Cincinnati Financial Corporation

NasdaqGS:CINF 주식 리포트

시가총액: US$26.6b

Cincinnati Financial 대차대조표 건전성

재무 건전성 기준 점검 5/6

Cincinnati Financial 의 총 주주 지분은 $16.7B 이고 총 부채는 $808.0M, 이는 부채 대 자기자본 비율을 4.8% 로 가져옵니다. 총자산과 총부채는 각각 $43.2B 및 $26.6B 입니다. Cincinnati Financial 의 EBIT는 $4.2B 이며 이자보상배율은 79.4 입니다. $1.9B 의 현금 및 단기 투자금을 보유하고 있습니다.

핵심 정보

4.85%

부채/자본 비율

US$808.00m

부채

이자보상배율79.4x
현금US$1.89b
자본US$16.67b
총부채US$26.56b
총자산US$43.23b

최근 재무 건전성 업데이트

업데이트 없음

Recent updates

내러티브 업데이트 • Jul 30

CINF: Fair Outlook Balances Slower Homeowners Momentum And Catastrophe Loss Volatility

Analysts have modestly lifted the fair value estimate for Cincinnati Financial to $190.0, supported by Street research that points to mixed views on growth momentum, catastrophe loss volatility, and relative valuation across the P&C insurance group. Analyst Commentary Street research on Cincinnati Financial shows a mix of optimism and caution.
Seeking Alpha • Jul 29

Cincinnati Financial: The Equity Portfolio Saved Q2, But Commercial Lines Need Attention

Summary Cincinnati Financial Corporation reported strong Q2 net income driven by $1.3B in pre-tax investment gains, primarily from its sizable equity portfolio. Operating EPS declined to $1.43 as catastrophe losses and weaker Commercial Lines underwriting offset rising recurring investment income. Commercial Lines produced a 104.1% Q2 combined ratio and remained unprofitable for H1, with deterioration extending beyond catastrophe losses. Personal Lines remediation is progressing, while lower new-business production suggests management is prioritizing pricing adequacy over policy growth. At approximately 1.7x book value, Cincinnati’s dividend record and investment portfolio support the valuation, but weaker commercial margins justify a Hold. Read the full article on Seeking Alpha
내러티브 업데이트 • Jul 16

CINF: Earnings Resilience And Cat Risk Containment Will Support Fair P/E Outlook

The analyst fair value estimate for Cincinnati Financial has increased by $4 to $185.50, as analysts factor in higher Street price targets clustered around $197 and highlight expectations for relatively contained catastrophe exposure and resilience in selected insurance segments, even as market conditions show signs of softening. Analyst Commentary Recent Street research around Cincinnati Financial centers on shifting views of risk, pricing trends in commercial insurance, and where the stock sits relative to current expectations.
분석 기사 • Jun 17

Cincinnati Financial (CINF) Stock Could Be 5.3% Undervalued After CIO Retirement

Cincinnati Financial (CINF) recently announced the retirement of its Chief Information Officer, drawing attention to how leadership in technology and data may influence the company’s operations and how investors think about the stock. See our latest analysis for Cincinnati Financial. Cincinnati Financial’s recent 1-day share price return of 1.45% and 7-day share price return of 3.22%, alongside a 1-year total shareholder return of 20.61% and 3-year total shareholder return of 87.74%, point to...
내러티브 업데이트 • Jun 15

CINF: Underwriting And Investment Gains Will Guide Fairly Valued Future P/E Range

Analysts have raised their central price target on Cincinnati Financial by $14 to $175, citing recent stock performance, the passage of time in their models, and relatively stronger underwriting trends for insurance carriers compared with brokers as key drivers of the reassessment. Analyst Commentary Recent Street research on Cincinnati Financial points to a mixed but generally constructive read on the stock, with several firms revising price targets around the US$175 level and a few trimming targets at the margin.
내러티브 업데이트 • Jun 01

CINF: Strong Underwriting And Q1 Results Will Shape Future P/E Range

Analysts have nudged the fair value estimate for Cincinnati Financial higher to $181.50. This reflects a series of upward price target revisions that lean on recent stock performance, a roll forward of time, and relatively stronger underwriting results for carriers compared with insurance brokers.
내러티브 업데이트 • May 13

CINF: Steady Buybacks And New Assumptions Will Shape Future P/E Range

Narrative Update: Cincinnati Financial Cincinnati Financial's analyst price target has moved higher by about $6, as analysts factor in updated fair value estimates near $179, a slightly higher discount rate, lower revenue growth and profit margin assumptions, and a higher future P/E multiple. Analyst Commentary Recent Street research on Cincinnati Financial has focused on incremental adjustments to price targets, with a mix of small increases and small cuts over a relatively short period.
내러티브 업데이트 • Apr 25

