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CINF 
Cincinnati Financial Corporation (CINF)
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Upturn Advisory Summary
02/26/2026: CINF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $173.67
1 Year Target Price $173.67
| 1 | Strong Buy |
| 3 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 25.55B USD | Price to earnings Ratio 10.8 | 1Y Target Price 173.67 |
Price to earnings Ratio 10.8 | 1Y Target Price 173.67 | ||
Volume (30-day avg) 8 | Beta 0.65 | 52 Weeks Range 120.97 - 174.27 | Updated Date 02/26/2026 |
52 Weeks Range 120.97 - 174.27 | Updated Date 02/26/2026 | ||
Dividends yield (FY) 2.17% | Basic EPS (TTM) 15.16 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2026-02-09 | When - | Estimate 2.83 | Actual 3.37 |
Profitability
Profit Margin 18.95% | Operating Margin (TTM) 27.6% |
Management Effectiveness
Return on Assets (TTM) 4.89% | Return on Equity (TTM) 16.04% |
Valuation
Trailing PE 10.8 | Forward PE 18.87 | Enterprise Value 24988979495 | Price to Sales(TTM) 2.02 |
Enterprise Value 24988979495 | Price to Sales(TTM) 2.02 | ||
Enterprise Value to Revenue 2.14 | Enterprise Value to EBITDA - | Shares Outstanding 155418513 | Shares Floating 152827353 |
Shares Outstanding 155418513 | Shares Floating 152827353 | ||
Percent Insiders 1.67 | Percent Institutions 71.11 |
Upturn AI SWOT
Cincinnati Financial Corporation
Company Overview
History and Background
Cincinnati Financial Corporation (CINC) was founded in 1950 by Harry M. Busey and Arthur B. "Buster" Meyer. It began as a single-line fire insurer and has since evolved into a multi-line property and casualty insurer with a strong focus on commercial business. Key milestones include its initial public offering in 1971, the establishment of its life insurance subsidiary, The Cincinnati Life Insurance Company, in 1986, and its expansion into the excess and surplus lines market through The Cincinnati Specialty Underwriters Insurance Company. The company is known for its long-term perspective and conservative underwriting practices.
Core Business Areas
- Property Casualty Insurance: This is the largest segment, providing a broad range of commercial insurance products, including property, casualty, umbrella liability, auto, workers' compensation, and professional liability. The company targets businesses of all sizes, with a particular strength in the middle market. Products are distributed through a network of independent insurance agents.
- Life Insurance: Through The Cincinnati Life Insurance Company, it offers a suite of life insurance products, including term life, universal life, and annuities. This segment provides a diversified revenue stream and complements the property casualty offerings.
- Financial Investments: Cincinnati Financial Corporation holds a significant investment portfolio, which contributes substantially to its overall profitability through interest income, dividends, and capital gains. This portfolio is managed conservatively and is a key driver of its financial strength.
Leadership and Structure
The company is led by an experienced management team. The Board of Directors oversees the strategic direction. Its structure is primarily organized around its core insurance operations, with dedicated teams for underwriting, claims, investments, and customer service. Key leadership positions include Chairman and CEO, President, and Chief Financial Officer.
Top Products and Market Share
Key Offerings
- Commercial Property and Casualty Insurance: This encompasses a wide array of policies covering risks for businesses. The company is a significant player in the commercial insurance market, facing competition from large national insurers like The Hartford (HIG), Travelers Companies (TRV), and Chubb (CB).
- Personal Lines Insurance: While less dominant than its commercial offerings, CINC also provides personal auto and homeowners insurance through independent agents, often catering to the same customer base as its commercial policies. Competitors here include State Farm, GEICO, and Progressive.
- Life Insurance and Annuities: These products offer financial security and wealth accumulation solutions to individuals. Key competitors in this space include large life insurers like Prudential Financial (PRU) and MetLife (MET).
