Is Cincinnati Financial (CINF) overvalued or fairly valued?

MarketChacha shows Cincinnati Financial's valuation in context — a trailing P/E of about 8.1, a forward P/E of about 19.1, a price-to-book of about 1.6 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Cincinnati Financial's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.20×) from reported figures — education, not a rating.

What is Cincinnati Financial's revenue?

Cincinnati Financial reported revenue of $12.6B for FY2025, with net profit of $2.4B, per official filings.

What is the share price of Cincinnati Financial (CINF)?

Cincinnati Financial last traded at $171.10 (-2.1% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Cincinnati Financial

CINF · NASDAQ · Financials · United States

Snapshot

TickerCINF

ExchangeNASDAQ

SectorFinancials

IndustryInsurance - Property & Casualty

CountryUnited States

Employees5,705

HeadquartersFairfield, United States

Websitewww.cinfin.com

Filings tracked20

About Cincinnati Financial

Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance; universal life insurance; and worksite and whole life insurance products, as well as annuities. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. The company was founded in 1950 and is headquartered in Fairfield, Ohio.

Who owns it

Insiders1.7%
Institutions74.1%
Public & other24.1%

1,276 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.8.22%
Vanguard Capital Management LLC6.60%
State Street Corporation5.56%
Vanguard Portfolio Management LLC5.31%
Charles Schwab Investment Management, Inc.3.57%
Geode Capital Management, LLC2.74%
First Trust Advisors LP2.70%
Invesco Ltd.1.74%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.20×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend18.4% → 18.9%

Margin has held broadly steady over the period — stable profitability.

Return on equity15.0%

Latest ROE of 15.0% — capital is generating a healthy return.

Growth qualityrev 12% · PAT 14%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $3.1B · EPS 2.93

Est. earnings growth -13.1%

Next fiscal year

Rev $12.6B · EPS 9.03

Est. earnings growth +7.0%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$12.6B

Net margin

18.9%

ROE

15.0%

Revenue CAGR (2y)

+12.3%

Profit CAGR (2y)

+13.9%

EPS (FY2025)

15.17

Net profit (FY2025)

$2.4B

Ask MarketChacha about CINF

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$12.6B	$2.4B	15.17	18.9%	15.0%
FY2024	$11.3B	$2.3B	14.53	20.2%	16.4%
FY2023	$10.0B	$1.8B	11.66	18.4%	15.2%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$4.3B	$1.3B	8.05	29.4%
2026Q1	$2.9B	$274.0M	1.75	9.6%
2025Q3	$3.7B	$1.1B	7.11	30.1%
2025Q2	$3.2B	$685.0M	4.34	21.1%
2025Q1	$2.6B	$-90.0M	-0.57	-3.5%
2024Q3	$3.3B	$820.0M	5.20	24.7%
2024Q2	$2.5B	$312.0M	1.98	12.3%
2024Q1	$2.9B	$755.0M	4.78	25.7%
2023Q3	$1.8B	$-99.0M	-0.63	-5.5%
2023Q2	$2.6B	$534.0M	3.38	20.5%
2023Q1	$2.2B	$225.0M	1.42	10.0%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/27/2026material
10-Q filing
SEC7/27/2026
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC6/22/2026material
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC6/16/2026material
8-K — Reg FD disclosure, Exhibits
SEC5/19/2026material
8-K — Shareholder vote results, Reg FD disclosure, Exhibits
SEC5/6/2026material
8-K — Results of operations, Exhibits
SEC4/27/2026material
10-Q filing
SEC4/27/2026
10-K filing
SEC2/23/2026
8-K — Results of operations, Exhibits
SEC2/9/2026material
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC1/30/2026material

2025

8-K — Reg FD disclosure, Exhibits
SEC11/14/2025material
8-K — Reg FD disclosure, Exhibits
SEC11/7/2025material
8-K — Results of operations, Exhibits
SEC10/27/2025material
10-Q filing
SEC10/27/2025
8-K — Material agreement, Termination of agreement, Material financial obligation, Exhibits
SEC10/10/2025material
8-K — Reg FD disclosure, Exhibits
SEC8/22/2025material
8-K — Reg FD disclosure, Exhibits
SEC8/11/2025material
8-K — Results of operations, Exhibits
SEC7/28/2025material
10-Q filing
SEC7/28/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.