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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.65
NAS:CINF's Cash-to-Debt is ranked lower than
69% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. NAS:CINF: 0.65 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:CINF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.55 Max: N/A
Current: 0.65
Equity-to-Asset 0.35
NAS:CINF's Equity-to-Asset is ranked higher than
70% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NAS:CINF: 0.35 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:CINF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.3  Med: 0.39 Max: 0.51
Current: 0.35
0.3
0.51
Interest Coverage 15.53
NAS:CINF's Interest Coverage is ranked lower than
60% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 34.80 vs. NAS:CINF: 15.53 )
Ranked among companies with meaningful Interest Coverage only.
NAS:CINF' s Interest Coverage Range Over the Past 10 Years
Min: 3.2  Med: 11.9 Max: 22.92
Current: 15.53
3.2
22.92
WACC vs ROIC
6.95%
8.34%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating Margin % 14.68
NAS:CINF's Operating Margin % is ranked higher than
75% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. NAS:CINF: 14.68 )
Ranked among companies with meaningful Operating Margin % only.
NAS:CINF' s Operating Margin % Range Over the Past 10 Years
Min: 4.55  Med: 14.74 Max: 27.99
Current: 14.68
4.55
27.99
Net Margin % 10.77
NAS:CINF's Net Margin % is ranked higher than
71% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.61 vs. NAS:CINF: 10.77 )
Ranked among companies with meaningful Net Margin % only.
NAS:CINF' s Net Margin % Range Over the Past 10 Years
Min: 4.31  Med: 10.96 Max: 20.08
Current: 10.77
4.31
20.08
ROE % 8.59
NAS:CINF's ROE % is ranked lower than
51% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. NAS:CINF: 8.59 )
Ranked among companies with meaningful ROE % only.
NAS:CINF' s ROE % Range Over the Past 10 Years
Min: 3.26  Med: 8.63 Max: 13.43
Current: 8.59
3.26
13.43
ROA % 2.98
NAS:CINF's ROA % is ranked higher than
62% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. NAS:CINF: 2.98 )
Ranked among companies with meaningful ROA % only.
NAS:CINF' s ROA % Range Over the Past 10 Years
Min: 1.07  Med: 2.95 Max: 5.05
Current: 2.98
1.07
5.05
3-Year Revenue Growth Rate 6.10
NAS:CINF's 3-Year Revenue Growth Rate is ranked higher than
52% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.10 vs. NAS:CINF: 6.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:CINF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.6  Med: 7.5 Max: 13.3
Current: 6.1
-2.6
13.3
3-Year EBITDA Growth Rate 3.50
NAS:CINF's 3-Year EBITDA Growth Rate is ranked higher than
56% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.80 vs. NAS:CINF: 3.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:CINF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -26.3  Med: 10.8 Max: 49.8
Current: 3.5
-26.3
49.8
3-Year EPS without NRI Growth Rate 4.40
NAS:CINF's 3-Year EPS without NRI Growth Rate is ranked higher than
58% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.90 vs. NAS:CINF: 4.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:CINF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -27.2  Med: 9 Max: 46.8
Current: 4.4
-27.2
46.8
GuruFocus has detected 1 Warning Sign with Cincinnati Financial Corp $NAS:CINF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:CINF's 30-Y Financials

Financials (Next Earnings Date: 2017-10-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:OTCPK:IAUGY, NYSE:XL, OTCPK:QBIEY, NYSE:CNA, OTCPK:FRFHF, NYSE:MKL, OTCPK:IFCZF, NYSE:Y, OTCPK:SNMCY, NYSE:AFG, NYSE:WRB, OTCPK:RSNAY, OTCPK:AGESY, NYSE:L, OTCPK:AMIGY, NYSE:ENH, NYSE:AXS, OTCPK:HCXLF, NYSE:AWH, NYSE:WTM » details
Traded in other countries:CCJ.Germany,
Headquarter Location:USA
Cincinnati Financial Corp is a property casualty insurance company. Its operating segments are Commercial lines insurance, Personal lines insurance, Excess and surplus lines insurance, Life insurance and Investments.

