CINF
Neutral signalScored 2026-10-18 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
Research, not advice.
À propos
Cincinnati Financial Corporation
- Nom
- Cincinnati Financial Corporation
- Secteur
- Financial Services
- Industrie
- Insurance - Property & Casualty
- Bourse
- NASDAQ
- Capitalisation
- $27.1B
- Employés
- 5,705
- PDG
- Stephen Michael Spray
- Site web
- https://www.cinfin.com
- Marché
- AFGALLCBCNAMKLPGR
Cincinnati Financial Corporation, operating through its various subsidiaries, delivers a range of property and casualty insurance offerings across the United States. Its operations are organized into five distinct divisions: Commercial Lines, Personal Lines, Excess and Surplus Lines, Life Insurance, and Investments. The Commercial Lines division safeguards businesses against risks such as commercial casualty, property damage, vehicle incidents, and workers' compensation claims; it also offers specialized protection including director and officer liability, various surety and fidelity bonds, and coverage for machinery and equipment. For individual clients, the Personal Lines segment provides essential coverages like personal auto and homeowner policies, alongside dwelling fire, inland marine, personal umbrella liability, and watercraft protection. The Excess and Surplus Lines segment specializes in commercial casualty insurance, protecting companies from third-party liabilities stemming from on-site incidents, operational activities, or product-related injuries; this segment also delivers commercial property insurance, securing assets like buildings, inventory, and equipment, as well as business income, against a broad spectrum of perils including fire, wind, hail, water damage, theft, and vandalism. Through its Life Insurance division, the company offers a comprehensive suite of life policies, encompassing term life, universal life, worksite-based term life, and whole life insurance options. The Investments segment manages a portfolio including fixed-maturity assets like taxable and tax-exempt bonds, along with redeemable preferred stocks, and equity holdings such as common and non-redeemable preferred stocks. Beyond insurance, Cincinnati Financial Corporation extends its services to include commercial leasing and financing, as well as insurance brokerage. Established in 1950, Cincinnati Financial Corporation's corporate headquarters are situated in Fairfield, Ohio.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Decouvert par les declarations du Congres
- Insiders
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- Total bought
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Avg buy (VWAP, 90d window) —
- Total sold
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Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
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- Last synced
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2026-10-18 17:07:39
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Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
No Form 4 filings for this company in this window.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
| Date | Member | Side | Amount range | Filing |
|---|---|---|---|---|
| 2026-09-18 | Gilbert Cisneros | Buy | $1,001 - $15,000 | Filing |
| 2026-09-04 | Ro Khanna | Buy | $1,001 - $15,000 | Filing |
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-09-18 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2026-09-04 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-04-09 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2025-03-18 | Sheri Biggs | Sale (Full) | $1,001 - $15,000 |
| 2024-10-14 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2024-06-21 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2023-08-29 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-06-29 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-05-25 | Zoe Lofgren | Sale (Full) | $1,001 - $15,000 |
| 2023-05-19 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-03-14 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-01-11 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2022-08-01 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-05-23 | Ro Khanna | Sale | $15,001 - $50,000 |
| 2020-03-23 | Zoe Lofgren | Sale (Full) | $1,001 - $15,000 |
| 2019-11-11 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2019-03-25 | Van Taylor | Sale (Full) | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-10-18 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
CINF presents solid financial fundamentals with strong profitability, conservative leverage, and consistent cash flow (liquidity score 85, fundamental trend 75), providing a healthy base for any catalyst-driven move.
