Cincinnati Financial (CINF) stock
Financials · Property & Casualty Insurance
Cincinnati Financial (CINF) is a Property & Casualty Insurance company in the Financials sector, headquartered in Fairfield, Ohio. As of October 23, 2026, CINF closed at $176.30, a market capitalization of $27.06 billion, the 340th largest company in the S&P 500. The stock trades at 8.3x trailing earnings and 19.5x forward earnings.
- 1-year total return: +15.8% (dividends reinvested)
- 5-year return: +10.3% a year
- 52-week range: $150.00 – $194.81
- Dividend yield: 2.13%, 39 straight years of increases
- FI Handbook report card: B- across 3 metrics
- 57th largest of 76 Financials stocks in the S&P 500
CINF price chart
1Y price change: +13.2% (price only; total returns below include dividends)
| Total return | 1M | YTD | 1Y | 3Y | 5Y | 10Y | MAX |
|---|---|---|---|---|---|---|---|
| CINF | +8.4% | +9.8% | +15.8% | +24.5% | +10.3% | +12.4% | +13.9% |
Dividends reinvested. 3Y and longer are annualized; MAX is annualized since 1980.
CINF key statistics
- Market cap
- $27.1B
- #340 in S&P 500
- P/E (TTM)
- 8.3x
- Forward P/E
- 19.5x
- EPS (TTM)
- —
- Revenue (TTM)
- —
- Free cash flow
- $3.4B
- Gross margin
- —
- Operating margin
- —
- Return on equity
- —
- Dividend yield
- 2.13%
- 52-week range
- $150.00 – $194.81
- Beta
- —
- Price / sales
- —
- EV / EBITDA
- —
- Debt / equity
- —
- Employees
- —
CINF report card
B-Ten fundamentals graded A to F against fixed thresholds. Not a buy or sell rating.
- Revenue growth——
- Gross margin——
- Operating margin——
- FCF margin——
- Return on equity——
- Net debt / EBITDA——
- Forward P/E19.5xB
- PEG ratio——
- Shareholder yield2.9%C
- Share count change / yr-0.6%B
Cincinnati Financial Corporatio financials
Revenue went from $5.4B in fiscal 2016 to $12.6B in fiscal 2025, growing 9.8% a year.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.4B | $5.7B | $5.4B | $7.9B | $7.5B | $9.6B | $6.6B | $10.0B | $11.3B | $12.6B |
| Net income | $591.0M | $1.0B | $287.0M | $2.0B | $1.2B | $3.0B | -$487.0M | $1.8B | $2.3B | $2.4B |
| EPS (diluted) | $3.55 | $6.29 | $1.75 | $12.10 | $7.49 | $18.24 | $-3.06 | $11.66 | $14.53 | $15.17 |
| Free cash flow | $1.1B | $1.0B | $1.2B | $1.2B | $1.5B | $2.0B | $2.0B | $2.0B | $2.6B | $3.1B |
| Buybacks | $39.0M | $92.0M | $125.0M | $67.0M | $261.0M | $144.0M | $410.0M | $67.0M | $126.0M | $205.0M |
| Dividends paid | $306.0M | $400.0M | $336.0M | $355.0M | $375.0M | $395.0M | $423.0M | $454.0M | $490.0M | $525.0M |
| Diluted shares | 166.5M | 166.0M | 164.5M | 165.1M | 162.4M | 162.7M | 158.8M | 158.1M | 157.8M | 157.7M |
Source: SEC filings (10-K XBRL). EPS and share counts are split-adjusted.
What's priced into CINF?
A reverse DCF asks what growth the current price requires. With an enterprise value of $27.1B and $3.4B of trailing free cash flow, Cincinnati Financial Corporatio needs to grow free cash flow about -11.8% a year for ten years (fading to 3.0% terminal growth) to earn a 10% annual return. For context, free cash flow grew 16.0% a year over the last five years.
P/E ratio history
Current 11.6x vs. median 13.8x (10th–90th percentile 7.0x–37.5x).
A model, not a forecast or advice. Small changes in assumptions move the answer a lot.
