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Cincinnati FinancialCINF -0.43%74 EV-to-OCF is 7.49 as of Aug. 12, 2026, which is 24% below its 10-year median of 9.85. GuruFocus rates CINF with a GF Score™ of 74/100 and a GF Value™ of $179.64 (Fairly Valued). The stock has 4 warning signs investors should review. Among 505 Insurance companies, Cincinnati Financial ranks worse than 55.45% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Cincinnati Financial's Enterprise Value is $25,596 Mil.
Cincinnati Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $3,417 Mil. Therefore, Cincinnati Financial's EV-to-OCF for today is 7.49.
The historical rank and industry rank for Cincinnati Financial's EV-to-OCF or its related term are showing as below:
CINF'
s EV-to-OCF Range Over the Past 10 Years
Min: 7.06 Med: 9.85 Max: 16.1
Current: 7.49
During the past 13 years, the highest EV-to-OCF of Cincinnati Financial was 16.10. The lowest was 7.06. And the median was 9.85.
CINF's EV-to-OCF is ranked worse than 55.45% of 505
companies
in the Insurance industry
Industry Median: 6.57
vs CINF: 7.49
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $172.47.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Cincinnati Financial EV-to-OCF Related Terms
Cincinnati Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Cincinnati Financial's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's EV-to-OCF falls into.
Cincinnati Financial's current Enterprise Value is $25,596 Mil.
Cincinnati Financial's Cash Flow from Operations 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 $3,417 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-OCF of 7.49 as of Aug. 12, 2026. This is 24% below median its historical median of 9.85. Over the past decade, Cincinnati Financial's EV-to-OCF has ranged from 7.06 to 16.10. According to the industry distribution chart, Cincinnati Financial ranks #280 out of 505 companies in the Insurance industry, placing it in the top 55.4%.
Is Cincinnati Financial's EV-to-OCF too high?
Cincinnati Financial's current EV-to-OCF of 7.49 is 24% below median its 10-year median of 9.85. Over the past 10 years, this metric has ranged from a low of 7.06 to a high of 16.10. The Insurance industry median EV-to-OCF is 6.57. Cincinnati Financial's value of 7.49 is 14% above this industry median. Based on the distribution chart, Cincinnati Financial ranks #280 out of 505 companies in the Insurance industry, which is below the industry midpoint. 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 EV-to-OCF compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #280 out of 505 companies for EV-to-OCF. This places Cincinnati Financial in the lower half of its industry. The industry median EV-to-OCF is 6.57. Cincinnati Financial's value of 7.49 is 14% above this benchmark. Historically, Cincinnati Financial's own EV-to-OCF has ranged from 7.06 to 16.10 over the past decade. While the company's 10-year median is 9.85 vs. the industry median of 6.57, 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 EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.57, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current EV-to-OCF of 7.49 is 14% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current EV-to-OCF is 7.49, which is 24% below median its own 10-year median of 9.85. 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 $179.64, compared to a current price of $172.47 — trading 4% below its estimated fair value. The current EV-to-OCF is 7.49, which is 24% below median its 10-year median of 9.85 and 14% above the Insurance industry median of 6.57. Cincinnati Financial's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current EV-to-OCF is 7.49 as of Aug. 12, 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 $172.47 is trading 4% below its estimated GF Value™ of $179.64.
GuruFocus considers Cincinnati Financial to be Fairly Valued.
Key valuation signals for CINF:
EV-to-OCF: 7.49 (24% below median its 10-year median of 9.85)
GF Value™: $179.64 vs. price of $172.47 (4% below fair value)
Industry Position: 14% above the Insurance median (#280 of 505)
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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