Val
—
Gro
—
Qua
—
Mom
—
Sta
—
Cap—
P/S1.99
P/E—
Fwd P/E19.80
PEG2.19
52W— – —
RSI—
Target$190.83 (+5.2%)
Beta0.55
Div1.98%
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RSI (14)
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Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance; universal life insurance; and worksite and whole life insurance products, as well as annuities. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. The company was founded in 1950 and is headquartered in Fairfield, Ohio.
52-Week Range
52W Low
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52W High
Position in Range
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RSI (14)
0 · Oversold
RSI 53
Overbought · 100
Signal
Neutral
EMA Price Levels
Volume Analysis
Momentum Dashboard
Trend Strength
Detected Patterns
2Bullish
1Bearish
0Neutral
▲ Double Bottom — Two lows ~$156.34 — bullish reversal confirmed
▲ Bull Flag — Breakout after +10% pole — bullish continuation
▼ Double Top — Two peaks ~$168.22 — bearish reversal confirmed
View overlays on the price chart via Chart tab → Pattern Overlays.
EPS — History & Forecast
Estimate
Beat
Miss
Forecast
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Revenue — History & Forecast
Revenue
Forecast
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EPS Beat Rate
88%
7/8 quarters
Wall Street Consensus
BUY
BuyHoldSell
Price Target Range
$190.83
+5.2% upside
Low $172
—
High $201
Consensus
Current price
Wall Street Analyst Ratings
| Firm | Rating | Change | Action | Date |
|---|---|---|---|---|
| Roth Capital | Buy | — | ↔ Maintain | 2026-07-28 |
| Piper Sandler | Neutral | — | ↔ Maintain | 2026-07-15 |
| Keefe, Bruyette & Woods | Market Perform | Outperform → Market Perform | ▼ Downgrade | 2026-07-08 |
| B of A Securities | Buy | — | ↔ Maintain | 2026-04-14 |
Roth Capital
2026-07-28
Buy
↔ Maintain
Piper Sandler
2026-07-15
Neutral
↔ Maintain
Keefe, Bruyette & Woods
2026-07-08
Market Perform
(from Outperform)
▼ Downgrade
B of A Securities
2026-04-14
Buy
↔ Maintain
Profitability
Gross Margin
31.07%TTM
Op. Margin
37.20%TTM
ROE
21.48%TTM
Rev. Growth
31.60%YoY
Free Cash Flow
N/ATTM
FCF Yield
—TTM
Balance Sheet
Debt / Equity
5.25MRQ
Current Ratio
1.03MRQ
Cash
1.75BMRQ
Total Debt
876.00MMRQ
Net Debt
—MRQ
Income
Div. Yield
1.98%TTM
Annual Rate
3.76Fwd
Payout Ratio
20.30%TTM
Dividend History
Payout Ratio (TTM): 20.30%
| Date | Amount / Share | Yield at Payment |
|---|---|---|
| 2026-06-23 | $0.9400 | 0.54% |
| 2026-03-24 | $0.9400 | 0.60% |
| 2025-12-22 | $0.8700 | 0.53% |
| 2025-09-22 | $0.8700 | 0.57% |
| 2025-06-23 | $0.8700 | 0.60% |
| 2025-03-24 | $0.8700 | 0.61% |
| 2024-12-19 | $0.8100 | 0.59% |
| 2024-09-17 | $0.8100 | 0.62% |
| 2024-06-18 | $0.8100 | 0.75% |
| 2024-03-18 | $0.8100 | 0.72% |
| 2023-12-18 | $0.7500 | 0.78% |
| 2023-09-15 | $0.7500 | 0.75% |
| 2023-06-15 | $0.7500 | 0.80% |
| 2023-03-16 | $0.7500 | 0.73% |
| 2022-12-15 | $0.6900 | 0.73% |
| 2022-09-15 | $0.6900 | 0.76% |
| 2022-06-16 | $0.6900 | 0.68% |
| 2022-03-17 | $0.6900 | 0.58% |
| 2021-12-15 | $0.6300 | 0.61% |
| 2021-09-15 | $0.6300 | 0.60% |
| 2021-06-16 | $0.6300 | 0.59% |
| 2021-03-16 | $0.6300 | 0.67% |
| 2020-12-15 | $0.6000 | 0.85% |
| 2020-09-15 | $0.6000 | 0.91% |
| 2020-06-16 | $0.6000 | 1.10% |
| 2020-03-17 | $0.6000 | 0.83% |
| 2019-12-18 | $0.5600 | 0.64% |
