Ex-Dividend for 4/15 Dividend: 3/24/2026
• Dividend Payable: 4/15/2026
• Last Earnings: 4/27/2026
• Today: 5/24/2026
• Record date for 7/15 Dividend: 6/23/2026
• Ex-Dividend for 7/15 Dividend: 6/23/2026
• Dividend Payable: 7/15/2026
• Next Earnings (Estimated): 7/27/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: INS - PROP&CASLTY
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NASDAQ:CINF
• CIK: 20286
• Web: www.cinfin.com
• Phone: (513) 870-2000
• Fax: 513-870-2066
• Employees: 5,705
• Year Founded: 1950

Price Target and Rating

• Average Price Target for Cincinnati Financial: $178.75
• High Price Target: $191.00
• Low Price Target: $157.00
• Potential Upside/Downside: +6.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.80
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $17.49
• Trailing P/E Ratio: 9.61
• Forward P/E Ratio: 19.52
• P/E Growth: 3.65
• Net Income: $2.39 billion
• Net Margins: 21.33%
• Pretax Margin: 26.56%
• Return on Equity: 10.57%
• Return on Assets: 4.01%

Debt

• Debt-to-Equity Ratio: 0.06
• Current Ratio: 0.28
• Quick Ratio: 0.28

Sales & Book Value

• Annual Sales: $12.63 billion
• Price / Sales: 2.06
• Cash Flow: $9.12 per share
• Price / Cash Flow: 18.44
• Book Value: $101.59 per share
• Price / Book: 1.65

Miscellaneous

• Outstanding Shares: 154,690,000
• Free Float: 150,139,000
• Market Cap: $26.00 billion
• Optionable: Optionable
• Beta: 0.59