Cincinnati Financial Corporation, together with its subsidiary, provides property casualty insurance products in the United States. More Details
Outstanding track record with excellent balance sheet and pays a dividend.
Share Price & News
How has Cincinnati Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CINF is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: CINF's weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: CINF exceeded the US Insurance industry which returned 30.9% over the past year.
Return vs Market: CINF exceeded the US Market which returned 35.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Cincinnati Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StIs Cincinnati Financial Corporation (NASDAQ:CINF) Popular Amongst Institutions?
4 weeks ago | Simply Wall StUpdate: Cincinnati Financial (NASDAQ:CINF) Stock Gained 82% In The Last Year
1 month ago | Simply Wall StCincinnati Financial (NASDAQ:CINF) Could Be A Buy For Its Upcoming Dividend
Is Cincinnati Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CINF ($117.88) is trading below our estimate of fair value ($174.08)
Significantly Below Fair Value: CINF is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CINF is good value based on its PE Ratio (6.6x) compared to the US Insurance industry average (10.7x).
PE vs Market: CINF is good value based on its PE Ratio (6.6x) compared to the US market (18x).
Price to Earnings Growth Ratio
PEG Ratio: CINF's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: CINF is overvalued based on its PB Ratio (1.6x) compared to the US Insurance industry average (1.1x).
How is Cincinnati Financial forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CINF's earnings are forecast to decline over the next 3 years (-51.6% per year).
Earnings vs Market: CINF's earnings are forecast to decline over the next 3 years (-51.6% per year).
High Growth Earnings: CINF's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CINF's revenue is expected to decline over the next 3 years (-6.8% per year).
High Growth Revenue: CINF's revenue is forecast to decline over the next 3 years (-6.8% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CINF's Return on Equity is forecast to be high in 3 years time
How has Cincinnati Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CINF has high quality earnings.
Growing Profit Margin: CINF's current net profit margins (30.2%) are higher than last year (8.6%).
Past Earnings Growth Analysis
Earnings Trend: CINF's earnings have grown significantly by 26.2% per year over the past 5 years.
Accelerating Growth: CINF's earnings growth over the past year (412.7%) exceeds its 5-year average (26.2% per year).
Earnings vs Industry: CINF earnings growth over the past year (412.7%) exceeded the Insurance industry 67%.
Return on Equity
High ROE: CINF's Return on Equity (24.1%) is considered high.
How is Cincinnati Financial's financial position?
Financial Position Analysis
Short Term Liabilities: CINF's short term assets ($4.2B) exceed its short term liabilities ($3.5B).
Long Term Liabilities: CINF's short term assets ($4.2B) do not cover its long term liabilities ($14.3B).
Debt to Equity History and Analysis
Debt Level: CINF's debt to equity ratio (7%) is considered satisfactory.
Reducing Debt: CINF's debt to equity ratio has reduced from 11.7% to 7% over the past 5 years.
Debt Coverage: CINF's debt is well covered by operating cash flow (215.9%).
Interest Coverage: CINF's interest payments on its debt are well covered by EBIT (68.4x coverage).
What is Cincinnati Financial current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CINF's dividend (2.14%) is higher than the bottom 25% of dividend payers in the US market (1.31%).
High Dividend: CINF's dividend (2.14%) is low compared to the top 25% of dividend payers in the US market (3.54%).
Stability and Growth of Payments
Stable Dividend: CINF's dividends per share have been stable in the past 10 years.
Growing Dividend: CINF's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (13.9%), CINF's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: CINF's dividends in 3 years are forecast to be covered by earnings (52.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Steve Johnston (61 yo)
Mr. Steven Justus Johnston, also known as Steve, FCAS, MAAA, CFA, CERA, is Chief Executive Officer and Chairman at CFC Investment Company and has been its President since August 2020. Mr. Johnston has been...
CEO Compensation Analysis
Compensation vs Market: Steve's total compensation ($USD3.84M) is below average for companies of similar size in the US market ($USD11.17M).
Compensation vs Earnings: Steve's compensation has been consistent with company performance over the past year.
Experienced Management: CINF's management team is seasoned and experienced (10.2 years average tenure).
Experienced Board: CINF's board of directors are seasoned and experienced ( 11.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Cincinnati Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: Cincinnati Financial Corporation
- Ticker: CINF
- Exchange: NasdaqGS
- Founded: 1950
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Market Cap: US$19.000b
- Shares outstanding: 161.18m
- Website: https://www.cinfin.com
Number of Employees
- Cincinnati Financial Corporation
- 6200 South Gilmore Road
- United States
Cincinnati Financial Corporation, together with its subsidiary, provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, P...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/07/31 22:14|
|End of Day Share Price||2021/07/30 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.