| 2019-09-17 | $0.5600 | 0.58% |
| 2019-06-18 | $0.5600 | 0.64% |
| 2019-03-19 | $0.5600 | 0.80% |
| 2018-12-18 | $0.5300 | 0.84% |
| 2018-09-18 | $0.5300 | 0.83% |
| 2018-06-19 | $0.5300 | 0.94% |
| 2018-03-20 | $0.5300 | 0.87% |
| 2017-12-19 | $0.5000 | 0.85% |
| 2017-11-30 | $0.5000 | 0.84% |
| 2017-09-21 | $0.5000 | 0.83% |
| 2017-06-19 | $0.5000 | 0.87% |
| 2017-03-20 | $0.5000 | 0.86% |
| 2016-12-19 | $0.4800 | 0.81% |
How CINF Makes Its Money
Cash Flow Breakdown
Quarterly Metrics
| Quarter | Revenue | Rev YoY | Gross Profit | Op. Income | Net Income | Net YoY | Gross % | Op % | Net % |
|---|
Full Key Statistics
Valuation
| Market Cap | 27.83B |
| Enterprise Value | 27.08B |
| Trailing P/E | 10.37 |
| Forward P/E | 19.80 |
| PEG Ratio (5yr) | 2.19 |
| Price/Sales (ttm) | 1.99 |
| Price/Book (mrq) | 1.68 |
| EV/Revenue | 1.94 |
| EV/EBITDA | 6.21 |
Share Statistics
| Avg Vol (3m) | 820.48K |
| Shares Outstanding | 153.48M |
| Float | 151.30M |
| % Held by Insiders | 1.73% |
| % Held by Institutions | 72.40% |
| Short Ratio | 3.36 |
| Short % of Float | 2.57% |
Profitability
| Gross Margin | 31.07% |
| Operating Margin (ttm) | 37.20% |
| Profit Margin | 23.84% |
| Return on Assets (ttm) | 6.41% |
| Return on Equity (ttm) | 21.48% |
Income Statement
| Revenue (ttm) | 13.95B |
| Revenue Growth (yoy) | 31.60% |
| Gross Profit (ttm) | 4.34B |
| EBITDA | 4.36B |
| Net Income (ttm) | 3.33B |
| Diluted EPS (ttm) | 17.49 |
| EPS Growth (yoy) | 85.50% |
Balance Sheet
| Total Cash (mrq) | 1.75B |
| Total Debt (mrq) | 876.00M |
| Debt / Equity (mrq) | 5.25 |
| Current Ratio (mrq) | 1.03 |
| Book Value / Share | 108.13 |
| Operating CF (ttm) | N/A |
| Free Cash Flow (ttm) | N/A |
Trading & Dividends
| Beta (5Y) | 0.55 |
| 50-Day MA | 173.62 |
| 200-Day MA | 165.20 |
| Fwd Dividend Yield | 206.00% |
| Payout Ratio | 20.30% |
Ownership Breakdown
Institutional 72.40%
Insider 1.73%
Public 25.9%
Short Interest
2.57% of float
Low
Institutional 13F Holdings
Famous investors who disclosed a position in CINF in their latest SEC 13F filing.
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Insider Transactions
| Date | Insider | Role | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-06-08 | KELLINGTON JOHN S | Officer | Conversion of Exercise of derivative security at price 85.67 per share. | 24,221 | $2,075,013 |
| 2026-05-28 | FU LUYANG | Officer | Conversion of Exercise of derivative security at price 85.67 per share. | 774 | $66,309 |
| 2026-05-07 | HOGAN THOMAS CHRISTOPHER | Officer | Conversion of Exercise of derivative security at price 70.70 - 71.19 per share. | 1,444 | $102,560 |
| 2026-05-05 | BROWN ROGER A. | Officer | Conversion of Exercise of derivative security at price 71.19 per share. | 6,900 | $491,211 |
| 2026-05-05 | BROWN ROGER A. | Officer | Stock Gift at price 0.00 per share. | 2,500 | — |
| 2026-05-01 | SEWELL MICHAEL J | Chief Financial Officer | Conversion of Exercise of derivative security at price 70.70 per share. | 36,909 | $2,609,466 |
| 2026-04-29 | FU LUYANG | Officer | Conversion of Exercise of derivative security at price 71.19 per share. | 957 | $68,129 |
| 2026-04-29 | CRACAS TERESA C | Officer | Conversion of Exercise of derivative security at price 70.70 per share. | 15,386 | $1,087,790 |
