# Cincinnati Financial Corporation (CINF) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Insurance. Price $184.34, market value $28.3 billion.

## Valuation
- **P/E (trailing): 10.8×** (5-yr avg 8.5×, 3-yr avg 9.5×). Cincinnati Financial Corporation trades at 10.8× trailing earnings, well above its own five-year average of 8.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 20.0×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 4.55**. A PEG of 4.55 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 2.1×**. Each dollar of revenue is priced at 2.1×.
- **Price / book: 1.7×**. The shares trade at 1.7× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.9%** (5-yr avg 12.6%). Free cash flow equals 10.9% of the market value, in line with its five-year average of 12.6%. Above 5% is generally attractive.
- **Earnings yield: 9.2%**. The inverse of the P/E: 9.2% of the price is earned each year.

## Profitability
- **Net margin: 18.9%**. 18.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 15.0%**. 15.0% on shareholders' equity is solid.
- **Return on assets: 6.5%**. Each dollar of assets produces 6.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 11.4%** (3-yr 24.4%/yr, 5-yr 10.9%/yr). Revenue grew 11.4% over the last year, against 10.9% a year compounded over five years.
- **EPS growth (1 yr): 4.4%** (5-yr 15.2%/yr). Earnings per share rose 4.4%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 14.9%/yr**. Free cash flow has compounded at 14.9% a year over three years.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $1.4 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.04%** ($3.69 per share, trailing). Cincinnati Financial Corporation yields 2.04%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 22%** (18% of free cash flow). 22% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 7**. 7 straight years of increases.
- **Dividend growth (5 yr): 7.7%/yr** (1-yr 7.4%). The dividend has grown 7.7% a year over five years.

## Analyst view
- **Analyst consensus: buy** (6 analysts). 6 analysts cover Cincinnati Financial Corporation; the consensus is buy, with an average price target of $186.67 (+1% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 20.9%** (YTD 13.8%, 3-mo 3.2%). The shares are up 20.9% over twelve months including dividends.
- **From 52-week high: -5.4%** (20.2% above the low). Trading 5% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 72**. An RSI of 72 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): -0.03** (volatility 21%). Beta of -0.03 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CINF · Page: https://foliofundamentals.com/stocks/cinf

Not investment advice.