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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.53
CINF's Cash to Debt is ranked higher than
62% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.66 vs. CINF: 0.53 )
CINF' s 10-Year Cash to Debt Range
Min: 0.04   Max: 1.2
Current: 0.53

0.04
1.2
Equity to Asset 0.35
CINF's Equity to Asset is ranked higher than
87% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. CINF: 0.35 )
CINF' s 10-Year Equity to Asset Range
Min: 0.3   Max: 0.51
Current: 0.35

0.3
0.51
Interest Coverage 13.22
CINF's Interest Coverage is ranked higher than
65% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 22.74 vs. CINF: 13.22 )
CINF' s 10-Year Interest Coverage Range
Min: 2.95   Max: 25.08
Current: 13.22

2.95
25.08
F-Score: 6
Z-Score: 1.07
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 15.76
CINF's Operating margin (%) is ranked higher than
81% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. CINF: 15.76 )
CINF' s 10-Year Operating margin (%) Range
Min: 4.63   Max: 29.21
Current: 15.76

4.63
29.21
Net-margin (%) 11.41
CINF's Net-margin (%) is ranked higher than
81% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. CINF: 11.41 )
CINF' s 10-Year Net-margin (%) Range
Min: 4.36   Max: 20.44
Current: 11.41

4.36
20.44
ROE (%) 8.52
CINF's ROE (%) is ranked higher than
69% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. CINF: 8.52 )
CINF' s 10-Year ROE (%) Range
Min: 1.97   Max: 14.42
Current: 8.52

1.97
14.42
ROA (%) 2.93
CINF's ROA (%) is ranked higher than
76% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.65 vs. CINF: 2.93 )
CINF' s 10-Year ROA (%) Range
Min: 0.89   Max: 5.4
Current: 2.93

0.89
5.4
ROC (Joel Greenblatt) (%) 340.00
CINF's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 152 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 184.44 vs. CINF: 340.00 )
CINF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 46.89   Max: 688.6
Current: 340

46.89
688.6
Revenue Growth (%) 5.80
CINF's Revenue Growth (%) is ranked higher than
70% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. CINF: 5.80 )
CINF' s 10-Year Revenue Growth (%) Range
Min: -2.6   Max: 13.3
Current: 5.8

-2.6
13.3
EBITDA Growth (%) 10.70
CINF's EBITDA Growth (%) is ranked higher than
76% of the 164 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. CINF: 10.70 )
CINF' s 10-Year EBITDA Growth (%) Range
Min: -26.3   Max: 49.7
Current: 10.7

-26.3
49.7
EPS Growth (%) 10.70
CINF's EPS Growth (%) is ranked higher than
78% of the 169 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. CINF: 10.70 )
CINF' s 10-Year EPS Growth (%) Range
Min: -27.6   Max: 47.8
Current: 10.7

-27.6
47.8
» CINF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

CINF Guru Trades in Q3 2013

Joel Greenblatt 6,589 sh (New)
Ken Fisher 208,445 sh (+8.31%)
Jean-Marie Eveillard 9,682,566 sh (+0.58%)
Chuck Royce 326,700 sh (unchged)
Paul Tudor Jones Sold Out
Murray Stahl 9,545 sh (-1.12%)
Jeremy Grantham 35,300 sh (-6.61%)
Jim Simons 468,600 sh (-7.97%)
Steven Cohen 9,410 sh (-8.44%)
» More
Q4 2013

CINF Guru Trades in Q4 2013

Steven Cohen 19,794 sh (+110.35%)
Joel Greenblatt 6,841 sh (+3.82%)
Jeremy Grantham 35,700 sh (+1.13%)
Chuck Royce 326,700 sh (unchged)
Jean-Marie Eveillard 9,562,094 sh (-1.24%)
Ken Fisher 204,270 sh (-2%)
Murray Stahl 9,253 sh (-3.06%)
Jim Simons 310,100 sh (-33.82%)
» More
Q1 2014

