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Upturn AI SWOT - About
CINF 
Cincinnati Financial Corporation (CINF)
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Upturn Advisory Summary
04/22/2025: CINF (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 17.74% | Avg. Invested days 65 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 20.82B USD | Price to earnings Ratio 9.15 | 1Y Target Price 150.5 |
Price to earnings Ratio 9.15 | 1Y Target Price 150.5 | ||
Volume (30-day avg) 925092 | Beta 0.55 | 52 Weeks Range 107.24 - 159.87 | Updated Date 04/22/2025 |
52 Weeks Range 107.24 - 159.87 | Updated Date 04/22/2025 | ||
Dividends yield (FY) 2.62% | Basic EPS (TTM) 14.53 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-04-23 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 20.22% | Operating Margin (TTM) 19.39% |
Management Effectiveness
Return on Assets (TTM) 5.25% | Return on Equity (TTM) 17.61% |
Valuation
Trailing PE 9.15 | Forward PE 24.88 | Enterprise Value 20403859456 | Price to Sales(TTM) 1.83 |
Enterprise Value 20403859456 | Price to Sales(TTM) 1.83 | ||
Enterprise Value to Revenue 1.75 | Enterprise Value to EBITDA - | Shares Outstanding 156564992 | Shares Floating 153575042 |
Shares Outstanding 156564992 | Shares Floating 153575042 | ||
Percent Insiders 1.58 | Percent Institutions 68.88 |
Analyst Ratings
Rating 3.62 | Target Price 150.5 | Buy 3 | Strong Buy 1 |
Buy 3 | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Cincinnati Financial Corporation
Company Overview
History and Background
Cincinnati Financial Corporation was founded in 1950. It initially focused on property and casualty insurance and has expanded through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Lines Insurance: Provides property and casualty insurance coverage to businesses, including commercial auto, property, and liability.
- Personal Lines Insurance: Offers personal auto, homeowners, and other personal insurance products to individuals and families.
- Life Insurance: Provides life insurance and annuity products.
- Asset Management: Manages investment portfolios for the company and its clients.
Leadership and Structure
The company is led by Steven J. Johnston (CEO). The organizational structure includes various departments responsible for underwriting, claims, investments, and other functions.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Provides coverage for commercial buildings and property. Competitors include Travelers (TRV) and Chubb (CB). Market share data is fragmented across the commercial insurance market; specific figures are not readily available.
- Commercial Auto Insurance: Covers commercial vehicles for businesses. Competitors include Progressive (PGR) and The Hartford (HIG). Market share data is fragmented across the commercial insurance market; specific figures are not readily available.
- Personal Auto Insurance: Offers auto insurance policies to individuals. Competitors include State Farm and Geico (BRK.A). Market share data is fragmented across the personal insurance market; specific figures are not readily available.
- Homeowners Insurance: Provides coverage for residential properties. Competitors include State Farm and Allstate (ALL). Market share data is fragmented across the homeowners insurance market; specific figures are not readily available.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and influenced by factors such as interest rates, regulatory changes, and catastrophic events.
Positioning
Cincinnati Financial Corporation focuses on partnering with independent agents and providing high-quality service. Its competitive advantage lies in strong agent relationships and financial stability.
Total Addressable Market (TAM)
The total addressable market for property and casualty insurance in the US is estimated to be hundreds of billions of dollars annually. Cincinnati Financial Corporation aims to expand its market share through organic growth and strategic partnerships.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Solid financial strength and stability
- Diversified product offerings
- Conservative underwriting practices
Weaknesses
- Limited international presence
- Dependence on independent agents
- Smaller market share compared to larger competitors
- Exposure to catastrophic events
Opportunities
- Expansion into new geographic markets
- Increased demand for cyber insurance
- Technological advancements in insurance
- Growing demand for specialized insurance products
Threats
- Intense competition in the insurance industry
- Economic downturns
- Regulatory changes
- Catastrophic events and natural disasters
Competitors and Market Share
Key Competitors
- Travelers (TRV)
- Chubb (CB)
- Progressive (PGR)
- The Hartford (HIG)
- Allstate (ALL)
Competitive Landscape
Cincinnati Financial Corporation competes with larger national insurers. Its advantage is strong agent relationships. A disadvantage is a smaller market share compared to national giants.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by premium growth and investment income.
Future Projections: Future projections depend on analyst estimates, which are subject to change.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
Cincinnati Financial Corporation is a financially stable insurance company with a strong network of independent agents. While smaller than its main competitors, its conservative underwriting and consistent dividend payments are a plus. Threats to the company are catastrophic events and a highly competitive market.
Similar Companies
ALL
The Allstate Corporation
ALL
The Allstate Corporation
CB
Chubb Ltd
CB
Chubb Ltd
HIG
Hartford Financial Services Group
HIG
Hartford Financial Services Group
PGR
Progressive Corp
PGR
Progressive Corp
TRV
The Travelers Companies Inc
TRV
The Travelers Companies Inc
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change.
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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