The first sentence of the analysis written for CINF on 2026-10-18 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Unavailable or mixed. No open-market purchase or sale value stored
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Congress Supports a bullish reading. 2 purchase disclosures year to date
- Timing Unavailable or mixed. No stored price series
- Financial indicators Supports a bullish reading. Current ratio 1.29 · operating margin 24%
Recent news
- 2026-10-18 Head-To-Head Review: Cincinnati Financial (NASDAQ:CINF) and Fidelis Insurance (NYSE:PLGO) Cincinnati Financial (NASDAQ: CINF - Get Free Report) and Fidelis Insurance (NYSE: PLGO - Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, risk, valuation, earnings, institutional ownership, analyst recommendations and dividends. Dividends Cincinnati Financial pays an annual dividend of
- 2026-10-16 10,425 Cincinnati Financial Corporation $CINF Shares Acquired by Barlow Wealth Partners LLC Barlow Wealth Partners LLC raised its stake in shares of Cincinnati Financial Corporation (NASDAQ: CINF) by 351.6% in the undefined quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission (SEC). The fund owned 13,390 shares of the insurance provider''s stock after purchasing an additional 10,425 shares
- 2026-10-16 Brindle & Bay Financial Advisors LLC Makes New $1.25 Million Investment in Cincinnati Financial Corporation $CINF Brindle and Bay Financial Advisors LLC acquired a new stake in Cincinnati Financial Corporation (NASDAQ: CINF) in the third quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission (SEC). The fund acquired 7,852 shares of the insurance provider''s stock, valued at approximately $1,251,000. A number of
- 2026-10-15 Cincinnati Financial Corporation $CINF Stock Bought by Krilogy Financial LLC Krilogy Financial LLC raised its stake in shares of Cincinnati Financial Corporation (NASDAQ: CINF) by 518.6% during the third quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The firm owned 20,743 shares of the insurance provider''s stock after purchasing an additional 17,390
- 2026-10-15 First Citizens Bank & Trust Co. Buys 21,510 Shares of Cincinnati Financial Corporation $CINF First Citizens Bank and Trust Co. boosted its stake in Cincinnati Financial Corporation (NASDAQ: CINF) by 1,347.7% in the third quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The institutional investor owned 23,106 shares of the insurance provider''s stock after buying an additional 21,510 shares
- 2026-10-09 Cincinnati Financial Corporation $CINF Stock Position Increased by GAMMA Investing LLC GAMMA Investing LLC lifted its holdings in shares of Cincinnati Financial Corporation (NASDAQ: CINF) by 165.9% during the undefined quarter, according to its most recent disclosure with the SEC. The institutional investor owned 21,974 shares of the insurance provider''s stock after purchasing an additional 13,711 shares during the quarter. GAMMA Investing LLC''s holdings
- 2026-10-07 Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Cincinnati Financial (CINF) have what it takes?
- 2026-10-07 Cincinnati Financial Schedules Webcast to Discuss Third-Quarter 2026 Results CINCINNATI, Oct. 7, 2026 /PRNewswire/ -- Cincinnati Financial Corporation (Nasdaq: CINF) plans to release its third-quarter 2026 results on Monday, October 26, 2026, after the close of regular trading on the Nasdaq Stock Market. The company will hold a conference call to discuss third-quarter 2026 results on Tuesday, October 27, at 11 a.m.
- 2026-10-06 Cincinnati Financial Corporation (NASDAQ:CINF) Receives Average Rating of “Moderate Buy” from Analysts Shares of Cincinnati Financial Corporation (NASDAQ: CINF - Get Free Report) have earned an average rating of "Moderate Buy" from the five research firms that are presently covering the firm, Marketbeat.com reports. Three analysts have rated the stock with a hold rating, one has issued a buy rating and one has given a strong buy rating