CINF Guru Trades in Q1 2014

Jim Simons 551,400 sh (+77.81%)
Jean-Marie Eveillard 9,615,811 sh (+0.56%)
Murray Stahl 9,253 sh (unchged)
Chuck Royce 326,700 sh (unchged)
Joel Greenblatt Sold Out
Ken Fisher 197,262 sh (-3.43%)
Jeremy Grantham 31,200 sh (-12.61%)
Steven Cohen 4,296 sh (-78.3%)
» More
Q2 2014

CINF Guru Trades in Q2 2014

Jean-Marie Eveillard 9,669,402 sh (+0.56%)
Murray Stahl 9,253 sh (unchged)
Chuck Royce 326,700 sh (unchged)
Jeremy Grantham 28,900 sh (-7.37%)
Ken Fisher 168,260 sh (-14.7%)
Jim Simons 58,000 sh (-89.48%)
» More
» Details

Insider Trades

Latest Guru Trades with CINF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-03-31 Sold Out 0.01%$45.21 - $52.37 $ 48.090%0
Joel Greenblatt 2013-09-30 New Buy0.01%$45.59 - $50 $ 48.091%6589
Charles Brandes 2012-09-30 Sold Out 0.01%$37.09 - $39.88 $ 48.0925%0
Charles Brandes 2012-06-30 Reduce -39.72%$33.35 - $38.06 $ 48.0936%20588
Charles Brandes 2012-03-31 Reduce -81.08%0.04%$30.45 - $36 $ 48.0953%34153
John Hussman 2011-12-31 Sold Out 0.07%$25.06 - $30.72 $ 48.0969%0
Jean-Marie Eveillard 2011-09-30 Add 7.98%0.12%$24.03 - $29.39 $ 48.0977%12427510
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.60
CINF's P/E(ttm) is ranked higher than
57% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.80 vs. CINF: 18.60 )
CINF' s 10-Year P/E(ttm) Range
Min: 6   Max: 35.27
Current: 18.6

6
35.27
P/B 1.20
CINF's P/B is ranked higher than
63% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.29 vs. CINF: 1.20 )
CINF' s 10-Year P/B Range
Min: 0.67   Max: 1.48
Current: 1.2

0.67
1.48
P/S 1.70
CINF's P/S is ranked lower than
54% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. CINF: 1.70 )
CINF' s 10-Year P/S Range
Min: 0.76   Max: 2.3
Current: 1.7

0.76
2.3
PFCF 8.90
CINF's PFCF is ranked higher than
65% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. CINF: 8.90 )
CINF' s 10-Year PFCF Range
Min: 5.17   Max: 24.33
Current: 8.9

5.17
24.33
EV-to-EBIT 14.41
CINF's EV-to-EBIT is ranked higher than
62% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.44 vs. CINF: 14.41 )
CINF' s 10-Year EV-to-EBIT Range
Min: 5   Max: 35.8
Current: 14.41

5
35.8
PEG 3.88
CINF's PEG is ranked higher than
83% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. CINF: 3.88 )
CINF' s 10-Year PEG Range
Min: 0.13   Max: 39.76
Current: 3.88

0.13
39.76
Shiller P/E 17.70
CINF's Shiller P/E is ranked higher than
64% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.34 vs. CINF: 17.70 )
CINF' s 10-Year Shiller P/E Range
Min: 4.89   Max: 29.79
Current: 17.7

4.89
29.79

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.60
CINF's Dividend Yield is ranked higher than
72% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.40 vs. CINF: 3.60 )
CINF' s 10-Year Dividend Yield Range
Min: 2.22   Max: 8.4
Current: 3.6

2.22
8.4
Dividend Payout 0.66
CINF's Dividend Payout is ranked higher than
57% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.46 vs. CINF: 0.66 )
CINF' s 10-Year Dividend Payout Range
Min: 0.11   Max: 6.37
Current: 0.66

0.11
6.37
Dividend growth (3y) 1.30
CINF's Dividend growth (3y) is ranked higher than
65% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.80 vs. CINF: 1.30 )
CINF' s 10-Year Dividend growth (3y) Range
Min: 1   Max: 14.3
Current: 1.3

