Cincinnati Financial (CINF) Stock Price, News & Analysis

Company Overview

Cincinnati Financial Corporation (NASDAQ: CINF) is a U.S.-based insurance holding company founded in 1950 and headquartered in Fairfield, Ohio. The company’s core business is writing property and casualty insurance through a network of independent agents. Cincinnati Financial operates under a mutual holding company structure, with principal subsidiaries including The Cincinnati Insurance Company, The Cincinnati Indemnity Company and The Cincinnati Life Insurance Company.

The company’s product offerings encompass personal lines such as homeowners, automobile and umbrella coverage, as well as commercial lines including business owners, farm and workers’ compensation policies. Through its life insurance arm, Cincinnati Financial also provides term and whole life policies, disability income protection, and annuities. A hallmark of the firm’s approach is combining local underwriting expertise with centralized risk engineering, claims management and loss control services to support long-term policyholder relationships.

With operations spanning the United States and particular strength in the Midwest and Southeast regions, Cincinnati Financial serves both individual and corporate clients exclusively via independent insurance agents and agencies. As of 2024, Steven J. Johnston holds the positions of Chairman and Chief Executive Officer. Under his leadership, the company emphasizes disciplined underwriting, conservative financial management and strategic investments in technology to enhance customer service and operational efficiency.

Key Stats

• Today's Range: $153.40 to $154.71
• 50-Day Range: $143.72 to $155.40
• 52-Week Range: $123.01 to $161.74
• Volume: 375,893 shs
• Average Volume: 518,310 shs
• Market Capitalization: $24.02 billion
• P/E Ratio: 13.32
• Dividend Yield: 2.27%
• Price Target: $159.40
• Consensus Rating: Moderate Buy

Cincinnati Financial Stock Analysis - MarketRank™

Cincinnati Financial scored higher than 90% of companies evaluated by MarketBeat, and ranked 173rd out of 941 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: 1.4 / 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 4 buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Cincinnati Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 47.76%

Earnings Growth

Earnings for Cincinnati Financial are expected to grow by 47.76% in the coming year, from $5.36 to $7.92 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Cincinnati Financial is 13.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 270.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Cincinnati Financial is 13.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 228.59.

Price to Earnings Growth Ratio

Cincinnati Financial has a PEG Ratio of 7.51. 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 1.68. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.25% 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 3.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Cincinnati Financial has recently decreased by 4.95%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Cincinnati Financial pays a meaningful dividend of 2.26%, 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 30.18%. 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 43.94% next year. This indicates that Cincinnati Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.1 / 5
• Environmental Score: -0.53

Percentage of Shares Shorted

1.25% 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 3.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Cincinnati Financial has recently decreased by 4.95%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 1.05

News Sentiment

Cincinnati Financial has a news sentiment score of 1.05. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 1.18 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 15 news articles for Cincinnati Financial this week, compared to 15 articles on an average week.

Search Interest

Only 3 people have searched for CINF on MarketBeat in the last 30 days. This is a decrease of -75% compared to the previous 30 days.

MarketBeat Follows

3 people have added Cincinnati Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 50% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 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

Only 2.83% 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.

CINF Stock Analysis - Frequently Asked Questions

How have CINF shares performed this year?

Cincinnati Financial's stock was trading at $143.70 at the start of the year. Since then, CINF shares have increased by 6.9% and is now trading at $153.60.

How were Cincinnati Financial's earnings last quarter?

Cincinnati Financial Corporation (NASDAQ:CINF) announced its earnings results on Monday, July, 28th. The insurance provider reported $1.97 EPS for the quarter, topping the consensus estimate of $1.39 by $0.58. Cincinnati Financial's revenue was up 15.5% compared to the same quarter last year.
Read the conference call transcript.

Does Cincinnati Financial have any subsidiaries?

The following companies are subsidiaries of Cincinnati Financial: MSP Underwriting, CFC Investment Company, Cincinnati Global Dedicated No. 2 Ltd.SM, Cincinnati Global Underwriting Agency Ltd.SM, Cincinnati Global Underwriting Ltd.SM, Cincinnati Re, CSU Producer Resources Inc., and more.

Who are Cincinnati Financial's major shareholders?

Cincinnati Financial's top institutional shareholders include Vanguard Group Inc. (12.52%), State Street Corp (5.45%), Charles Schwab Investment Management Inc. (4.14%) and Geode Capital Management LLC (2.60%). Insiders that own company stock include Charles Odell Schiff, Dirk J Debbink, Nancy Cunningham Benacci and Nancy Cunningham Benacci.
View institutional ownership trends.

How do I buy shares of Cincinnati Financial?

Shares of CINF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Cincinnati Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Cincinnati Financial investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Verizon Communications (VZ), Voyager Therapeutics (VYGR), The RMR Group (RMR) and DiamondRock Hospitality (DRH).

Company Calendar

• Record date for 7/15 Dividend: 6/23/2025
• Ex-Dividend for 7/15 Dividend: 6/23/2025
• Dividend Payable: 7/15/2025
• Last Earnings: 7/28/2025
• Today: 8/30/2025
• Record date for 10/15 Dividend: 9/22/2025
• Ex-Dividend for 10/15 Dividend: 9/22/2025
• Dividend Payable: 10/15/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

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: 5,624
• Year Founded: 1950

Price Target and Rating

• Average Price Target for Cincinnati Financial: $159.40
• High Price Target: $175.00
• Low Price Target: $126.00
• Potential Upside/Downside: +3.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.80
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $11.53
• Trailing P/E Ratio: 13.32
• Forward P/E Ratio: 28.66
• P/E Growth: 7.51
• Net Income: $2.29 billion
• Net Margins: 15.59%
• Pretax Margin: 19.24%
• Return on Equity: 7.14%
• Return on Assets: 2.66%

Debt

• Debt-to-Equity Ratio: 0.06
• Current Ratio: 0.29
• Quick Ratio: 0.29

Sales & Book Value

• Annual Sales: $11.67 billion
• Price / Sales: 2.06
• Cash Flow: $8.50 per share
• Price / Cash Flow: 18.07
• Book Value: $91.45 per share
• Price / Book: 1.68

Miscellaneous

• Outstanding Shares: 156,376,000
• Free Float: 151,951,000
• Market Cap: $24.02 billion
• Optionable: Optionable
• Beta: 0.70