Cincinnati Financial Corporation (CINF)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $bn | 8 | 10 | 7 | 10 | 11 | 13 | 14 | 11 |
| Operating profit | $bn | 3 | 4 | ||||||
| Net profit | $bn | 1 | 3 | -0 | 2 | 2 | 2 | 3 | 1 |
| EPS reported | $ | 15.17 | 21.21 | ||||||
| Operating cashflow per share | $ | 19.73 | 22.16 | ||||||
| Capex per share | $ | 0.13 | 0.02 | ||||||
| FCF per share | $ | 19.60 | 22.14 | ||||||
| Free cash flow | $bn | 3 | 3 | ||||||
| Net debt | $bn | -19 | -33 | ||||||
| Book value equity | $bn | 16 | 17 | ||||||
| Book value per share | $ | 100.9 | 106.9 | ||||||
| Number of shares | m | 157.75 | 155.9 | ||||||
| DPS (TTM paid) | $ | 3.48 | 3.69 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.77 | 7.66 | ||||||
| P/B LTM | x | 1.62 | 1.55 | ||||||
| P/S LTM | x | 2.04 | 1.85 | ||||||
| P/FCF LTM | x | 8.33 | 7.55 | ||||||
| EV/EBITDA LTM | x | 7.88 | 5.78 | ||||||
| EV/Sales LTM | x | 2.00 | 1.82 | ||||||
| Earnings Yield LTM | % | +9.29% | +13.05% | ||||||
| FCF Yield | % | +12.00% | +13.25% | ||||||
| Quality | |||||||||
| ROE | % | +15.04% | +20.89% | ||||||
| ROIC | % | +10.68% | +15.11% | ||||||
| Operating margin | % | +23.59% | +29.78% | ||||||
| Gross margin | % | +47.43% | +52.29% | ||||||
| FCF/Sales | % | +24.48% | +24.47% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +4.40% | +45.97% | ||||||
| Sales Growth YoY | % | +11.41% | +23.08% | ||||||
| Net Income Growth YoY | % | +4.41% | +45.16% | ||||||
| FCF Growth | % | +17.70% | +29.96% | ||||||
| Operating Profit Growth | % | +4.27% | +45.38% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.04% | +2.12% | ||||||
| Dividend Growth | % | +7.41% | +13.89% | ||||||
| Payout Ratio | % | +21.94% | +16.31% | ||||||
| FCF/Debt | x | 3.49 | 3.90 | ||||||
| Net Debt/EBITDA | x | -0.17 | -0.20 | ||||||
| EBIT/Net interest | x | 56.23 | 78.40 | ||||||
| Net debt/market cap | % | +3.16% | +3.34% | ||||||
| Net debt/Equity | x | -1.19 | -1.99 | ||||||
| Gross debt/equity | x | 0.06 | 0.05 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Cincinnati Financial Corporation, operating through its various subsidiaries, delivers a range of property and casualty insurance offerings across the United States. Its operations are organized into five distinct divisions: Commercial Lines, Personal Lines, Excess and Surplus Lines, Life Insurance, and Investments. The Commercial Lines division safeguards businesses against risks such as commercial casualty, property damage, vehicle incidents, and workers' compensation claims; it also offers specialized protection including director and officer liability, various surety and fidelity bonds, and coverage for machinery and equipment. For individual clients, the Personal Lines segment provides essential coverages like personal auto and homeowner policies, alongside dwelling fire, inland marine, personal umbrella liability, and watercraft protection. The Excess and Surplus Lines segment specializes in commercial casualty insurance, protecting companies from third-party liabilities stemming from on-site incidents, operational activities, or product-related injuries; this segment also delivers commercial property insurance, securing assets like buildings, inventory, and equipment, as well as business income, against a broad spectrum of perils including fire, wind, hail, water damage, theft, and vandalism. Through its Life Insurance division, the company offers a comprehensive suite of life policies, encompassing term life, universal life, worksite-based term life, and whole life insurance options. The Investments segment manages a portfolio including fixed-maturity assets like taxable and tax-exempt bonds, along with redeemable preferred stocks, and equity holdings such as common and non-redeemable preferred stocks. Beyond insurance, Cincinnati Financial Corporation extends its services to include commercial leasing and financing, as well as insurance brokerage. Established in 1950, Cincinnati Financial Corporation's corporate headquarters are situated in Fairfield, Ohio.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Cincinnati Financial Corporation (CINF)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Cincinnati Financial Corporation, operating through its various subsidiaries, delivers a range of property and casualty insurance offerings across the United States. Its operations are organized into five distinct divisions: Commercial Lines, Personal Lines, Excess and Surplus Lines, Life Insurance, and Investments. The Commercial Lines division safeguards businesses against risks such as commercial casualty, property damage, vehicle incidents, and workers' compensation claims; it also offers specialized protection including director and officer liability, various surety and fidelity bonds, and coverage for machinery and equipment. For individual clients, the Personal Lines segment provides essential coverages like personal auto and homeowner policies, alongside dwelling fire, inland marine, personal umbrella liability, and watercraft protection. The Excess and Surplus Lines segment specializes in commercial casualty insurance, protecting companies from third-party liabilities stemming from on-site incidents, operational activities, or product-related injuries; this segment also delivers commercial property insurance, securing assets like buildings, inventory, and equipment, as well as business income, against a broad spectrum of perils including fire, wind, hail, water damage, theft, and vandalism. Through its Life Insurance division, the company offers a comprehensive suite of life policies, encompassing term life, universal life, worksite-based term life, and whole life insurance options. The Investments segment manages a portfolio including fixed-maturity assets like taxable and tax-exempt bonds, along with redeemable preferred stocks, and equity holdings such as common and non-redeemable preferred stocks. Beyond insurance, Cincinnati Financial Corporation extends its services to include commercial leasing and financing, as well as insurance brokerage. Established in 1950, Cincinnati Financial Corporation's corporate headquarters are situated in Fairfield, Ohio.
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