| 2026-04-29 | KELLINGTON JOHN S | Officer | Conversion of Exercise of derivative security at price 71.19 per share. | 28,156 | $2,004,426 |
| 2026-03-02 | SWISHER CHET HOGAN | Officer | Conversion of Exercise of derivative security at price 70.70 per share. | 1,128 | $59,812 |
| 2026-03-02 | CRACAS TERESA C | Officer | 10,852 | — | |
| 2026-03-02 | SEWELL MICHAEL J | Chief Financial Officer | 17,090 | — | |
| 2026-03-02 | DELANEY ANGELA OSSELLO | Officer | 7,661 | — | |
| 2026-03-02 | SCHAMBOW MARC JON | Officer | 8,398 | — | |
| 2026-03-02 | SOLORIA STEVEN ANTHONY | Chief Investment Officer | 8,299 | — | |
| 2026-03-02 | HOGAN THOMAS CHRISTOPHER | Officer | 333 | — | |
| 2026-03-02 | CHAPEL DAWN SHANNON | Officer | 250 | — | |
| 2026-03-02 | SCHULER SCOTT ALAN | Officer | 250 | — | |
| 2026-03-02 | SPRAY STEPHEN M | Chief Executive Officer | 15,691 | — | |
| 2026-03-02 | VAN DEN HEUVEL WILL H | Officer | 8,229 | — | |
| 2026-03-02 | BROWN ROGER A. | Officer | 5,935 | — | |
| 2026-03-02 | GIVLER SEAN MICHAEL | Officer | 8,735 | — | |
| 2026-03-02 | KELLINGTON JOHN S | Officer | 11,920 | — | |
| 2026-03-02 | JOHNSTON STEVEN J | Chairman of the Board | 30,862 | — | |
| 2026-02-25 | SEWELL MICHAEL J | Chief Financial Officer | Stock Gift at price 0.00 per share. | 1,076 | — |
KELLINGTON JOHN S
Officer
Conversion of Exercise of derivative security at price 85.67 per share.
2026-06-08
24,221 sh
$2,075,013
FU LUYANG
Officer
Conversion of Exercise of derivative security at price 85.67 per share.
2026-05-28
774 sh
$66,309
HOGAN THOMAS CHRISTOPHER
Officer
Conversion of Exercise of derivative security at price 70.70 - 71.19 per share.
2026-05-07
1,444 sh
$102,560
BROWN ROGER A.
Officer
Conversion of Exercise of derivative security at price 71.19 per share.
2026-05-05
6,900 sh
$491,211
BROWN ROGER A.
Officer
Stock Gift at price 0.00 per share.
2026-05-05
2,500 sh
—
SEWELL MICHAEL J
Chief Financial Officer
Conversion of Exercise of derivative security at price 70.70 per share.
2026-05-01
36,909 sh
$2,609,466
FU LUYANG
Officer
Conversion of Exercise of derivative security at price 71.19 per share.
2026-04-29
957 sh
$68,129
CRACAS TERESA C
Officer
Conversion of Exercise of derivative security at price 70.70 per share.
2026-04-29
15,386 sh
$1,087,790
KELLINGTON JOHN S
Officer
Conversion of Exercise of derivative security at price 71.19 per share.
2026-04-29
28,156 sh
$2,004,426
SWISHER CHET HOGAN
Officer
Conversion of Exercise of derivative security at price 70.70 per share.
2026-03-02
1,128 sh
$59,812
CRACAS TERESA C
Officer
2026-03-02
10,852 sh
—
SEWELL MICHAEL J
Chief Financial Officer
2026-03-02
17,090 sh
—
DELANEY ANGELA OSSELLO
Officer
2026-03-02
7,661 sh
—
SCHAMBOW MARC JON
Officer
2026-03-02
8,398 sh
—
SOLORIA STEVEN ANTHONY
Chief Investment Officer
2026-03-02
8,299 sh
—
HOGAN THOMAS CHRISTOPHER
Officer
2026-03-02
333 sh
—
CHAPEL DAWN SHANNON
Officer
2026-03-02
250 sh
—
SCHULER SCOTT ALAN
Officer
2026-03-02
250 sh
—
SPRAY STEPHEN M
Chief Executive Officer
2026-03-02
15,691 sh
—
VAN DEN HEUVEL WILL H
Officer
2026-03-02
8,229 sh
—
BROWN ROGER A.
Officer
2026-03-02
5,935 sh
—
GIVLER SEAN MICHAEL
Officer
2026-03-02
8,735 sh
—
KELLINGTON JOHN S
Officer
2026-03-02
11,920 sh
—
JOHNSTON STEVEN J
Chairman of the Board
2026-03-02
30,862 sh
—
SEWELL MICHAEL J
Chief Financial Officer
Stock Gift at price 0.00 per share.
2026-02-25
1,076 sh
—