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Cincinnati FinancialCINF +1.67%74 Debt-to-Equity is 0.05 as of Jun. 2026, which is 38% below its 10-year median of 0.08. GuruFocus rates CINF with a GF Score™ of 74/100 and a GF Value™ of $175.88 (Fairly Valued). The stock has 4 warning signs investors should review. Among 404 Insurance companies, Cincinnati Financial ranks better than 77.97% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Cincinnati Financial's Debt-to-Equity or its related term are showing as below:
CINF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.08 Max: 0.12
Current: 0.05
During the past 13 years, the highest Debt-to-Equity Ratio of Cincinnati Financial was 0.12. The lowest was 0.05. And the median was 0.08.
CINF's Debt-to-Equity is ranked better than 77.97% of 404
companies
in the Insurance industry
Industry Median: 0.2
vs CINF: 0.05
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Cincinnati Financial Debt-to-Equity Related Terms
Cincinnati Financial Debt-to-Equity Historical Data
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The historical data trend for Cincinnati Financial's Debt-to-Equity 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-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's Debt-to-Equity 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.
Cincinnati Financial (CINF) has a Debt-to-Equity of 0.05 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Cincinnati Financial and its competitors. This is 38% below median its historical median of 0.08. Over the past decade, Cincinnati Financial's Debt-to-Equity has ranged from 0.05 to 0.12. According to the industry distribution chart, Cincinnati Financial ranks #89 out of 404 companies in the Insurance industry, placing it in the top 22%.
Is Cincinnati Financial's Debt-to-Equity too high?
Cincinnati Financial's current Debt-to-Equity of 0.05 is 38% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.12. The Insurance industry median Debt-to-Equity is 0.20. Cincinnati Financial's value of 0.05 is 75% below this industry median. Based on the distribution chart, Cincinnati Financial ranks #89 out of 404 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 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cincinnati Financial's Debt-to-Equity compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #89 out of 404 companies for Debt-to-Equity. This places Cincinnati Financial in the top 22% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.20. Cincinnati Financial's value of 0.05 is 75% below this benchmark. Historically, Cincinnati Financial's own Debt-to-Equity has ranged from 0.05 to 0.12 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.20, 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 404 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current Debt-to-Equity of 0.05 is 75% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current Debt-to-Equity is 0.05, which is 38% below median its own 10-year median of 0.08. 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 Fairly Valued. The stock's GF Value™ is $175.88, compared to a current price of $177.73 — trading 1.1% above its estimated fair value. The current Debt-to-Equity is 0.05, which is 38% below median its 10-year median of 0.08 and 75% below the Insurance industry median of 0.20. Cincinnati Financial's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current Debt-to-Equity is 0.05 as of Jun. 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 $177.73 is trading 1.1% above its estimated GF Value™ of $175.88.
GuruFocus considers Cincinnati Financial to be Fairly Valued.
Key valuation signals for CINF:
Debt-to-Equity: 0.05 (38% below median its 10-year median of 0.08)
GF Value™: $175.88 vs. price of $177.73 (1.1% above fair value)
Industry Position: 75% below the Insurance median (#89 of 404)
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.
74GF Score
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