Bull Rankings model

Cincinnati Financial Corporation (CINF) stock analysis

Insurance - Property & Casualty. Scored on the same transparent model behind the daily rankings.

★
CINF
Cincinnati Financial Corporation · Insurance - Property & Casualty
75.3Financial strength
$163.39Oct 9 close$25.1B
1Y Target$191.00Analyst consensus · 6 analysts
5Y Target$241.13Compound horizon
10Y Target$309.25Long-dated conviction
Rev+11.4%
B
Revenue +11.4% — at or above S&P median
P/E7.7x
A
P/E 7.7 — cheapest decile in Financial Services (≈10th pctile)
ROE21.5%
A-
ROE 21.5% — a high bar (above 20%)
P/B1.50
B
P/B 1.50 — fair; a premium the market pays for returns
Yield2.3%
B
Yield 2.3% — modest income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 75.3 / 100
Profitability91.5
Value (P/B)64.9
Income58.7

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week low
16% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Property & Casualty · market cap $25.1b. 16% off the 52-week high of $194.81. Revenue growing +11%, comfortably above the S&P median. 6 sell-side analysts rate this a Buy with a mean 1-yr target of $191.00 (implying +17% upside).
Moat
Net margin 24% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 21% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $191.00 (6-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $241.13 at ~8% CAGR — dividend compounding plus earnings growth. 10 yr $309.25 if the moat survives secular pressure.

Not enough history yet — the model records CINF's score after each daily run, and the chart appears once a few days have accumulated.

CINF at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY91VALUE65COVERED INCOME5975.3/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$163LOW $150HIGH $195Trading at the 30th percentile of its 52-week range ($150–$195).
ONE-YEAR MOVE VS ITS BETAFLATThis stock+4%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.3%
90-day change-1.5%
Forward EPS estimate$9.06

Over the last 90 days, what analysts expect CINF to earn is drifting lower (-1.5%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
12
Position size
$1,961
3.9% of portfolio
Stop price
$122.54
25% below $163.39
$ at risk if stopped
$490.17
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Cincinnati Financial Corporation (CINF): score, valuation & FAQ

Cincinnati Financial Corporation (CINF) is an Insurance - Property & Casualty company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A) and ROE (A-).

Is CINF a good stock to buy?

Bull Rankings grades CINF on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A) and ROE (A-). A score is a quantitative screen of Cincinnati Financial Corporation's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade CINF?

As a bank, insurer or REIT, CINF isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A) and ROE (A-).

Is CINF overvalued or undervalued?

We don't publish a discounted-cash-flow value for CINF, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. CINF is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in CINF?

Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

More P&C Insurance stocks by score

All Financial Services rankings →

Analyze another ticker →