- 2026-10-06 Cincinnati Financial Corporation $CINF Stock Acquired by MassMutual Private Wealth & Trust FSB MassMutual Private Wealth and Trust FSB increased its position in shares of Cincinnati Financial Corporation (NASDAQ: CINF) by 985.8% in the third quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor owned 36,517 shares of the insurance provider''s stock after purchasing
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 47.4% | 49.4% | 47.3% | 23.5% | 59.4% | |
| Ebit Margin | 24.0% | 25.7% | 23.3% | -9.8% | 39.0% | |
| Ebitda Margin | 25.3% | 26.8% | 24.4% | -7.8% | 39.9% | |
| Operating Profit Margin | 23.6% | 25.2% | 22.7% | -10.6% | 38.4% | |
| Pretax Profit Margin | 23.6% | 25.2% | 22.7% | -10.6% | 38.4% | |
| Continuous Operations Profit Margin | 18.9% | 20.2% | 18.4% | -7.4% | 30.8% | |
| Net Profit Margin | 18.9% | 20.2% | 18.4% | -7.4% | 30.8% | |
| Bottom Line Profit Margin | 18.9% | 20.2% | 18.4% | -7.4% | 30.8% | |
| Current Ratio | 1.286 | 1.309 | 1.260 | 1.265 | 1.382 | |
| Quick Ratio | 1.286 | 1.309 | 1.260 | 1.265 | 1.382 | |
| Solvency Ratio | 0.102 | 0.107 | 0.095 | -0.019 | 0.167 | |
| Cash Ratio | 0.077 | 0.060 | 0.062 | 0.096 | 0.092 | |
| Price To Earnings Ratio | 10.766 | 9.809 | 8.813 | -33.461 | 6.226 | |
| Price To Earnings Growth Ratio | 3.033 | 0.396 | -0.018 | 0.287 | 0.044 | |
| Forward Price To Earnings Growth Ratio | 3.033 | 0.396 | -0.018 | 0.287 | 0.044 | |
| Price To Earnings Diluted Ratio | 10.766 | 9.890 | 8.873 | -33.461 | 6.294 | |
| Price To Earnings Diluted Growth Ratio | 2.444 | 0.402 | -0.018 | 0.286 | 0.044 | |
| Price To Book Ratio | 1.619 | 1.613 | 1.352 | 1.539 | 1.400 | |
| Price To Sales Ratio | 2.040 | 1.982 | 1.633 | 2.477 | 1.906 | |
| Price To Free Cash Flow Ratio | 8.332 | 8.555 | 8.040 | 7.982 | 9.330 | |
| Price To Operating Cash Flow Ratio | 8.279 | 8.484 | 7.969 | 7.924 | 9.259 | |
| Debt To Assets Ratio | 0.022 | 0.024 | 0.027 | 0.030 | 0.029 | |
| Debt To Equity Ratio | 0.056 | 0.063 | 0.072 | 0.084 | 0.068 | |
| Debt To Capital Ratio | 0.053 | 0.059 | 0.067 | 0.078 | 0.064 | |
| Long Term Debt To Capital Ratio | 0.047 | 0.054 | 0.061 | 0.070 | 0.057 | |
| Financial Leverage Ratio | 2.577 | 2.619 | 2.709 | 2.815 | 2.395 | |
| Working Capital Turnover Ratio | 2.433 | 2.568 | 2.754 | 1.596 | 4.070 | |
| Operating Cash Flow Ratio | 0.167 | 0.162 | 0.141 | 0.156 | 0.160 | |
| Operating Cash Flow Sales Ratio | 0.246 | 0.234 | 0.205 | 0.313 | 0.206 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.994 | 0.992 | 0.991 | 0.993 | 0.992 | |
| Debt Service Coverage Ratio | 33.513 | 31.731 | 25.430 | -2.981 | 29.103 | |
| Interest Coverage Ratio | 56.226 | 53.925 | 42.148 | -13.094 | 69.774 | |
| Short Term Operating Cash Flow Coverage Ratio | 124.480 | 105.960 | 82.080 | 41.040 | 36.685 | |
| Operating Cash Flow Coverage Ratio | 3.512 | 3.027 | 2.348 | 2.303 | 2.208 | |
| Capital Expenditure Coverage Ratio | 155.600 | 120.409 | 114.000 | 136.800 | 132.067 | |
| Dividend Paid And Capex Coverage Ratio | 5.710 | 5.174 | 4.347 | 4.685 | 4.832 | |
| Dividend Payout Ratio | 0.219 | 0.214 | 0.246 | -0.869 | 0.133 | |
| Enterprise Value Multiple | 7.878 | 7.355 | 6.683 | -30.908 | 4.709 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 47.4% | ▼-2.0% | ▲2.0% |
| Ebit Margin | 24.0% | ▼-1.7% | ▲3.6% |
| Ebitda Margin | 25.3% | ▼-1.5% | ▲3.6% |
| Operating Profit Margin | 23.6% | ▼-1.6% | ▲3.7% |
| Pretax Profit Margin | 23.6% | ▼-1.6% | ▲3.7% |
| Continuous Operations Profit Margin | 18.9% | ▼-1.3% | ▲2.8% |
| Net Profit Margin | 18.9% | ▼-1.3% | ▲2.8% |
| Bottom Line Profit Margin | 18.9% | ▼-1.3% | ▲2.8% |
| Current Ratio | 1.286 | ▼-0.023 | ▼-0.014 |
