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Cincinnati FinancialCINF -3.62%73 EV-to-EBITDA is 5.94 as of Jul. 31, 2026, which is 47% below its 10-year median of 11.12. GuruFocus rates CINF with a GF Score™ of 73/100 and a GF Value™ of $175.54 (Fairly Valued). The stock has 3 warning signs investors should review. Among 346 Insurance companies, Cincinnati Financial ranks better than 65.03% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Cincinnati Financial's enterprise value is $25,949 Mil.
Cincinnati Financial's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was $4,365 Mil. Therefore, Cincinnati Financial's EV-to-EBITDA for today is 5.94.
The historical rank and industry rank for Cincinnati Financial's EV-to-EBITDA or its related term are showing as below:
CINF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -38.15 Med: 11.12 Max: 176.01
Current: 5.94
During the past 13 years, the highest EV-to-EBITDA of Cincinnati Financial was 176.01. The lowest was -38.15. And the median was 11.12.
CINF's EV-to-EBITDA is ranked better than 65.03% of 346
companies
in the Insurance industry
Industry Median: 8.37
vs CINF: 5.94
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Cincinnati Financial's PE Ratio (TTM) for today is calculated as:
Cincinnati Financial's share price for today is $174.77.
Cincinnati Financial's 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 $21.200.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Cincinnati Financial's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's EV-to-EBITDA falls into.
Cincinnati Financial's current Enterprise Value is $25,949 Mil.
Cincinnati Financial's EBITDA 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 $4,365 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-EBITDA of 5.94 as of Jul. 31, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Cincinnati Financial. This is 47% below median its historical median of 11.12. According to the industry distribution chart, Cincinnati Financial ranks #121 out of 346 companies in the Insurance industry, placing it in the top 35%.
Is Cincinnati Financial's EV-to-EBITDA too high?
Cincinnati Financial's current EV-to-EBITDA of 5.94 is 47% below median its 10-year median of 11.12. The Insurance industry median EV-to-EBITDA is 8.37. Cincinnati Financial's value of 5.94 is 29% below this industry median. Based on the distribution chart, Cincinnati Financial ranks #121 out of 346 companies in the Insurance industry, which is above the industry midpoint. Overall, Cincinnati Financial has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cincinnati Financial's EV-to-EBITDA compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #121 out of 346 companies for EV-to-EBITDA. This puts Cincinnati Financial in the upper half of its industry. The industry median EV-to-EBITDA is 8.37. Cincinnati Financial's value of 5.94 is 29% below this benchmark. While the company's 10-year median is 11.12 vs. the industry median of 8.37, 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-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.37, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current EV-to-EBITDA of 5.94 is 29% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Cincinnati Financial. For the Insurance industry, the median EV-to-EBITDA is 8.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current EV-to-EBITDA is 5.94, which is 47% below median its own 10-year median of 11.12. 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 $175.54, compared to a current price of $174.77 — trading 0.4% below its estimated fair value. The current EV-to-EBITDA is 5.94, which is 47% below median its 10-year median of 11.12 and 29% below the Insurance industry median of 8.37. Cincinnati Financial's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current EV-to-EBITDA is 5.94 as of Jul. 31, 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 $174.77 is trading 0.4% below its estimated GF Value™ of $175.54.
GuruFocus considers Cincinnati Financial to be Fairly Valued.
Key valuation signals for CINF:
EV-to-EBITDA: 5.94 (47% below median its 10-year median of 11.12)
GF Value™: $175.54 vs. price of $174.77 (0.4% below fair value)
Industry Position: 29% below the Insurance median (#121 of 346)
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.
73GF Score
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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