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Cincinnati FinancialCINF +1.91%71 Debt-to-EBITDA is 0.58 as of Mar. 2026, which is 66% above its 10-year median of 0.35. GuruFocus rates CINF with a GF Score™ of 71/100 and a GF Value™ of $165.41 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 320 Insurance companies, Cincinnati Financial ranks better than 80.62% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Cincinnati Financial's Debt-to-EBITDA or its related term are showing as below:
CINF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.73 Med: 0.35 Max: 2.36
Current: 0.24
During the past 13 years, the highest Debt-to-EBITDA Ratio of Cincinnati Financial was 2.36. The lowest was -1.73. And the median was 0.35.
CINF's Debt-to-EBITDA is ranked better than 80.62% of 320
companies
in the Insurance industry
Industry Median: 1.175
vs CINF: 0.24
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Cincinnati Financial Debt-to-EBITDA Related Terms
Cincinnati Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Cincinnati Financial's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, Cincinnati Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Cincinnati Financial Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Cincinnati Financial (CINF) has a Debt-to-EBITDA of 0.58 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Cincinnati Financial. This is 66% above median its historical median of 0.35. According to the industry distribution chart, Cincinnati Financial ranks #62 out of 320 companies in the Insurance industry, placing it in the top 19.4%.
Is Cincinnati Financial's Debt-to-EBITDA too high?
Cincinnati Financial's current Debt-to-EBITDA of 0.58 is 66% above median its 10-year median of 0.35. The Insurance industry median Debt-to-EBITDA is 1.18. Cincinnati Financial's value of 0.58 is 50.6% below this industry median. Based on the distribution chart, Cincinnati Financial ranks #62 out of 320 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Cincinnati Financial has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cincinnati Financial's Debt-to-EBITDA compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #62 out of 320 companies for Debt-to-EBITDA. This places Cincinnati Financial in the top 19% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.18. Cincinnati Financial's value of 0.58 is 50.6% below this benchmark. While the company's 10-year median is 0.35 vs. the industry median of 1.18, Cincinnati Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.18, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current Debt-to-EBITDA of 0.58 is 50.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Cincinnati Financial. For the Insurance industry, the median Debt-to-EBITDA is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current Debt-to-EBITDA is 0.58, which is 66% above median its own 10-year median of 0.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cincinnati Financial stock overvalued right now?
Based on GuruFocus' analysis, Cincinnati Financial (CINF) is currently considered Modestly Overvalued. The stock's GF Value™ is $165.41, compared to a current price of $182.81 — trading 10.5% above its estimated fair value. The current Debt-to-EBITDA is 0.58, which is 66% above median its 10-year median of 0.35 and 50.6% below the Insurance industry median of 1.18. Cincinnati Financial's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current Debt-to-EBITDA is 0.58 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Cincinnati Financial (CINF) Overvalued in 2026?
Based on GuruFocus' analysis, Cincinnati Financial stock appears to be overvalued.
The current stock price of $182.81 is trading 10.5% above its estimated GF Value™ of $165.41.
GuruFocus considers Cincinnati Financial to be Modestly Overvalued.
Key valuation signals for CINF:
Debt-to-EBITDA: 0.58 (66% above median its 10-year median of 0.35)
GF Value™: $165.41 vs. price of $182.81 (10.5% above fair value)
Industry Position: 50.6% below the Insurance median (#62 of 320)
No single metric tells the full story. See the CINF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cincinnati Financial Corp 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 company operates in segments: Commercial lines insurance, Personal lines insurance, Excess and surplus lines insurance, Life insurance, and Investments. The vast majority of the company's revenue is generated through commercial lines, followed by personal lines.
71GF Score
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