Market Dynamics
Industry Overview
The property and casualty insurance industry is mature and highly competitive, influenced by economic cycles, interest rates, and the frequency and severity of catastrophic events. It is also undergoing digital transformation, with increasing adoption of technology for underwriting, claims processing, and customer engagement. The life insurance sector is similarly competitive, driven by demographic trends and evolving consumer needs for financial planning.
Positioning
Cincinnati Financial Corporation is positioned as a financially strong and conservative insurer focused on underwriting profit and long-term growth. Its competitive advantages include its disciplined underwriting, strong agent relationships, conservative investment strategy, and a reputation for financial stability and claims service. It often targets the profitable middle market for commercial insurance.
Total Addressable Market (TAM)
The TAM for property and casualty insurance in the US is in the hundreds of billions of dollars annually. For life insurance, it is also in the hundreds of billions. Cincinnati Financial Corporation, while a significant player, holds a relatively small percentage of the overall TAM, indicating substantial room for growth through market penetration and expansion. Its positioning is strong within its chosen niches.
Upturn SWOT Analysis
Strengths
- Strong financial strength and stability
- Disciplined underwriting and risk selection
- Long-standing relationships with independent agents
- Conservative and profitable investment portfolio
- Reputation for excellent claims service
- Experienced management team with a long-term focus
Weaknesses
- Slower to adopt new technologies compared to some competitors
- Reliance on independent agents can sometimes limit direct customer reach
- May not have the same scale as some larger global insurers
- Growth can be more organic and less aggressive than some competitors
Opportunities
- Expansion into new geographic markets or product lines
- Leveraging technology to improve operational efficiency and customer experience
- Acquisition of complementary businesses
- Growth in specialty insurance lines
- Capitalizing on market dislocations to gain share
Threats
- Increasing frequency and severity of catastrophic weather events (e.g., hurricanes, wildfires)
- Intensifying competition from traditional insurers and InsurTech startups
- Changes in interest rate environment impacting investment income
- Regulatory changes affecting the insurance industry
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- Travelers Companies (TRV)
- Chubb Limited (CB)
- The Hartford Financial Services Group Inc. (HIG)
- Progressive Corporation (PGR)
- Allstate Corporation (ALL)
Competitive Landscape
Cincinnati Financial Corporation competes in a highly fragmented market. Its advantages lie in its financial strength, underwriting discipline, and strong agent relationships, which allow it to thrive in the middle market. However, larger competitors may have greater scale, broader product offerings, and more extensive technological capabilities.
Growth Trajectory and Initiatives
Historical Growth: The company has demonstrated consistent historical growth, driven by its ability to profitably underwrite insurance and manage its investment portfolio effectively. Its growth has been characterized by steady, organic expansion rather than aggressive acquisitions.
Future Projections: Analysts generally project continued steady growth for Cincinnati Financial Corporation, driven by its strong market position in commercial insurance, disciplined underwriting, and ongoing investment income. Projections often show revenue growth in the mid-single digits and steady EPS growth.
Recent Initiatives: Recent initiatives may include investments in technology to enhance underwriting and claims processing efficiency, exploring opportunities in specialty insurance markets, and optimizing its distribution network.
Summary
Cincinnati Financial Corporation is a financially robust insurer with a long history of consistent underwriting profitability and dividend growth. Its strengths lie in its disciplined approach, strong agent relationships, and conservative investment strategy, which have fostered stability and shareholder returns. While it faces competition and the inherent risks of the insurance industry, its sound management and focus on long-term value creation position it well for continued success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations website (Cincinnati Financial Corporation)
- Securities and Exchange Commission (SEC) filings (10-K, 10-Q)
- Financial news and data providers (e.g., Yahoo Finance, Bloomberg, S&P Capital IQ)
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Investment decisions should be made in consultation with a qualified financial advisor. Market share data is an estimation and may vary depending on the source and methodology.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Cincinnati Financial Corporation
Exchange NASDAQ | Headquaters Fairfield, OH, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Director Mr. Stephen Michael Spray | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 5624 | Website https://www.cinfin.com |
Full time employees 5624 | Website https://www.cinfin.com | ||
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.
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