| Quick Ratio | 1.286 | ▼-0.023 | ▼-0.014 |
| Solvency Ratio | 0.102 | ▼-0.005 | ▲0.011 |
| Cash Ratio | 0.077 | ▲0.017 | ▼-0.001 |
| Price To Earnings Ratio | 10.766 | ▲0.957 | ▲10.335 |
| Price To Earnings Growth Ratio | 3.033 | ▲2.637 | ▲2.285 |
| Forward Price To Earnings Growth Ratio | 3.033 | ▲2.637 | ▲2.285 |
| Price To Earnings Diluted Ratio | 10.766 | ▲0.876 | ▲10.293 |
| Price To Earnings Diluted Growth Ratio | 2.444 | ▲2.042 | ▲1.813 |
| Price To Book Ratio | 1.619 | ▲0.006 | ▲0.115 |
| Price To Sales Ratio | 2.040 | ▲0.057 | ▲0.032 |
| Price To Free Cash Flow Ratio | 8.332 | ▼-0.223 | ▼-0.116 |
| Price To Operating Cash Flow Ratio | 8.279 | ▼-0.206 | ▼-0.104 |
| Debt To Assets Ratio | 0.022 | ▼-0.002 | ▼-0.005 |
| Debt To Equity Ratio | 0.056 | ▼-0.007 | ▼-0.013 |
| Debt To Capital Ratio | 0.053 | ▼-0.006 | ▼-0.011 |
| Long Term Debt To Capital Ratio | 0.047 | ▼-0.006 | ▼-0.010 |
| Financial Leverage Ratio | 2.577 | ▼-0.042 | ▼-0.046 |
| Working Capital Turnover Ratio | 2.433 | ▼-0.135 | ▼-0.251 |
| Operating Cash Flow Ratio | 0.167 | ▲0.005 | ▲0.010 |
| Operating Cash Flow Sales Ratio | 0.246 | ▲0.013 | ▲0.006 |
| Free Cash Flow Operating Cash Flow Ratio | 0.994 | ▲0.002 | ▲0.001 |
| Debt Service Coverage Ratio | 33.513 | ▲1.782 | ▲10.154 |
| Interest Coverage Ratio | 56.226 | ▲2.302 | ▲14.431 |
| Short Term Operating Cash Flow Coverage Ratio | 124.480 | ▲18.520 | ▲46.431 |
| Operating Cash Flow Coverage Ratio | 3.512 | ▲0.485 | ▲0.833 |
| Capital Expenditure Coverage Ratio | 155.600 | ▲35.191 | ▲23.825 |
| Dividend Paid And Capex Coverage Ratio | 5.710 | ▲0.536 | ▲0.760 |
| Dividend Payout Ratio | 0.219 | ▲0.006 | ▲0.231 |
| Enterprise Value Multiple | 7.878 | ▲0.523 | ▲8.735 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $25.76B | $22.47B | $16.35B | $16.26B | $18.34B | |
| Enterprise value | $25.22B | $22.37B | $16.32B | $15.89B | $18.10B | |
| EV / Sales | 2.00x | 1.97x | 1.63x | 2.42x | 1.88x | |
| EV / Op. cash flow | 8.10x | 8.44x | 7.95x | 7.74x | 9.14x | |
| EV / Free cash flow | 8.16x | 8.51x | 8.02x | 7.80x | 9.21x | |
| EV / EBITDA | 7.88x | 7.36x | 6.68x | -30.91x | 4.71x | |
| Net debt / EBITDA | -0.17x | -0.04x | -0.01x | 0.73x | -0.06x | |
| Current ratio | 1.29x | 1.31x | 1.26x | 1.26x | 1.38x | |
| Income quality | 1.30x | 1.16x | 1.11x | -4.21x | 0.67x | |
| Graham number | $186 | $171 | $142 | — | $184 | |
| Graham net-net | -$14 | -$14 | -$21 | -$21 | -$12 | |
| Tax burden | 80.3% | 80.2% | 81.0% | 70.2% | 80.3% | |
| Interest burden | 98.3% | 98.2% | 97.7% | 108.3% | 98.6% | |
| Working capital | $5.33B | $5.05B | $3.78B | $3.49B | $4.73B | |
| Invested capital | $6.89B | $6.51B | $5.08B | $4.71B | $5.84B | |
| Return on assets | 5.8% | 6.3% | 5.6% | -1.6% | 9.5% | |
| Operating ROA | 7.7% | 8.3% | 7.3% | -2.3% | 12.6% | |
| Return on tangible assets | 6.0% | 6.5% | 5.8% | -1.7% | 9.7% | |
| Return on equity | 15.0% | 16.4% | 15.2% | -4.6% | 22.6% | |
| Return on invested capital | 10.7% | 11.3% | 10.1% | -2.9% | 15.6% | |
| Return on capital employed | 13.3% | 14.2% | 12.5% | -4.2% | 19.4% | |
| Earnings yield | 9.3% | 10.2% | 11.3% | -3.0% | 16.2% | |
| Free cash flow yield | 12.0% | 11.7% | 12.4% | 12.5% | 10.7% | |
| Capex / Op. cash flow | 0.6% | 0.8% | 0.9% | 0.7% | 0.8% | |
| Capex / Depreciation | 11.9% | 16.9% | 16.1% | 11.8% | 16.1% | |
| Capex / Sales | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | |
| SG&A / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.5% | 0.3% | |
| Intangibles / Total assets | 3.3% | 3.4% | 3.3% | 3.4% | 2.9% | |
| Days sales outstanding | 121d | 123d | 129d | 180d | 109d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 121d | 123d | 129d | 180d | 109d | |
| Cash conversion cycle | 121d | 123d | 129d | 180d | 109d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years