CINF dividend
- Dividend yield
- 2.13%
- Annual dividend
- $3.76
- Years of increases
- 39
- 5-yr dividend growth
- 7.7%
- per year
- Payments per year
- 4
Regular dividends per share by calendar year; special dividends excluded. Current year omitted until complete.
CINF analyst price targets
8 analysts' average 12-month target is $188.83 (+7% vs. $176.30). Targets range from $171.00 to $200.00. 25% rate it a buy.
CINF earnings
Next report: October 26, 2026.
| Report date | EPS estimate | EPS actual | Surprise |
|---|---|---|---|
| Jul 27, 2026 | $1.82 | $1.43 | -21.3% |
| Apr 27, 2026 | $1.94 | $2.10 | +8.2% |
| Feb 9, 2026 | $2.89 | $3.37 | +16.6% |
| Oct 27, 2025 | $2.06 | $2.85 | +38.4% |
| Jul 28, 2025 | $1.39 | $1.97 | +42.0% |
| Apr 28, 2025 | $-0.61 | $-0.24 | +60.7% |
| Feb 10, 2025 | $1.87 | $3.14 | +68.3% |
| Oct 24, 2024 | $1.43 | $5.20 | +262.6% |
Stocks like CINF
| Name | Today | 1Y | Mkt cap | P/E | |
|---|---|---|---|---|---|
 CB Chubb | -2.43% | +27% | $137.0B | 12.4x | Compare |
 PGR Progressive | -0.68% | +10% | $132.2B | 11.5x | Compare |
 TRV Travelers Companies | -1.77% | +50% | $81.6B | 10.5x | Compare |
 ALL Allstate | -2.28% | +33% | $64.0B | 5.1x | Compare |
 HIG Hartford Insurance Group, I | -1.93% | +11% | $37.0B | 9.7x | Compare |
 ACGL Arch Capital | -0.97% | +16% | $34.7B | 8.0x | Compare |
 WRB W.R. Berkley | -2.94% | +0% | $27.2B | 15.5x | Compare |
 BRK-B Berkshire Hathaway | -0.87% | +11% | $1.2T | 13.6x | Compare |
CINF news
- Cincinnati Financial (CINF) Dividend Outlook Draws Focus, Is The Stock Still Undervalued? · Oct 25, 2026
- Dividend Appeal Could Reshape The Case For Cincinnati Financial Stock (CINF) · Oct 25, 2026
- Cincinnati Financial (CINF) Stock Could Be 27% Overvalued On Modest Excess Returns · Oct 24, 2026
- Is a Beat in Store for Cincinnati Financial This Earnings Season? · Oct 23, 2026
- Cincinnati Financial (CINF) Could Be a Great Choice · Oct 23, 2026
CINF stock FAQ
What is CINF's market cap?
Cincinnati Financial's market capitalization is $27.06 billion as of October 23, 2026, ranking 340th in the S&P 500.
What is CINF's P/E ratio?
CINF trades at a trailing price-to-earnings ratio of 8.3x and a forward P/E of 19.5x. Its median P/E over the period we track is 13.8x.
Does CINF pay a dividend?
Yes. Cincinnati Financial pays $3.76 per share a year, a 2.13% yield. It has raised its dividend 39 years in a row. Dividends grew 7.7% a year over the last five years.
How much has CINF stock returned?
Including reinvested dividends, CINF returned +15.8% over one year, +10.3% a year over five years, +12.4% a year over ten years through October 23, 2026.
Is CINF stock overvalued?
At today's price, a reverse discounted cash flow model (10% discount rate, 3% terminal growth) implies Cincinnati Financial must grow free cash flow about -12% a year for the next decade. Its free cash flow grew 16% a year over the last five years. Whether that is achievable decides if the stock is cheap or expensive. This is a model, not advice.
What is the CINF price target?
8 analysts cover CINF with an average 12-month price target of $188.83, +7% from the current price. 25% of them rate it a buy.
When does CINF report earnings?
Cincinnati Financial is expected to report earnings on October 26, 2026.
Sources: SEC EDGAR filings, Yahoo Finance market data (delayed), FI Handbook calculations. Last close October 23, 2026. Methodology