Cincinnati Financial has the GF Score of 69, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Cincinnati Financial
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Cincinnati Financial GF Score Related Terms
CINF vs WRB, MKL, L: GF Score Comparison
For the Insurance - Property & Casualty subindustry, Cincinnati Financial's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's GF Score distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's GF Score falls into.
Cincinnati Financial (CINF) has a GF Score of 69 as of Jul. 01, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Cincinnati Financial and its competitors. This is 16% below median its historical median of 82.00. Over the past decade, Cincinnati Financial's GF Score has ranged from 63.00 to 94.00.
Is Cincinnati Financial's GF Score too high?
Cincinnati Financial's current GF Score of 69 is 16% below median its 10-year median of 82.00. Over the past 10 years, this metric has ranged from a low of 63.00 to a high of 94.00. Overall, Cincinnati Financial has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cincinnati Financial's GF Score compare to WRB and MKL?
Cincinnati Financial's GF Score of 69 can be compared against companies in the Insurance industry. Historically, Cincinnati Financial's own GF Score has ranged from 63.00 to 94.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for an Insurance company?
A good GF Score depends on the Insurance industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Cincinnati Financial and its competitors. Cincinnati Financial's current GF Score is 69, which is 16% below median its own 10-year median of 82.00. 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 $185.13 — trading 12.6% above its estimated fair value. The current GF Score is 69, which is 16% below median its 10-year median of 82.00. Cincinnati Financial's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current GF Score is 69 as of Jul. 01, 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 $185.13 is trading 12.6% above its estimated GF Value™ of $164.46.
GuruFocus considers Cincinnati Financial to be Modestly Overvalued.
Key valuation signals for CINF:
GF Score: 69 (16% below median its 10-year median of 82.00)
GF Value™: $164.46 vs. price of $185.13 (12.6% above fair value)
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.
69GF Score
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