P/E 8.1 — cheaper than most Financial Services peers (≈25th pctile)
ROE21.5%A-
ROE 21.5% — Buffett's preferred bar (>20%)
P/B1.58B
P/B 1.58 — fair; a premium the market pays for returns
Yield2.2%B
Yield 2.2% — modest income
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Financial strength · 74.3 / 100
Profitability91.5
Value (P/B)62.4
Income57.7
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 rangeMid-range
12% off the 12-month high
Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.
Why now
Insurance - Property & Casualty · market cap $26.3b. 12% off the 52-week high of $194.81. Revenue growing +11%, comfortably above the S&P median. 6 sell-side analysts publish a mean 1-yr target of $191.67 (implying +12% 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% sits above Buffett's preferred 15% threshold — 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 $191.67 (6-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $241.97 at ~7% CAGR — dividend + buyback compounding. 10 yr $310.33 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · CINF
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
Every figure here comes from the same audited fundamentals behind the score. Charts drawn from data the score does not use say so on the card.
Analyst estimate revisions
30-day change
-1.6%
90-day change
-1.7%
Forward EPS estimate
$9.03
Over the last 90 days, what analysts expect CINF to earn is drifting lower (-1.7%). 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.
A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →
Position sizing · CINF
$
%
%
Shares to buy
11
Position size
$1,886
3.8% of portfolio
Stop price
$128.56
25% below $171.42
$ at risk if stopped
$471.40
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Cincinnati Financial Corporation (CINF) is a 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 compute a reliable discounted-cash-flow value for CINF — typically because it is not yet consistently profitable or free-cash-flow positive — so its valuation rests on growth and price-to-sales rather than on earnings-based intrinsic value. Judge it on the trajectory of the business, not a single multiple.
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.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.