Cincinnati FinancialCINF +3.51%70 Interest Coverage is 26.08 as of Mar. 2026, which is 40% below its 10-year median of 43.15. 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 351 Insurance companies, Cincinnati Financial ranks better than 75.21% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Cincinnati Financial's
EBIT
for the
three
months ended in Mar. 2026 was $339 Mil. Cincinnati Financial's Interest Expense for the
three
months ended in Mar. 2026 was $-13 Mil.
Cincinnati Financial's interest coverage for the quarter that ended in Mar. 2026 was 26.08.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Cincinnati Financial's Interest Coverage or its related term are showing as below:
CINF'
s Interest Coverage Range Over the Past 10 Years
Min: 5.74 Med: 43.15 Max: 70.77
Current: 65.79
CINF's Interest Coverage is ranked better than 75.21% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs CINF: 65.79
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Cincinnati Financial Interest Coverage Related Terms
Cincinnati Financial Interest Coverage Historical Data
* Premium members only.
The historical data trend for Cincinnati Financial's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Property & Casualty subindustry, Cincinnati Financial's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 26.08 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Cincinnati Financial and its competitors. This is 40% below median its historical median of 43.15. Over the past decade, Cincinnati Financial's Interest Coverage has ranged from 5.74 to 70.77. According to the industry distribution chart, Cincinnati Financial ranks #87 out of 351 companies in the Insurance industry, placing it in the top 24.8%.
Is Cincinnati Financial's Interest Coverage too high?
Cincinnati Financial's current Interest Coverage of 26.08 is 40% below median its 10-year median of 43.15. Over the past 10 years, this metric has ranged from a low of 5.74 to a high of 70.77. The Insurance industry median Interest Coverage is 16.23. Cincinnati Financial's value of 26.08 is 60.7% above this industry median. Based on the distribution chart, Cincinnati Financial ranks #87 out of 351 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Interest Coverage compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #87 out of 351 companies for Interest Coverage. This places Cincinnati Financial in the top 25% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.23. Cincinnati Financial's value of 26.08 is 60.7% above this benchmark. Historically, Cincinnati Financial's own Interest Coverage has ranged from 5.74 to 70.77 over the past decade. While the company's 10-year median is 43.15 vs. the industry median of 16.23, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current Interest Coverage of 26.08 is 60.7% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current Interest Coverage is 26.08, which is 40% below median its own 10-year median of 43.15. 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 Interest Coverage is 26.08, which is 40% below median its 10-year median of 43.15 and 60.7% above the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current Interest Coverage is 26.08 as of Mar. 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:
Interest Coverage: 26.08 (40% below median its 10-year median of 43.15)
GF Value™: $164.46 vs. price of $184.15 (12% above fair value)
Industry Position: 60.7% above the Insurance median (#87 of 351)
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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