Stocks · Financial Services · Insurance - Property & Casualty
Cincinnati Financial Corporation CINF
$161.95 -0.12% Close, Oct 2, 2026 · NASDAQ · Market cap $24.86B
Strong growthInexpensive vs sector
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $21.21, up 84.0% year over year.
- Operating margin widened to 29.8% from 19.2% a year earlier.
- The shares trade at 7.6× trailing earnings, lower than 84% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth94Exceptional
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 23%
- EPS growth (TTM, YoY)Top 15%
- FCF growth (TTM, YoY)Top 39%
- Revenue growth, 3-year CAGRTop 21%
- Revenue growth accelerationTop 31%
Quality79Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 8%
- Gross marginBottom 25%
- Operating marginTop 29%
- Cash conversion (OCF / net income)Bottom 40%
- Accruals (lower is better)Bottom 46%
- Net debt / EBITDA (lower is better)Top 26%
- Interest coverTop 2%
Value96Exceptional
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 8%
- Free-cash-flow yieldTop 21%
- EBITDA / enterprise valueTop 9%
- Sales / enterprise valueTop 22%
- P/E vs own 5-year history (lower is better)Top 16%
Momentum28Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 47%
- 6-month returnBottom 37%
- 1-year return vs S&P 500Bottom 37%
- Distance from 52-week highBottom 30%
- Trend checklist (0–4)Bottom 27%
Revisions47Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 33%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 42%
- Upside to consensus price targetTop 32%
Stability73Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 49%
- Maximum drawdown, 3 yearsTop 28%
- Beta vs S&P 500 (lower is better)Top 33%
- Net debt / EBITDA (lower is better)Top 26%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 17.9% | 19.6% | ↑ |
| EPS growth (YoY) | 90.8% | 84.0% | ↓ |
| Gross margin | 44.0% | 52.3% | ↑ |
| Operating margin | 19.2% | 29.8% | ↑ |
| FCF margin | 22.2% | 24.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 19.6% | 17.9% | ↑ | Top 23% |
| EPS growth (TTM, YoY) | 84.0% | 90.8% | ↓ | Top 15% |
| Gross margin | 52.3% | 44.0% | ↑ | Bottom 25% |
| Operating margin | 29.8% | 19.2% | ↑ | Top 29% |
| Net margin | 23.8% | 15.6% | ↑ | — |
| Free-cash-flow margin | 24.5% | 22.2% | ↑ | — |
| Return on invested capital | 15.1% | — | Top 8% | |
| Revenue growth, 3-year CAGR | 24.4% | — | Top 21% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.03×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -21.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.20×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 78.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.18%
- Net buyback yield (TTM)
- 1.81%
- Shareholder yield
- 4.00%
- Share count change, 1 year
- -1.2%
- Share count change, 3-year CAGR
- -0.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 27, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +8.7%
- Average 2-day reaction, last 8
- -0.2%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $198.00
- Target vs current price
- +22.3%
- Analysts with a rating
- 17
- Share rating Buy or Strong Buy
- 41%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | -22.3% | +0.8% | -2.8% | -7.9% | — |
| Apr 27, 2026 | +7.7% | +0.7% | -1.5% | +2.2% | +9.0% |
| Feb 9, 2026 | +16.2% | -2.3% | -5.7% | -5.4% | -7.1% |
| Oct 27, 2025 | +33.2% | +0.6% | -1.3% | +6.0% | +0.9% |
| Jul 28, 2025 | +39.7% | -1.5% | -2.1% | +4.0% | +3.7% |
| Apr 28, 2025 | +61.3% | +1.6% | +7.4% | +9.1% | +12.9% |
| Feb 10, 2025 | +65.3% | -1.0% | +0.0% | +1.1% | +5.8% |
| Oct 24, 2024 | -2.7% | -0.5% | +3.3% | +9.2% | -0.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $1.43 | $1.84 | -22.3% | $2.63B |
| Apr 27, 2026 | $2.10 | $1.95 | +7.7% | $2.60B |