Cincinnati Financial is a property and casualty insurance company that generates income through written premiums. A select group of independent agencies actively markets the company's business, home, and automotive insurance within their communities. These agents offer the company's personal lines as well as its standard market, excess, and surplus commercial line policies in many regions in the United States. Cincinnati Financial also offers leasing and financing services. The vast majority of the company's revenue is generated through commercial lines, followed by personal lines.

Ratios

vs
industry
vs
history
PE Ratio 19.82
NAS:CINF's PE Ratio is ranked lower than
67% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. NAS:CINF: 19.82 )
Ranked among companies with meaningful PE Ratio only.
NAS:CINF' s PE Ratio Range Over the Past 10 Years
Min: 6.03  Med: 14.42 Max: 35.41
Current: 19.82
6.03
35.41
Forward PE Ratio 25.45
NAS:CINF's Forward PE Ratio is ranked lower than
84% of the 45 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. NAS:CINF: 25.45 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 19.82
NAS:CINF's PE Ratio without NRI is ranked lower than
67% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.65 vs. NAS:CINF: 19.82 )
Ranked among companies with meaningful PE Ratio without NRI only.
NAS:CINF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.03  Med: 14.42 Max: 35.41
Current: 19.82
6.03
35.41
Price-to-Owner-Earnings 10.72
NAS:CINF's Price-to-Owner-Earnings is ranked higher than
56% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.58 vs. NAS:CINF: 10.72 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NAS:CINF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.81  Med: 9.22 Max: 25.89
Current: 10.72
4.81
25.89
PB Ratio 1.63
NAS:CINF's PB Ratio is ranked lower than
61% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. NAS:CINF: 1.63 )
Ranked among companies with meaningful PB Ratio only.
NAS:CINF' s PB Ratio Range Over the Past 10 Years
Min: 0.67  Med: 1.18 Max: 1.82
Current: 1.63
0.67
1.82
PS Ratio 2.14
NAS:CINF's PS Ratio is ranked lower than
79% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. NAS:CINF: 2.14 )
Ranked among companies with meaningful PS Ratio only.
NAS:CINF' s PS Ratio Range Over the Past 10 Years
Min: 0.76  Med: 1.66 Max: 2.4
Current: 2.14
0.76
2.4
Price-to-Free-Cash-Flow 12.46
NAS:CINF's Price-to-Free-Cash-Flow is ranked lower than
58% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.83 vs. NAS:CINF: 12.46 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NAS:CINF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.18  Med: 10.87 Max: 24.29
Current: 12.46
5.18
24.29
Price-to-Operating-Cash-Flow 12.31
NAS:CINF's Price-to-Operating-Cash-Flow is ranked lower than
59% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.68 vs. NAS:CINF: 12.31 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NAS:CINF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.81  Med: 10.53 Max: 23.62
Current: 12.31
4.81
23.62
EV-to-EBIT 13.87
NAS:CINF's EV-to-EBIT is ranked lower than
67% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.52 vs. NAS:CINF: 13.87 )
Ranked among companies with meaningful EV-to-EBIT only.
NAS:CINF' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.6  Med: 10.6 Max: 27.8
Current: 13.87
4.6
27.8
EV-to-EBITDA 13.12
NAS:CINF's EV-to-EBITDA is ranked lower than
73% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.49 vs. NAS:CINF: 13.12 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAS:CINF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.4  Med: 9.9 Max: 23.5
Current: 13.12
4.4
23.5
PEG Ratio 0.87
NAS:CINF's PEG Ratio is ranked higher than
50% of the 60 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. NAS:CINF: 0.87 )
Ranked among companies with meaningful PEG Ratio only.
NAS:CINF' s PEG Ratio Range Over the Past 10 Years
Min: 0.15  Med: 0.81 Max: 186.22
Current: 0.87
0.15
186.22
Shiller PE Ratio 22.29
NAS:CINF's Shiller PE Ratio is ranked lower than
73% of the 59 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.56 vs. NAS:CINF: 22.29 )
Ranked among companies with meaningful Shiller PE Ratio only.
NAS:CINF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.56  Med: 13.72 Max: 24.59
Current: 22.29
6.56
24.59

