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Upturn AI SWOT - About
CINF 
Cincinnati Financial Corporation (CINF)
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Upturn Advisory Summary
08/28/2025: 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 $162
1 Year Target Price $162
| 1 | Strong Buy |
| 3 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.05% | Avg. Invested days 70 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 24.08B USD | Price to earnings Ratio 13.29 | 1Y Target Price 162 |
Price to earnings Ratio 13.29 | 1Y Target Price 162 | ||
Volume (30-day avg) 8 | Beta 0.71 | 52 Weeks Range 122.28 - 158.91 | Updated Date 08/29/2025 |
52 Weeks Range 122.28 - 158.91 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.18% | Basic EPS (TTM) 11.54 |
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 15.59% | Operating Margin (TTM) 26.76% |
Management Effectiveness
Return on Assets (TTM) 3.9% | Return on Equity (TTM) 13.44% |
Valuation
Trailing PE 13.29 | Forward PE 29.41 | Enterprise Value 23877143134 | Price to Sales(TTM) 2.06 |
Enterprise Value 23877143134 | Price to Sales(TTM) 2.06 | ||
Enterprise Value to Revenue 2.05 | Enterprise Value to EBITDA - | Shares Outstanding 156376000 | Shares Floating 153380250 |
Shares Outstanding 156376000 | Shares Floating 153380250 | ||
Percent Insiders 1.59 | Percent Institutions 70.33 |
Upturn AI SWOT
Cincinnati Financial Corporation
Company Overview
History and Background
Cincinnati Financial Corporation was founded in 1950. It began as The Cincinnati Insurance Company and has grown into a diversified insurance holding company. Key milestones include expanding its product offerings and geographic footprint, as well as achieving consistent profitability.
Core Business Areas
- Commercial Lines Insurance: Provides property and casualty insurance for businesses, including coverage for buildings, equipment, and liability.
- Personal Lines Insurance: Offers property and casualty insurance for individuals, covering homes, automobiles, and personal belongings.
- Life Insurance: Provides life insurance products, including term life, whole life, and universal life policies.
- Asset Management: Manages investments for the company and its clients, including mutual funds and fixed-income securities.
Leadership and Structure
Steven J. Johnston is the Chairman, President, and CEO. The company operates with a decentralized structure, empowering local agents and regional offices.
Top Products and Market Share
Key Offerings
- Commercial Property & Casualty Insurance: Commercial P&C accounts for a significant portion of Cincinnati Financial's revenue. Market share is estimated around 1.5-2% of the overall US market. Competitors include Travelers, Chubb, and Hartford Financial Services.
- Market Share (%): 1.5,2
- Market Share (%): 0.5,1
- Personal Auto Insurance: Personal auto policies contribute meaningfully to the company's premium revenue. Exact market share data can vary by region. Competitors include State Farm, Geico, and Progressive.
- Life Insurance Products: Life insurance provides diversification to Cincinnati Financial's overall risk profile. Revenue is less than P&C. Competitors include New York Life, Northwestern Mutual, and Prudential Financial.
- Market Share (%): 0.1,0.3
Market Dynamics
Industry Overview
The insurance industry is highly competitive and regulated. It is influenced by factors like interest rates, economic growth, and claims trends (e.g., weather-related events).
Positioning
Cincinnati Financial focuses on independent agents and a relationship-based approach. Its competitive advantages include strong underwriting expertise and a commitment to local service.
Total Addressable Market (TAM)
The US property and casualty insurance market is estimated to be worth several hundreds of billions of dollars annually. Cincinnati Financial holds a relatively small but significant share of this large market, indicating ample room for growth.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Disciplined underwriting practices
- Solid financial strength and stability
- Diversified product offerings
- Excellent reputation for customer service
Weaknesses
- Smaller market share compared to larger competitors
- Geographic concentration in certain regions
- Reliance on independent agents can limit control over distribution
- Relatively high expense ratio compared to peers
Opportunities
- Expanding into new geographic markets
- Increasing market share through strategic acquisitions
- Leveraging technology to improve efficiency and customer experience
- Developing new insurance products to meet evolving customer needs
- Capitalizing on the increasing demand for insurance due to climate change
Threats
- Intense competition from larger insurance companies
- Economic downturns could reduce demand for insurance products
- Rising claims costs due to natural disasters and other events
- Changes in regulations could increase compliance costs
- Technological disruption from insurtech companies
Competitors and Market Share
Key Competitors
- TRV
- CB
- HIG
- ALL
Competitive Landscape
Cincinnati Financial competes primarily on service and relationships. Its smaller size can be a disadvantage against larger companies with more resources, but its focus on independent agents provides a niche.
Major Acquisitions
MSP Underwriting, LLC
- Year: 2015
- Acquisition Price (USD millions): 120
- Strategic Rationale: Expanded specialty insurance capabilities and market reach.
Growth Trajectory and Initiatives
Historical Growth: Historically, Cincinnati Financial has grown steadily through organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth for Cincinnati Financial, driven by increasing demand for insurance and the company's strong competitive position.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and the development of new insurance products.
Summary
Cincinnati Financial is a well-established insurance company with strong relationships with independent agents. Its financial stability and consistent dividend payouts are positives. However, the company's smaller market share and reliance on independent agents compared to larger competitors pose risks that need to be carefully watched, but are mitigated with a strong book of business.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings, Analyst Reports, Insurance Industry Associations
Disclaimers:
This analysis is based on available information and represents a general overview. It is not financial advice, and investors should conduct their own research before making any investment decisions.
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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