CINF: Steady Buybacks And Higher Dividend Will Support Future P/E Assumptions

Analysts have lowered their price targets on Cincinnati Financial by $1, reflecting slightly adjusted assumptions around fair value, revenue growth, profit margin, and future P/E, while keeping the broader investment thesis intact. Analyst Commentary Recent Street research on Cincinnati Financial points to only a modest $1 trim in price targets, which suggests analysts are fine-tuning their models rather than rethinking the core story.
내러티브 업데이트 • Apr 10

CINF: Dividend Policy, Buybacks And P/E Expectations Will Shape Future Returns

Analysts have trimmed their price target on Cincinnati Financial by $1 to $173.50, citing updated assumptions around revenue growth, profit margins, and future P/E expectations. Analyst Commentary Analysts trimming the price target to $173.50 reflects a more measured view on how Cincinnati Financial might balance growth, profitability, and valuation from here.
내러티브 업데이트 • Mar 27

CINF: Pricing Pressures, Loss Costs And Dividend Increases Will Shape Returns

Analysts' price targets for Cincinnati Financial have shifted within a relatively tight range, with one firm raising its view to $191 from $180 while another trimmed its target to $180 from $186. This reflects differing read‑throughs on P&C pricing trends and loss cost pressures, even as valuation commentary remains measured.
내러티브 업데이트 • Mar 10

CINF: Pricing Pressures And Dividend Increases Will Shape Future Earnings Resilience

Analysts have nudged Cincinnati Financial's average price target higher to reflect a range of recent revisions, including a move to $191 from $180 and another to $180 from $186, citing mixed but still constructive views on P&C pricing trends and underwriter valuations. Analyst Commentary Recent research shows a split view on Cincinnati Financial, with some bullish analysts lifting their fair value estimates and others trimming them while still maintaining positive ratings.
내러티브 업데이트 • Feb 24

CINF: Pricing Pressures And Dividend Growth Will Shape Future Earnings Quality

Analysts have nudged their average price target on Cincinnati Financial slightly higher to $191 from $186. The small fair value adjustment reflects mixed views on P&C pricing trends, rising loss costs, and continuing supportive opinions on underwriter valuations.
내러티브 업데이트 • Feb 10

CINF: Pricing Headwinds And Dividend Progress Will Shape Earnings Quality

Analysts have nudged our fair value estimate for Cincinnati Financial up from $173.67 to $174.80. This reflects updated views on pricing trends in key P&C lines and current valuation assessments behind the recent Street price target revisions between $180 and $191.
내러티브 업데이트 • Jan 24

CINF: Q3 Execution And Buybacks Will Counter Sector Pricing Pressures In 2025

Narrative update The analyst price target for Cincinnati Financial has been adjusted slightly lower to align with a fair value estimate of about $173.67, as analysts weigh mixed recent Street targets and modest tweaks to assumptions around revenue growth, profit margins, and the future P/E multiple. Analyst Commentary Recent Street research around Cincinnati Financial reflects a mix of optimism on earnings power and valuation, alongside caution around sector level pricing and loss cost trends in property and casualty insurance.
내러티브 업데이트 • Jan 10

CINF: Calm Q3 And Share Buybacks Will Shape Balanced 2025 Outlook

Narrative Update The analyst price target for Cincinnati Financial has shifted modestly higher to US$174.67 from US$172.67 as analysts factor in updated Street research that includes a mix of target increases and trims, along with revised views on pricing conditions and earnings forecasts. Analyst Commentary Recent research around Cincinnati Financial shows a mix of optimism on execution and earnings power, paired with caution on pricing trends across property and casualty insurance lines.
내러티브 업데이트 • Dec 21

CINF: Calm Catastrophe Season And Q3 Beat Will Support Future Stability

Analysts modestly raised their price target on Cincinnati Financial to $186 from $184, citing stronger earnings flowing through updated models and a more favorable near term insurance backdrop following a relatively calm catastrophe season. Analyst Commentary Bullish analysts highlight that the recent Q3 earnings beat supports a higher valuation framework, with rising EPS forecasts giving greater confidence in the durability of Cincinnati Financial's profit trajectory.
내러티브 업데이트 • Dec 06

CINF: Calm Catastrophe Season And Q3 Beat Will Sustain Fair Value

Analysts have nudged their price target for Cincinnati Financial slightly higher to $186 from $184, reflecting improved earnings forecasts as stronger than expected Q3 results flow through models. A relatively calm catastrophe season supports more confident revenue growth assumptions, despite modestly lower profit margin expectations.
내러티브 업데이트 • Nov 22

CINF: Q3 Performance And Calm Weather Are Expected To Sustain Current Fair Value

Analysts have increased their price target for Cincinnati Financial, raising it from $171 to approximately $173 per share. They cite stronger-than-expected Q3 earnings and a stable macro environment as key drivers for the upward revision.
내러티브 업데이트 • Nov 05

