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Cincinnati FinancialCINF +0.06%74 Equity-to-Asset is 0.39 as of Jun. 2026, which is 5% above its 10-year median of 0.37. GuruFocus rates CINF with a GF Score™ of 74/100 and a GF Value™ of $177.65 (Fairly Valued). The stock has 2 warning signs investors should review. Among 505 Insurance companies, Cincinnati Financial ranks better than 72.08% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Cincinnati Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $16,671 Mil. Cincinnati Financial's Total Assets for the quarter that ended in Jun. 2026 was $43,231 Mil.
Therefore, Cincinnati Financial's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.39.
The historical rank and industry rank for Cincinnati Financial's Equity-to-Asset or its related term are showing as below:
CINF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.33 Med: 0.37 Max: 0.42
Current: 0.39
During the past 13 years, the highest Equity to Asset Ratio of Cincinnati Financial was 0.42. The lowest was 0.33. And the median was 0.37.
CINF's Equity-to-Asset is ranked better than 72.08% of 505
companies
in the Insurance industry
Industry Median: 0.26
vs CINF: 0.39
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Cincinnati Financial Equity-to-Asset Related Terms
Cincinnati Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Cincinnati Financial's Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Cincinnati Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.39 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Cincinnati Financial and its competitors. This is near median its historical median of 0.37. Over the past decade, Cincinnati Financial's Equity-to-Asset has ranged from 0.33 to 0.42. According to the industry distribution chart, Cincinnati Financial ranks #141 out of 505 companies in the Insurance industry, placing it in the top 27.9%.
Is Cincinnati Financial's Equity-to-Asset too high?
Cincinnati Financial's current Equity-to-Asset of 0.39 is near median its 10-year median of 0.37. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 0.42. The Insurance industry median Equity-to-Asset is 0.26. Cincinnati Financial's value of 0.39 is 50% above this industry median. Based on the distribution chart, Cincinnati Financial ranks #141 out of 505 companies in the Insurance industry, which is above 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 Equity-to-Asset compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #141 out of 505 companies for Equity-to-Asset. This puts Cincinnati Financial in the upper half of its industry. The industry median Equity-to-Asset is 0.26. Cincinnati Financial's value of 0.39 is 50% above this benchmark. Historically, Cincinnati Financial's own Equity-to-Asset has ranged from 0.33 to 0.42 over the past decade. While the company's 10-year median is 0.37 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current Equity-to-Asset of 0.39 is 50% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current Equity-to-Asset is 0.39, which is near median its own 10-year median of 0.37. 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 $177.65, compared to a current price of $168.28 — trading 5.3% below its estimated fair value. The current Equity-to-Asset is 0.39, which is near median its 10-year median of 0.37 and 50% above the Insurance industry median of 0.26. Cincinnati Financial's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current Equity-to-Asset is 0.39 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 $168.28 is trading 5.3% below its estimated GF Value™ of $177.65.
GuruFocus considers Cincinnati Financial to be Fairly Valued.
Key valuation signals for CINF:
Equity-to-Asset: 0.39 (near median its 10-year median of 0.37)
GF Value™: $177.65 vs. price of $168.28 (5.3% below fair value)
Industry Position: 50% above the Insurance median (#141 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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