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Cincinnati FinancialCINF -0.66%71 EV-to-EBIT is 6.54 as of Jul. 29, 2026, which is 35% below its 10-year median of 10.12. GuruFocus rates CINF with a GF Score™ of 71/100 and a GF Value™ of $165.53 (Fairly Valued). The stock has 5 warning signs investors should review. Among 345 Insurance companies, Cincinnati Financial ranks better than 56.52% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Cincinnati Financial's Enterprise Value for the quarter that ended in Jun. 2026 was $27,952 Mil.
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.
* 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 EV-to-EBIT Related Terms
Cincinnati Financial EV-to-EBIT Historical Data
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The historical data trend for Cincinnati Financial's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's EV-to-EBIT falls into.
Cincinnati Financial's current Enterprise Value is $27,504 Mil.
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.
* 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 EV-to-EBIT of 6.54 as of Jul. 29, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Cincinnati Financial and its competitors. This is 35% below median its historical median of 10.12. According to the industry distribution chart, Cincinnati Financial ranks #150 out of 345 companies in the Insurance industry, placing it in the top 43.5%.
Is Cincinnati Financial's EV-to-EBIT too high?
Cincinnati Financial's current EV-to-EBIT of 6.54 is 35% below median its 10-year median of 10.12. The Insurance industry median EV-to-EBIT is 8.74. Cincinnati Financial's value of 6.54 is 25.2% below this industry median. Based on the distribution chart, Cincinnati Financial ranks #150 out of 345 companies in the Insurance industry, which is above the industry midpoint. 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 EV-to-EBIT compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #150 out of 345 companies for EV-to-EBIT. This puts Cincinnati Financial in the upper half of its industry. The industry median EV-to-EBIT is 8.74. Cincinnati Financial's value of 6.54 is 25.2% below this benchmark. While the company's 10-year median is 10.12 vs. the industry median of 8.74, 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.74, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current EV-to-EBIT of 6.54 is 25.2% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current EV-to-EBIT is 6.54, which is 35% below median its own 10-year median of 10.12. 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 $165.53, compared to a current price of $181.29 — trading 9.5% above its estimated fair value. The current EV-to-EBIT is 6.54, which is 35% below median its 10-year median of 10.12 and 25.2% below the Insurance industry median of 8.74. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current EV-to-EBIT is 6.54 as of Jul. 29, 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 $181.29 is trading 9.5% above its estimated GF Value™ of $165.53.
GuruFocus considers Cincinnati Financial to be Fairly Valued.
Key valuation signals for CINF:
EV-to-EBIT: 6.54 (35% below median its 10-year median of 10.12)
GF Value™: $165.53 vs. price of $181.29 (9.5% above fair value)
Industry Position: 25.2% below the Insurance median (#150 of 345)
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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