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.73
NAS:CINF's Dividend Yield % is ranked higher than
52% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. NAS:CINF: 2.73 )
Ranked among companies with meaningful Dividend Yield % only.
NAS:CINF' s Dividend Yield % Range Over the Past 10 Years
Min: 2.44  Med: 3.59 Max: 8.4
Current: 2.73
2.44
8.4
Dividend Payout Ratio 0.53
NAS:CINF's Dividend Payout Ratio is ranked lower than
53% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.37 vs. NAS:CINF: 0.53 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NAS:CINF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.29  Med: 0.57 Max: 1.59
Current: 0.53
0.29
1.59
3-Year Dividend Growth Rate 5.10
NAS:CINF's 3-Year Dividend Growth Rate is ranked lower than
75% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. NAS:CINF: 5.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NAS:CINF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 1  Med: 10.9 Max: 19
Current: 5.1
1
19
Forward Dividend Yield % 2.81
NAS:CINF's Forward Dividend Yield % is ranked higher than
51% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. NAS:CINF: 2.81 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.31
NAS:CINF's 5-Year Yield-on-Cost % is ranked lower than
84% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.51 vs. NAS:CINF: 3.31 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NAS:CINF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.95  Med: 4.35 Max: 10.17
Current: 3.31
2.95
10.17
3-Year Average Share Buyback Ratio 6.00
NAS:CINF's 3-Year Average Share Buyback Ratio is ranked higher than
91% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. NAS:CINF: 6.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NAS:CINF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.9  Med: 0.1 Max: 6
Current: 6
-6.9
6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.63
NAS:CINF's Price-to-Tangible-Book is ranked higher than
50% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.62 vs. NAS:CINF: 1.63 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NAS:CINF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.87  Med: 1.2 Max: 1.77
Current: 1.63
0.87
1.77
Price-to-Intrinsic-Value-Projected-FCF 0.86
NAS:CINF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
55% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. NAS:CINF: 0.86 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NAS:CINF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.65 Max: 1.11
Current: 0.86
0.39
1.11
Price-to-Median-PS-Value 1.28
NAS:CINF's Price-to-Median-PS-Value is ranked lower than
73% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. NAS:CINF: 1.28 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NAS:CINF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.41  Med: 1.11 Max: 2.48
Current: 1.28
0.41
2.48
Price-to-Peter-Lynch-Fair-Value 1.24
NAS:CINF's Price-to-Peter-Lynch-Fair-Value is ranked lower than
51% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. NAS:CINF: 1.24 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
NAS:CINF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.29  Med: 1.07 Max: 3.64
Current: 1.24
0.29
3.64
Price-to-Graham-Number 1.20
NAS:CINF's Price-to-Graham-Number is ranked lower than
59% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. NAS:CINF: 1.20 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NAS:CINF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.53  Med: 0.9 Max: 1.96
Current: 1.2
0.53
1.96
Earnings Yield (Greenblatt) % 7.21
NAS:CINF's Earnings Yield (Greenblatt) % is ranked lower than
60% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.44 vs. NAS:CINF: 7.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NAS:CINF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.6  Med: 9.5 Max: 21.9
Current: 7.21
3.6
21.9
Forward Rate of Return (Yacktman) % 23.27
NAS:CINF's Forward Rate of Return (Yacktman) % is ranked higher than
61% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.64 vs. NAS:CINF: 23.27 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
NAS:CINF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -12.2  Med: 13.45 Max: 64.7
Current: 23.27
-12.2
64.7

More Statistics

Revenue (TTM) (Mil) $5,608.00
EPS (TTM) $ 3.63
Beta0.83
Short Percentage of Float2.70%
52-Week Range $68.11 - 79.60
Shares Outstanding (Mil)164.69

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.80 3.05
EPS without NRI ($) 2.80 3.05
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 2.00 2.04

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