| Feb 9, 2026 | $3.37 | $2.90 | +16.2% | $2.59B |
| Oct 27, 2025 | $2.85 | $2.14 | +33.2% | $3.73B |
| Jul 28, 2025 | $1.97 | $1.41 | +39.7% | $3.25B |
| Apr 28, 2025 | -$0.24 | -$0.62 | +61.3% | $2.57B |
| Feb 10, 2025 | $3.14 | $1.90 | +65.3% | $2.54B |
| Oct 24, 2024 | $1.42 | $1.46 | -2.7% | $3.32B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 7.6× | 9.5× | 16th | Top 8% |
| P/E (forward) | 19.2× | — | — | — |
| EV / EBITDA | 5.5× | — | — | Top 9% |
| EV / Sales | 1.72× | — | — | Top 22% |
| Free-cash-flow yield | 13.74% | — | — | Top 21% |
| Earnings yield | 13.10% | — | — | Top 8% |
P/E over the past five years
Range 6.5× – 36.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +1.4%
- Earnings per share growth (TTM)
- +84.0%
- Change in P/E multiple
- -31.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.5%
- 200-day average slope (20 days)
- +0.1%
- Distance from 50-day average
- -5.4%
- Distance from 200-day average
- -3.3%
- RSI (14)
- 35.3
- Relative volume
- 0.80×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.7%
- Volatility vs own 5-year history
- 28th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.49
- Correlation with S&P 500
- 0.32
- Current drawdown from 1-year high
- -15.7%
- Maximum drawdown, 3 years
- -21.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 20, 2022 | Sep 30, 2022 | -36.6% | 113 days | 514 days (Oct 17, 2024) |
| Nov 27, 2024 | Apr 7, 2025 | -20.9% | 87 days | 123 days (Oct 2, 2025) |
| Jul 2, 2026 | Sep 30, 2026 | -17.0% | 62 days | Not yet recovered |
| Oct 21, 2020 | Oct 30, 2020 | -16.1% | 7 days | 6 days (Nov 9, 2020) |
| Oct 28, 2021 | Dec 20, 2021 | -12.8% | 36 days | 40 days (Feb 16, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $24.86B
- P/E (TTM)
- 7.6
- EPS, diluted (TTM)
- $21.21
- Revenue (TTM)
- $13.95B
- Dividend yield
- 2.28%
- 52-week range
- $150.00 – $194.81
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $9.63B | $6.56B | $10.01B | $11.34B | $12.63B |
| Gross profit | $5.72B | $1.54B | $4.74B | $5.60B | $5.99B |
| Operating income | $3.70B | -$694.0M | $2.28B | $2.86B | $2.98B |
| Net income | $2.97B | -$487.0M | $1.84B | $2.29B | $2.39B |
| EPS (diluted) | $18.10 | -$3.06 | $11.66 | $14.53 | $15.17 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.32B | $2.54B | $2.57B | $3.25B | $3.73B | $3.09B | $2.86B | $4.27B |
| Net income | $820.0M | $405.0M | -$90.0M | $685.0M | $1.12B | $676.0M | $274.0M | $1.25B |
| EPS (diluted) | $5.20 | $2.57 | -$0.58 | $4.34 | $7.11 | $4.30 | $1.75 | $8.05 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $1.98B | $2.05B | $2.05B | $2.65B | $3.11B |
| Capital expenditure | -$15.0M | -$15.0M | -$18.0M | -$22.0M | -$20.0M |
| Free cash flow | $1.97B | $2.04B | $2.03B | $2.63B | $3.09B |
| Dividends paid | -$395.0M | -$423.0M | -$454.0M | -$490.0M | -$525.0M |
| Net share buybacks | -$144.0M | -$410.0M | -$67.0M | -$126.0M | -$195.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $34.03B
- Total assets
- $43.08B
- Total liabilities
- $26.45B
- Total debt
- $876.0M
- Net debt
- -$874.0M
- Shareholders’ equity
- $16.67B
As of Jun 30, 2026 (filed Jul 27, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 23, 2026 | $0.94 | Oct 15, 2026 |
| Jun 23, 2026 | $0.94 | Jul 15, 2026 |
| Mar 24, 2026 | $0.94 | Apr 15, 2026 |
| Dec 22, 2025 | $0.87 | Jan 15, 2026 |
| Sep 22, 2025 | $0.87 | Oct 15, 2025 |
| Jun 23, 2025 | $0.87 | Jul 15, 2025 |
| Mar 24, 2025 | $0.87 | Apr 15, 2025 |
| Dec 19, 2024 | $0.81 | Jan 15, 2025 |
Short interest
- Shares sold short
- 3,759,762
- Days to cover
- 8.07
- Change vs previous report
- +4.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Apr 4, 2005
- 21-for-20
- Apr 28, 2004
- 21-for-20
- May 18, 1998
- 3-for-1
- Mar 13, 1996
- 21-for-20
- Mar 13, 1995
- 21-for-20