1
14.3
Yield on cost (5-Year) 3.84
CINF's Yield on cost (5-Year) is ranked higher than
63% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.03 vs. CINF: 3.84 )
CINF' s 10-Year Yield on cost (5-Year) Range
Min: 2.37   Max: 8.96
Current: 3.84

2.37
8.96
Share Buyback Rate -0.40
CINF's Share Buyback Rate is ranked higher than
71% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. CINF: -0.40 )
CINF' s 10-Year Share Buyback Rate Range
Min: 2.7   Max: -0.4
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
CINF's Price/Tangible Book is ranked higher than
78% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.54 vs. CINF: 1.20 )
CINF' s 10-Year Price/Tangible Book Range
Min: 0.87   Max: 1.75
Current: 1.2

0.87
1.75
Price/DCF (Projected) 0.80
CINF's Price/DCF (Projected) is ranked higher than
73% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. CINF: 0.80 )
CINF' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 0.89
Current: 0.8

0.39
0.89
Price/Median PS Value 1.00
CINF's Price/Median PS Value is ranked higher than
80% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. CINF: 1.00 )
CINF' s 10-Year Price/Median PS Value Range
Min: 0.55   Max: 2.45
Current: 1

0.55
2.45
Price/Graham Number 1.00
CINF's Price/Graham Number is ranked higher than
70% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.94 vs. CINF: 1.00 )
CINF' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 1.87
Current: 1

0.56
1.87
Earnings Yield (Greenblatt) 6.90
CINF's Earnings Yield (Greenblatt) is ranked higher than
51% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.00 vs. CINF: 6.90 )
CINF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.8   Max: 20.2
Current: 6.9

2.8
20.2
Forward Rate of Return (Yacktman) 9.76
CINF's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. CINF: 9.76 )
CINF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -12.1   Max: 64.4
Current: 9.76

-12.1
64.4

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:CCJ.Germany
Cincinnati Financial Corporation is an Ohio corporation formed in 1968. The Company's main business is property casualty insurance marketed through independent insurance agents in 39 states. The Company owned 100 percent of three subsidiaries: The Cincinnati Insurance Company, CSU Producer Resources Inc. and CFC Investment Company. The Company's standard market property casualty insurance group includes two of those subsidiaries: The Cincinnati Casualty Company and The Cincinnati Indemnity Company. This group writes a range of business, homeowner and auto policies. Other subsidiaries of The Cincinnati Insurance Company include The Cincinnati Life Insurance Company, which provides life insurance, disability income policies and annuities and The Cincinnati Specialty Underwriters Insurance Company, which began offering excess and surplus lines insurance products in January 2008. The two non-insurance subsidiaries of Cincinnati Financial are CSU Producer Resources, which offers insurance brokerage services to its independent agencies so their clients could access its excess and surplus lines insurance products; and CFC Investment Company, which offers commercial leasing and financing services to its agents, their clients and other customers. It operates mainly five reporting segments: Commercial lines property casualty insurance; Personal lines property casualty insurance; Excess and surplus lines property casualty insurance; Life insurance and Investment operations. The commercial lines property casualty insurance segment contributed net earned premiums of $2.197 billion to total revenues, or 57.8 percent of that total and reported a loss before income taxes of $101 million in 2011. The seven commercial business lines are: Commercial casualty, Commercial property, Commercial auto, Workers' compensation, Specialty packages, Surety and executive risk and Machinery and equipment. The personal lines property casualty insurance segment contributed net earned premiums of $762 million to total revenues, or 20.0 percent of the total and reported a loss before income taxes of $181 million in 2011. It provides line of business data to summarize growth and profitability trends separately for three business lines: Personal auto, Homeowners and Other personal lines. The excess and surplus lines property casualty segment contributed net earned premiums of $70 million to consolidated total revenues, or 1.8 percent of the total, and reported profit before income taxes of $6 million in 2011, its fourth year of operation. The life insurance segment contributed $165 million of net earned premiums, representing 4.3 percent of consolidated total revenues, and negative $3 million of income before income taxes in 2011. The Company mainly focuses on life products that produce revenue growth through a steady stream of premium payments. Four lines of business: term insurance, universal life insurance, worksite products and whole life insurance. The Company i
» More Articles for CINF

Headlines

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