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Cincinnati Financial's EPS (Basic) for the
three
months ended in Jun. 2026 was $8.14.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2026 was $21.44.
During the past 12 months, Cincinnati Financial's average EPS without NRIGrowth Rate was 49.70% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 52.90% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 27.50% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 12.90% per year.
During the past 13 years, Cincinnati Financial's highest 3-Year average EPS without NRI Growth Rate was 59.90% per year. The lowest was -27.20% per year. And the median was 8.40% per year.
Cincinnati Financial (NAS:CINF) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Cincinnati Financial Earnings per Share (Diluted) Related Terms
Cincinnati Financial Earnings per Share (Diluted) Historical Data
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The historical data trend for Cincinnati Financial's Earnings per Share (Diluted) 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.
Cincinnati Financial Earnings per Share (Diluted) Chart
CINF vs WRB, MKL, L: Earnings per Share (Diluted) Comparison
For the Insurance - Property & Casualty subindustry, Cincinnati Financial's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's PE Ratio distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's PE Ratio falls into.
Cincinnati Financial Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Cincinnati Financial's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $21.20
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $21.20 mean?
Cincinnati Financial (CINF) has a Earnings per Share (Diluted) of $21.20 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Cincinnati Financial and its competitors. According to the industry distribution chart, Cincinnati Financial ranks #62 out of 400 companies in the Insurance industry, placing it in the top 15.5%.
Is Cincinnati Financial's Earnings per Share (Diluted) too high?
Cincinnati Financial's current Earnings per Share (Diluted) is $21.20. The Insurance industry median Earnings per Share (Diluted) is 16.45. Cincinnati Financial's value of $21.20 is 28.9% above this industry median. Based on the distribution chart, Cincinnati Financial ranks #62 out of 400 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 Earnings per Share (Diluted) compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #62 out of 400 companies for Earnings per Share (Diluted). This places Cincinnati Financial in the top 16% of its industry — outperforming the majority of peers. The industry median Earnings per Share (Diluted) is 16.45. Cincinnati Financial's value of $21.20 is 28.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for an Insurance company?
The median Earnings per Share (Diluted) among Insurance companies is 16.45, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current Earnings per Share (Diluted) of $21.20 is 28.9% above 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median Earnings per Share (Diluted) is 16.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current Earnings per Share (Diluted) is $21.20. 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 $177.60, compared to a current price of $168.49 — trading 5.1% below its estimated fair value. The current Earnings per Share (Diluted) is $21.20 and 28.9% above the Insurance industry median of 16.45. Cincinnati Financial's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current Earnings per Share (Diluted) is $21.20 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 undervalued.
The current stock price of $168.49 is trading 5.1% below its estimated GF Value™ of $177.60.
GuruFocus considers Cincinnati Financial to be Fairly Valued.
Key valuation signals for CINF:
Earnings per Share (Diluted): $21.20
GF Value™: $177.60 vs. price of $168.49 (5.1% below fair value)
Industry Position: 28.9% above the Insurance median (#62 of 400)
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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Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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