Cincinnati FinancialCINF +3.51%70 FCF Yield % is 12.07 as of Jun. 27, 2026, which is 22% above its 10-year median of 9.91. GuruFocus rates CINF with a GF Score™ of 70/100 and a GF Value™ of $164.46 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 504 Insurance companies, Cincinnati Financial ranks better than 67.46% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Cincinnati Financial FCF Yield % Related Terms
Cincinnati Financial FCF Yield % Historical Data
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The historical data trend for Cincinnati Financial's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's FCF Yield % falls into.
* 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 FCF Yield % of 12.07 as of Jun. 27, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Cincinnati Financial and its competitors. This is 22% above median its historical median of 9.91. Over the past decade, Cincinnati Financial's FCF Yield % has ranged from 6.11 to 14.42. According to the industry distribution chart, Cincinnati Financial ranks #164 out of 504 companies in the Insurance industry, placing it in the top 32.5%.
Is Cincinnati Financial's FCF Yield % too high?
Cincinnati Financial's current FCF Yield % of 12.07 is 22% above median its 10-year median of 9.91. Over the past 10 years, this metric has ranged from a low of 6.11 to a high of 14.42. The Insurance industry median FCF Yield % is 7.12. Cincinnati Financial's value of 12.07 is 69.6% above this industry median. Based on the distribution chart, Cincinnati Financial ranks #164 out of 504 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 FCF Yield % compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #164 out of 504 companies for FCF Yield %. This puts Cincinnati Financial in the upper half of its industry. The industry median FCF Yield % is 7.12. Cincinnati Financial's value of 12.07 is 69.6% above this benchmark. Historically, Cincinnati Financial's own FCF Yield % has ranged from 6.11 to 14.42 over the past decade. While the company's 10-year median is 9.91 vs. the industry median of 7.12, 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 FCF Yield % for an Insurance company?
The median FCF Yield % among Insurance companies is 7.12, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current FCF Yield % of 12.07 is 69.6% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median FCF Yield % is 7.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current FCF Yield % is 12.07, which is 22% above median its own 10-year median of 9.91. 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 Modestly Overvalued. The stock's GF Value™ is $164.46, compared to a current price of $184.15 — trading 12% above its estimated fair value. The current FCF Yield % is 12.07, which is 22% above median its 10-year median of 9.91 and 69.6% above the Insurance industry median of 7.12. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current FCF Yield % is 12.07 as of Jun. 27, 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 $184.15 is trading 12% above its estimated GF Value™ of $164.46.
GuruFocus considers Cincinnati Financial to be Modestly Overvalued.
Key valuation signals for CINF:
FCF Yield %: 12.07 (22% above median its 10-year median of 9.91)
GF Value™: $164.46 vs. price of $184.15 (12% above fair value)
Industry Position: 69.6% above the Insurance median (#164 of 504)
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.
70GF Score
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