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Upturn AI SWOT - About
CINF 
Cincinnati Financial Corporation (CINF)
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Upturn Advisory Summary
09/15/2025: 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 $163.33
1 Year Target Price $163.33
| 1 | Strong Buy |
| 3 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.44% | Avg. Invested days 72 | 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 09/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 24.53B USD | Price to earnings Ratio 13.6 | 1Y Target Price 163.33 |
Price to earnings Ratio 13.6 | 1Y Target Price 163.33 | ||
Volume (30-day avg) 8 | Beta 0.73 | 52 Weeks Range 122.28 - 158.92 | Updated Date 09/15/2025 |
52 Weeks Range 122.28 - 158.92 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 2.14% | Basic EPS (TTM) 11.53 |
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 13.6 | Forward PE 18.45 | Enterprise Value 24418205554 | Price to Sales(TTM) 2.1 |
Enterprise Value 24418205554 | Price to Sales(TTM) 2.1 | ||
Enterprise Value to Revenue 2.09 | Enterprise Value to EBITDA - | Shares Outstanding 156376000 | Shares Floating 153380250 |
Shares Outstanding 156376000 | Shares Floating 153380250 | ||
Percent Insiders 1.59 | Percent Institutions 70.32 |
Upturn AI SWOT
Cincinnati Financial Corporation
Company Overview
History and Background
Cincinnati Financial Corporation was founded in 1950. Originally focusing on property and casualty insurance, it has grown into a diversified financial services provider.
Core Business Areas
- Commercial Lines Insurance: Provides property and casualty insurance for businesses, including commercial auto, property, and liability coverage.
- Personal Lines Insurance: Offers property and casualty insurance for individuals, including homeowners, auto, and umbrella coverage.
- Life Insurance: Provides life insurance products, including term, whole, and universal life policies.
- Asset Management: Offers investment management services through its subsidiary, CFC Investment Company.
Leadership and Structure
Steven J. Johnston is the CEO. The company operates with a decentralized structure, empowering local agents and regional offices.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Protects businesses from financial losses due to property damage. Competitors include Travelers, Chubb, and Hartford Financial. No specific market share data available.
- Commercial Auto Insurance: Provides coverage for business vehicles. Competitors include Progressive, Liberty Mutual, and Nationwide. No specific market share data available.
- Homeowners Insurance: Offers protection for homeowners against property damage and liability claims. Competitors include State Farm, Allstate, and Progressive. No specific market share data available.
- Term Life Insurance: Provides life insurance coverage for a specified period. Competitors include Prudential, New York Life, and MassMutual. No specific market share data available.
Market Dynamics
Industry Overview
The property and casualty insurance industry is competitive and influenced by factors such as economic conditions, interest rates, and regulatory changes.
Positioning
Cincinnati Financial Corporation focuses on providing high-quality service and maintaining strong relationships with independent agents, differentiating itself through personal touch and local expertise. It is a super regional company.
Total Addressable Market (TAM)
The TAM for the U.S. property and casualty insurance market is estimated to be several hundred billion dollars. Cincinnati Financial Corporation is well-positioned to capture a share of this market with its strong agent network and diversified product offerings.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Diversified product offerings
- Conservative underwriting practices
- Consistent profitability
- Strong financial position
Weaknesses
- Limited international presence
- Reliance on independent agents may constrain growth
- Smaller size compared to national competitors
- Lower investment income yield versus peers
Opportunities
- Expanding into new geographic markets
- Leveraging technology to improve efficiency
- Acquiring smaller insurance companies
- Capitalizing on increasing demand for specialized insurance products
Threats
- Increased competition from larger national insurers
- Economic downturn could reduce demand for insurance
- Rising claims costs due to inflation and natural disasters
- Regulatory changes could impact profitability
Competitors and Market Share
Key Competitors
- TRV
- CB
- HIG
- ALL
- PGR
- WRB
- L
- GWO.TO
Competitive Landscape
Cincinnati Financial Corporation differentiates itself through strong agent relationships and personalized service but faces competition from larger national insurers with greater resources and brand recognition. Note: These shares sum up to a few percent. Full market shares are much more difficult to obtain.
Major Acquisitions
MSP Underwriting, LLC
- Year: 2015
- Acquisition Price (USD millions):
- Strategic Rationale: Expanded specialty insurance offerings and increased access to niche markets.
Growth Trajectory and Initiatives
Historical Growth: Cincinnati Financial Corporation has experienced steady growth in revenue and earnings over the past decade.
Future Projections: Analyst estimates project continued growth for Cincinnati Financial Corporation, driven by expansion in new markets and increased demand for insurance products.
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion of product offerings, and strengthening relationships with independent agents.
Summary
Cincinnati Financial Corporation exhibits financial stability and robust agent relationships, driving consistent profitability. However, its size compared to national players restricts scalability, and it faces risks from economic fluctuations and rising claims. Strategic technology investment and market expansion are crucial for sustained growth. They appear well managed and have a long-term outlook for growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, analyst reports, industry publications, news articles.
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market share data is estimated and may not be precise.
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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