Cincinnati Financial Corporation (CINF) Stock

Cincinnati Financial Corporation (CINF) is a Financials stock trading at $180.78 (as of 2026-07-17), with a market capitalization of $27.97B and a trailing P/E of 10.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Cincinnati Financial Corporation, through its subsidiaries, provides property and casualty insurance in the United States across Commercial Lines, Personal Lines, Excess and Surplus Lines, and also has Life Insurance and an Investments segment. Its insurance offerings include coverages for commercial and personal risks, with additional products such as bonds and liability-related insurance for businesses and individuals.

Understand Cincinnati Financial Corporation: how it makes money

Cincinnati Financial sells property casualty insurance in the United States, and also has life insurance and investments, making money primarily through insurance products across its lines and through its Investments segment.

Profit depends on underwriting across its Commercial Lines, Personal Lines, and Excess and Surplus Lines insurance segments, with additional contribution tied to results from its Investments segment.

Business quality (Weak): Clear segment structure is provided, but there are no segment revenue figures or operating KPIs available in the supplied facts, limiting how precisely segment drivers can be quantified.

Valuation: At 10× earnings, CINF trades 21% below the Insurance average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Diversified insurance coverage across multiple property casualty lines: The company operates through Commercial Lines Insurance, Personal Lines Insurance, and Excess and Surplus Lines Insurance, with commercial casualty, commercial property, commercial auto, workers' compensation, and additional products like director and officer liability and surety bonds.
  • Multiple levers beyond property casualty premiums: Alongside property casualty, it has a Life Insurance segment and an Investments segment.

Bear case

  • Performance can be pressured if insurance results deteriorate across its underwriting-heavy lines: Because property casualty coverage is provided through three insurance segments, adverse outcomes in those segments can directly affect profitability.
  • Investment results matter because investments are a reported segment: The presence of an Investments segment means earnings can be influenced by investment performance, not only insurance operations.
Valuation — source: SEC EDGAR (first-party)
Price$180.78
Market Cap$27.97B
P/E Ratio10.1
EV / EBITDA8.0
Price / Book1.78
Price / Sales2.16
FCF Yield12.3%
DCF Value (model)$336.01
DCF Upside vs Price85.9%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$12.63B
Net Margin18.9%
Revenue Growth (YoY)11.6%
EPS Growth (YoY)-410.5%
FCF Growth (YoY)113.0%
Valuation vs Sector & Industry
Stock P/E10.1
Sector P/E (Financials)15.5
Industry P/E (Insurance)13.0
vs Sector-34.6%
vs Industry-22.0%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($3.22B)
Institutional Holders Tracked10
Congressional Trades (recent)5
Company
SectorFinancials
IndustryInsurance
CEOStephen Michael Spray
Employees5,624
CountryUS
IPO Date1980-03-17

Related Companies (Business model: Property & Casualty Insurer; 8 closest by market cap; US-domiciled)

  • The Allstate Corporation (ALL)
  • American International Group, Inc. (AIG)
  • The Hartford Financial Services Group, Inc. (HIG)
  • W. R. Berkley Corporation (WRB)
  • Markel Corporation (MKL)
  • Loews Corporation (L)
  • CNA Financial Corporation (CNA)
  • American Financial Group, Inc. (AFG)
CINF earnings history · CINF institutional & insider holders · CINF KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-17.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.