Cincinnati FinancialFRA:CCJ +1.30%70 EV-to-FCF is 8.74 as of Jul. 03, 2026, which is 13% below its 10-year median of 10.10. GuruFocus rates FRA:CCJ with a GF Score™ of 70/100 and a GF Value™ of €143.28 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 395 Insurance companies, Cincinnati Financial ranks better than 54.18% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Cincinnati Financial's Enterprise Value is €25,798 Mil.
Cincinnati Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €2,951 Mil. Therefore, Cincinnati Financial's EV-to-FCF for today is 8.74.
The historical rank and industry rank for Cincinnati Financial's EV-to-FCF or its related term are showing as below:
FRA:CCJ'
s EV-to-FCF Range Over the Past 10 Years
Min: 7.09 Med: 10.1 Max: 16.43
Current: 8.54
During the past 13 years, the highest EV-to-FCF of Cincinnati Financial was 16.43. The lowest was 7.09. And the median was 10.10.
FRA:CCJ's EV-to-FCF is ranked better than 54.18% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs FRA:CCJ: 8.54
EV-to-FCF 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-FCF 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 €164.00.
Cincinnati Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €14.999.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Cincinnati Financial EV-to-FCF Related Terms
Cincinnati Financial EV-to-FCF Historical Data
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The historical data trend for Cincinnati Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's EV-to-FCF falls into.
Cincinnati Financial's current Enterprise Value is €25,798 Mil.
Cincinnati Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €2,951 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 (FRA:CCJ) has a EV-to-FCF of 8.74 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Cincinnati Financial and its competitors. This is 13% below median its historical median of 10.10. Over the past decade, Cincinnati Financial's EV-to-FCF has ranged from 7.09 to 16.43. According to the industry distribution chart, Cincinnati Financial ranks #181 out of 395 companies in the Insurance industry, placing it in the top 45.8%.
Is Cincinnati Financial's EV-to-FCF too high?
Cincinnati Financial's current EV-to-FCF of 8.74 is 13% below median its 10-year median of 10.10. Over the past 10 years, this metric has ranged from a low of 7.09 to a high of 16.43. The Insurance industry median EV-to-FCF is 9.32. Cincinnati Financial's value of 8.74 is 6.2% below this industry median. Based on the distribution chart, Cincinnati Financial ranks #181 out of 395 companies in the Insurance industry, which is above the industry midpoint. Overall, Cincinnati Financial has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cincinnati Financial's EV-to-FCF compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #181 out of 395 companies for EV-to-FCF. This puts Cincinnati Financial in the upper half of its industry. The industry median EV-to-FCF is 9.32. Cincinnati Financial's value of 8.74 is 6.2% below this benchmark. Historically, Cincinnati Financial's own EV-to-FCF has ranged from 7.09 to 16.43 over the past decade. While the company's 10-year median is 10.10 vs. the industry median of 9.32, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current EV-to-FCF of 8.74 is 6.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current EV-to-FCF is 8.74, which is 13% below median its own 10-year median of 10.10. 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 (FRA:CCJ) is currently considered Modestly Overvalued. The stock's GF Value™ is €143.28, compared to a current price of €164.00 — trading 14.5% above its estimated fair value. The current EV-to-FCF is 8.74, which is 13% below median its 10-year median of 10.10 and 6.2% below the Insurance industry median of 9.32. Cincinnati Financial's overall GF Score™ is 70/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Cincinnati Financial (FRA:CCJ), the current EV-to-FCF is 8.74 as of Jul. 03, 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 (FRA:CCJ) Overvalued in 2026?
Based on GuruFocus' analysis, Cincinnati Financial stock appears to be overvalued.
The current stock price of €164.00 is trading 14.5% above its estimated GF Value™ of €143.28.
GuruFocus considers Cincinnati Financial to be Modestly Overvalued.
Key valuation signals for FRA:CCJ:
EV-to-FCF: 8.74 (13% below median its 10-year median of 10.10)
GF Value™: €143.28 vs. price of €164.00 (14.5% above fair value)
Industry Position: 6.2% below the Insurance median (#181 of 395)
No single metric tells the full story. See the FRA:CCJ 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.
70GF Score
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