Cincinnati FinancialCINF +1.49%71 EBITDA Margin % is 13.24% as of Mar. 2026, which is 43% below its 10-year median of 23.22. GuruFocus rates CINF with a GF Score™ of 71/100 and a GF Value™ of $164.42 (Fairly Valued). The stock has 5 warning signs investors should review. Among 371 Insurance companies, Cincinnati Financial ranks better than 79.51% on this metric.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Cincinnati Financial EBITDA Margin % Related Terms
Cincinnati Financial EBITDA Margin % Historical Data
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The historical data trend for Cincinnati Financial's EBITDA Margin % 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 EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's EBITDA Margin % 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 EBITDA Margin % of 13.24% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Cincinnati Financial and its competitors. This is 43% below median its historical median of 23.22. According to the industry distribution chart, Cincinnati Financial ranks #76 out of 371 companies in the Insurance industry, placing it in the top 20.5%.
Is Cincinnati Financial's EBITDA Margin % too high?
Cincinnati Financial's current EBITDA Margin % of 13.24% is 43% below median its 10-year median of 23.22. The Insurance industry median EBITDA Margin % is 14.91. Cincinnati Financial's value of 13.24% is 11.2% below this industry median. Based on the distribution chart, Cincinnati Financial ranks #76 out of 371 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cincinnati Financial's EBITDA Margin % compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #76 out of 371 companies for EBITDA Margin %. This places Cincinnati Financial in the top 21% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 14.91. Cincinnati Financial's value of 13.24% is 11.2% below this benchmark. While the company's 10-year median is 23.22 vs. the industry median of 14.91, 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 EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.91, based on 371 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current EBITDA Margin % of 13.24% is 11.2% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current EBITDA Margin % is 13.24%, which is 43% below median its own 10-year median of 23.22. 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 $164.42, compared to a current price of $178.43 — trading 8.5% above its estimated fair value. The current EBITDA Margin % is 13.24%, which is 43% below median its 10-year median of 23.22 and 11.2% below the Insurance industry median of 14.91. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current EBITDA Margin % is 13.24% 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 $178.43 is trading 8.5% above its estimated GF Value™ of $164.42.
GuruFocus considers Cincinnati Financial to be Fairly Valued.
Key valuation signals for CINF:
EBITDA Margin %: 13.24% (43% below median its 10-year median of 23.22)
GF Value™: $164.42 vs. price of $178.43 (8.5% above fair value)
Industry Position: 11.2% below the Insurance median (#76 of 371)
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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