CINF: Fair Value Supported By Q3 Results Despite Weather And Macro Risks Ahead

Cincinnati Financial's fair value price target has increased by $3.17 to $171.00. Analysts cite stronger-than-expected Q3 results and a stable macro environment in their updated projections.
내러티브 업데이트 • Oct 22

Analysts Lift Cincinnati Financial Price Target on Resilient Earnings and Lower Catastrophe Risks

Analysts have raised their price target for Cincinnati Financial by $3 to $167.83, supported by improved revenue growth forecasts and expectations for lower catastrophe losses. Analyst Commentary Recent adjustments to Cincinnati Financial's price targets reflect a generally optimistic outlook from equity analysts, bolstered by both favorable recent business developments and updated industry assumptions.
내러티브 업데이트 • Oct 08

Overvaluation Will Exacerbate Catastrophe Risks And Insurtech Pressures

Analysts have modestly raised their price target for Cincinnati Financial to $178 from $167, citing updated forecasts that factor in lower catastrophe loss ratios and greater reserve releases, even though premium growth has slowed. Analyst Commentary Recent updates from Street research highlight varying analyst perspectives on Cincinnati Financial's outlook, with both bullish and cautious views informing the revised price target.
분석 기사 • Sep 16

Cincinnati Financial Corporation's (NASDAQ:CINF) Share Price Is Matching Sentiment Around Its Earnings

Cincinnati Financial Corporation's ( NASDAQ:CINF ) price-to-earnings (or "P/E") ratio of 13.3x might make it look like...
Seeking Alpha • Jan 23

Cincinnati Financial: This Dividend King Is Still Buyable Now

Summary Cincinnati Financial has established itself as one of the most reliable dividend growth stocks in the investment universe. The property and casualty insurer continues to have a future full of growth ahead of itself. CINF enjoys investment-grade credit ratings from the major rating agencies. Shares could be priced 13% below fair value. If it matches growth expectations and returns to fair value, CINF could post nearly 30% cumulative total returns by the end of 2026. Read the full article on Seeking Alpha
Seeking Alpha • Dec 26

Revisiting Cincinnati Financial: A Unique Investment Strategy For A Fairly-Valued Steady Dividend Aristocrat

Summary Cincinnati Financial's stock has surged 30.4% since April 2024, driven by strong Q3 results and a unique equity portfolio strategy. The company reported Q3 diluted EPS of $5.2, with a combined ratio of 97.4%, despite higher catastrophe losses and inflationary pressures. Investment income grew 15% in Q3 2024, with a year-to-date increase of 13%, driven by a robust equity portfolio and stable fixed-income yields. Cincinnati Financial is fairly valued at $145 per share, with a book value per share of $88.32, suggesting a solid hold for current shareholders. Read the full article on Seeking Alpha
Seeking Alpha • Nov 02

Cincinnati Financial: Improved Results Are Reflected In Valuation (Rating Downgrade)

Summary CINF delivered solid Q3 results, even as catastrophe losses increased. Underwriting results are now in keeping with long-term expectations, though faster personal lines growth is a headwind. Its investment portfolio has benefitted from higher rates and the rise in the equity market, boosting fair value. After its rally, shares are now in-line with fair value, leading me to reduce my rating to a hold. Read the full article on Seeking Alpha

재무 상태 분석

단기부채: CINF 의 단기 자산 ( $6.6B )이 단기 부채( $5.7B ).

장기 부채: CINF의 단기 자산($6.6B)이 장기 부채($20.8B)를 충당하지 못합니다.

부채/자본 비율 추이 및 분석

부채 수준: CINF 총 부채보다 더 많은 현금을 보유하고 있습니다.

부채 감소: CINF의 부채 대비 자본 비율은 지난 5년 동안 7.2%에서 4.8%로 감소했습니다.

부채 범위: CINF 의 부채는 영업 현금 흐름 ( 422.9% )에 의해 잘 충당되었습니다.

이자 보장: CINF 의 부채에 대한 이자 지급은 EBIT(79.4x 적용 범위)로 잘 충당됩니다.

대차대조표

건전한 기업 찾아보기

7D

1Y

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기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/08/12 09:50
종가2026/08/12 00:00
수익2026/06/30
연간 수익2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
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분석가 컨센서스 추정치+3년
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시장 가격30년
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지분 구조10년
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경영진10년
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주요 개발10년
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분석가 소스

Cincinnati Financial Corporation는 17명의 분석가가 다루고 있습니다. 이 중 6명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가기관
Michael ZaremskiBMO Capital Markets Equity Research
Joshua ShankerBofA Global Research
Robert FarnamBrean Capital Historical (Janney Montgomery)