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Cincinnati FinancialCINF -1.20%74 Earnings Yield (Joel Greenblatt) % is 15.27% as of Jun. 2026, which is 84% above its 10-year median of 8.31. GuruFocus rates CINF with a GF Score™ of 74/100 and a GF Value™ of $179.15 (Fairly Valued). The stock has 5 warning signs investors should review. Among 515 Insurance companies, Cincinnati Financial ranks better than 80.19% on this metric.
Cincinnati Financial's Enterprise Value for the quarter that ended in Jun. 2026 was $27,543 Mil.
Cincinnati Financial's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was $4,208 Mil. Cincinnati Financial's Earnings Yield (Joel Greenblatt) for the quarter that ended in Jun. 2026 was 15.27%.
The historical rank and industry rank for Cincinnati Financial's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
CINF'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: -4.06 Med: 8.31 Max: 23.09
Current: 16.03
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of Cincinnati Financial was 23.09%. The lowest was -4.06%. And the median was 8.31%.
CINF's Earnings Yield (Joel Greenblatt) % is ranked better than 80.19% of 515
companies
in the Insurance industry
Industry Median: 6.86
vs CINF: 16.03
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Cincinnati Financial's Forward Rate of Return (Yacktman) % for the quarter that ended in Jun. 2026 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Cincinnati Financial Earnings Yield (Joel Greenblatt) % Related Terms
Cincinnati Financial Earnings Yield (Joel Greenblatt) % Historical Data
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The historical data trend for Cincinnati Financial's Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's Earnings Yield (Joel Greenblatt) % falls into.
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Cincinnati Financials Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
Cincinnati Financial's EBIT 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 $4,208 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 15.27% mean?
Cincinnati Financial (CINF) has a Earnings Yield (Joel Greenblatt) % of 15.27% as of Jun. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Cincinnati Financial and its competitors. This is 84% above median its historical median of 8.31. According to the industry distribution chart, Cincinnati Financial ranks #102 out of 515 companies in the Insurance industry, placing it in the top 19.8%.
Is Cincinnati Financial's Earnings Yield (Joel Greenblatt) % too high?
Cincinnati Financial's current Earnings Yield (Joel Greenblatt) % of 15.27% is 84% above median its 10-year median of 8.31. The Insurance industry median Earnings Yield (Joel Greenblatt) % is 6.86. Cincinnati Financial's value of 15.27% is 122.6% above this industry median. Based on the distribution chart, Cincinnati Financial ranks #102 out of 515 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 Yield (Joel Greenblatt) % compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #102 out of 515 companies for Earnings Yield (Joel Greenblatt) %. This places Cincinnati Financial in the top 20% of its industry — outperforming the majority of peers. The industry median Earnings Yield (Joel Greenblatt) % is 6.86. Cincinnati Financial's value of 15.27% is 122.6% above this benchmark. While the company's 10-year median is 8.31 vs. the industry median of 6.86, Cincinnati Financial has consistently been above 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 Earnings Yield (Joel Greenblatt) % for an Insurance company?
The median Earnings Yield (Joel Greenblatt) % among Insurance companies is 6.86, based on 515 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current Earnings Yield (Joel Greenblatt) % of 15.27% is 122.6% 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 Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median Earnings Yield (Joel Greenblatt) % is 6.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current Earnings Yield (Joel Greenblatt) % is 15.27%, which is 84% above median its own 10-year median of 8.31. 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 $179.15, compared to a current price of $176.86 — trading 1.3% below its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 15.27%, which is 84% above median its 10-year median of 8.31 and 122.6% above the Insurance industry median of 6.86. Cincinnati Financial's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current Earnings Yield (Joel Greenblatt) % is 15.27% 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 $176.86 is trading 1.3% below its estimated GF Value™ of $179.15.
GuruFocus considers Cincinnati Financial to be Fairly Valued.
Key valuation signals for CINF:
Earnings Yield (Joel Greenblatt) %: 15.27% (84% above median its 10-year median of 8.31)
GF Value™: $179.15 vs. price of $176.86 (1.3% below fair value)
Industry Position: 122.6% above the Insurance median (#102 of 515)
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 Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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