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Cincinnati Financial

NSQ:CINF · US1720621010
InsuranceLarge

360

70
Profit price71
Owner Earnings Yield49
Dividend Yield71
Price/Sales24
EV / Gross Profit32
Price/Book44
Returns on capital64
Profit margins95
Cash Conversion48
Accruals34
Owner Earnings Margin95
Sales growth16
Profit Growth79
Long-Term EPS Growth74
Owner Earnings Growth85
Reinvestment50
Price momentum79
Debt load81
Debt serviceability56
Liquidity89
Analyst ratings62
Opinion Changes50
Price Target Upside37
Market mood49
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Cincinnati Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryInsurance
SizeLarge
TypePublic Company
ExchangeNASDAQGS
Founded1968
Employees3,980
Websitecinfin.com
ISINUS1720621010
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)S&P 500 (USA)D.J. US Insurance
Themes
Auto InsuranceFinanceFinancial ExchangesFinancial ServicesInsurance

Description

Cincinnati Financial Corporation, together with its subsidiaries, engages in property casualty insurance business through independent insurance agencies in 46 states. The company owns 100% of four subsidiaries: The Cincinnati Insurance Company (Cinc…

Analysis

Middle-of-the-road

Cincinnati Financial Corporation is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 9.0× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -5% yearly growth; analysts expect 5%. The price, in other words, assumes less than the experts do.

The trajectory is moderate and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
64
2023202420252026

All-time high

64

Jun 2026

All-time low

1

Feb 2025

Average rank

18

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
24
31
26
17
Price/Earnings
8
17
27
17
Price/Book
44
61
52
30
Dividend Yield
71
72
65
68
Value (overall)
22
39
32
36

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →