Cincinnati Financial Corporation CINF
Financial Services · Insurance - Property & Casualty · United States · S&P 500
Based on the available data, Cincinnati Financial Corporation gets an algorithmic score of 78/100. It trades at 161.13 $, with a sideways/transition technical trend (RSI 28.6) and 20.7% annual volatility.
Updated: 2026-09-30
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Strengths
- High ROE (21.5%): generates strong profit on equity.
- High net margin (23.8%): pricing power / competitive advantage.
- Sustained revenue growth (24.4% compound annual).
- Attractive free-cash-flow yield (12.5%).
- Low beta (0.48): defensive profile.
Weaknesses
- —
Fundamentals
| P/E | 7.65 |
| Forward P/E | 17.84 |
| PEG | 2.19 |
| P/B | 1.48 |
| EV/EBITDA | 5.43 |
| P/S | 1.77 |
| ROE % | 21.48 |
| ROA % | 6.41 |
| Gross margin % | 31.07 |
| Operating margin % | 37.20 |
| Net margin % | 23.84 |
| Revenue growth % (y/y) | 31.60 |
| Earnings growth % (y/y) | 85.50 |
| Revenue CAGR % | 24.39 |
| Debt/Equity % | 5.25 |
| Current ratio | 1.15 |
| FCF yield % | 12.50 |
| Dividend yield % | 2.33 |
| Payout % | 17.09 |
Returns
| 1 month | -5.8 % |
| 3 months | -12.5 % |
| 6 months | +4.2 % |
| YTD | +1.5 % |
| 1 year | +5.0 % |
| 3 years | +61.9 % |
| 5 years | +60.4 % |
Risk
| 1-year volatility | 20.7 % |
| Beta | 0.48 |
| 5-year max drawdown | -35.8 % |
| Sharpe 1A | 0.15 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.