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Upturn AI SWOT - About
CINF 
Cincinnati Financial Corporation (CINF)
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Upturn Advisory Summary
07/03/2025: CINF (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $152.83
1 Year Target Price $152.83
| 1 | Strong Buy |
| 3 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 19.2% | Avg. Invested days 62 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 23.23B USD | Price to earnings Ratio 16.19 | 1Y Target Price 152.83 |
Price to earnings Ratio 16.19 | 1Y Target Price 152.83 | ||
Volume (30-day avg) 8 | Beta 0.79 | 52 Weeks Range 112.74 - 158.91 | Updated Date 07/4/2025 |
52 Weeks Range 112.74 - 158.91 | Updated Date 07/4/2025 | ||
Dividends yield (FY) 2.34% | Basic EPS (TTM) 9.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.19% | Operating Margin (TTM) -4.48% |
Management Effectiveness
Return on Assets (TTM) 3.22% | Return on Equity (TTM) 10.97% |
Valuation
Trailing PE 16.19 | Forward PE 28.57 | Enterprise Value 22714898673 | Price to Sales(TTM) 2.12 |
Enterprise Value 22714898673 | Price to Sales(TTM) 2.12 | ||
Enterprise Value to Revenue 2.07 | Enterprise Value to EBITDA - | Shares Outstanding 156304000 | Shares Floating 153332278 |
Shares Outstanding 156304000 | Shares Floating 153332278 | ||
Percent Insiders 1.58 | Percent Institutions 70.36 |
Upturn AI SWOT
Cincinnati Financial Corporation
Company Overview
History and Background
Cincinnati Financial Corporation was founded in 1950. It started as The Cincinnati Insurance Company and has grown into a multi-line insurance holding company, focusing on property casualty insurance. Over the years, it has expanded its product offerings and geographic reach.
Core Business Areas
- Commercial Lines Insurance: Provides property and casualty insurance coverage to businesses, including commercial auto, workers' compensation, and general liability.
- Personal Lines Insurance: Offers property and casualty insurance to individuals, including homeowners, auto, and umbrella coverage.
- Life Insurance: Offers individual and term life insurance products through Cincinnati Life Insurance Company.
- Asset Management: Provides investment management services through Cincinnati Asset Management.
Leadership and Structure
Steven J. Johnston serves as the CEO. The company is structured with various divisions overseeing specific insurance lines and investment management. It operates through a network of independent insurance agencies.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Protects businesses against financial loss due to damage or destruction of commercial buildings and structures. Market share is estimated to be around 1.5-2%. Competitors include Travelers, Chubb, and Hartford Financial Services.
- Market Share (%): 1.7
- Commercial Auto Insurance: Provides liability and physical damage coverage for commercial vehicles. Market share is estimated around 1.0-1.5%. Competitors include Progressive, Travelers, and Liberty Mutual.
- Market Share (%): 1.3
- Homeowners Insurance: Covers losses and damages to an individual's house and assets in the home. Market share is estimated around 0.5-1.0%. Competitors include State Farm, Allstate, and Progressive.
- Market Share (%): 0.8
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to economic cycles, regulatory changes, and catastrophic events. Demand is driven by economic growth, property values, and risk awareness.
Positioning
Cincinnati Financial is positioned as a financially strong and relationship-focused insurer, relying on independent agents to distribute its products. Its competitive advantage lies in its agency relationships and financial stability.
Total Addressable Market (TAM)
The total addressable market for property and casualty insurance in the US is estimated to be over $800 billion. Cincinnati Financial is positioned to capture a modest portion of this TAM, focusing on profitable growth and agency partnerships.
Upturn SWOT Analysis
Strengths
- Strong financial strength ratings
- Extensive network of independent agents
- Diversified product offerings
- Disciplined underwriting practices
- Long-term relationships with agencies
Weaknesses
- Reliance on independent agency network
- Smaller market share compared to larger national players
- Exposure to catastrophic events
- Geographic concentration in certain regions
Opportunities
- Expansion into new geographic markets
- Increased adoption of technology to improve efficiency
- Growth in niche insurance segments
- Strategic acquisitions to expand product offerings
Threats
- Increased competition from larger national insurers
- Rising claims costs due to inflation and catastrophic events
- Changes in regulatory environment
- Economic downturn impacting premium growth
Competitors and Market Share
Key Competitors
- TRV
- CB
- HIG
- ALL
- PGR
- WRB
Competitive Landscape
Cincinnati Financial faces intense competition from larger national insurers. Its advantages include its agency relationships and financial strength, while its disadvantages include its smaller scale and geographic concentration.
Major Acquisitions
MSI Insurance
- Year: 2015
- Acquisition Price (USD millions): 100
- Strategic Rationale: The acquisition of MSI Insurance strengthened Cincinnati Financial's presence in the Midwest and expanded its product offerings.
Growth Trajectory and Initiatives
Historical Growth: Cincinnati Financial has experienced steady growth in revenue and earnings over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth for Cincinnati Financial, with revenue growth of 5-7% annually and EPS growth of 8-10% annually. These are estimated values.
Recent Initiatives: Recent initiatives include expanding its technology platform, enhancing its data analytics capabilities, and strengthening its agency relationships.
Summary
Cincinnati Financial Corporation is a financially stable company with strong agency relationships. It has a solid track record of dividend payments and consistent growth. However, it faces competition from larger insurers and is exposed to catastrophic events. Its focus on technology and strategic acquisitions should position it for continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Cincinnati Financial Corporation Annual Reports
- SEC Filings
- Industry Research Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Future performance is not guaranteed.
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. Cincinnati Financial Corporation was founded in 1950 and is headquartered in Fairfield, Ohio.
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