Cincinnati FinancialCINF +1.49%71 Median PS Value is $175.58 as of Jun. 24, 2026, which is 16309% above its 10-year median of 1.07. GuruFocus rates CINF with a GF Score™ of 71/100 and a GF Value™ of $164.42 (Fairly Valued). The stock has 5 warning signs investors should review. Among 344 Insurance companies, Cincinnati Financial ranks worse than 50.58% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Cincinnati Financial's Median PS Value or its related term are showing as below:
CINF'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.77 Med: 1.07 Max: 1.66
Current: 1.02
During the past 13 years, the highest Price to Median PS Value of Cincinnati Financial was 1.66. The lowest was 0.77. And the median was 1.07.
CINF's Price-to-Median-PS-Value is ranked worse than 50.58% of 344
companies
in the Insurance industry
Industry Median: 0.99
vs CINF: 1.02
Cincinnati Financial (NAS:CINF) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Cincinnati Financial's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
178.45
/
175.58
=
1.02
* 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 Median PS Value Related Terms
Cincinnati Financial Median PS Value Historical Data
* Premium members only.
The historical data trend for Cincinnati Financial's Median PS Value 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 Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 2.1394.
Cincinnati Financial's Revenue per Share 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 $82.069.
* 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 Median PS Value of $175.58 as of Jun. 24, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Cincinnati Financial and its competitors. This is 16309% above median its historical median of 1.07. Over the past decade, Cincinnati Financial's Median PS Value has ranged from 0.77 to 1.66. According to the industry distribution chart, Cincinnati Financial ranks #174 out of 344 companies in the Insurance industry, placing it in the top 50.6%.
Is Cincinnati Financial's Median PS Value too high?
Cincinnati Financial's current Median PS Value of $175.58 is 16309% above median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 1.66. The Insurance industry median Median PS Value is 0.99. Cincinnati Financial's value of $175.58 is 17635.4% above this industry median. Based on the distribution chart, Cincinnati Financial ranks #174 out of 344 companies in the Insurance industry, which is below the industry midpoint. Overall, Cincinnati Financial has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cincinnati Financial's Median PS Value compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #174 out of 344 companies for Median PS Value. This places Cincinnati Financial in the lower half of its industry. The industry median Median PS Value is 0.99. Cincinnati Financial's value of $175.58 is 17635.4% above this benchmark. Historically, Cincinnati Financial's own Median PS Value has ranged from 0.77 to 1.66 over the past decade. While the company's 10-year median is 1.07 vs. the industry median of 0.99, 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 Median PS Value for an Insurance company?
The median Median PS Value among Insurance companies is 0.99, based on 344 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current Median PS Value of $175.58 is 17635.4% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median Median PS Value is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current Median PS Value is $175.58, which is 16309% above median its own 10-year median of 1.07. 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 $164.42, compared to a current price of $178.45 — trading 8.5% above its estimated fair value. The current Median PS Value is $175.58, which is 16309% above median its 10-year median of 1.07 and 17635.4% above the Insurance industry median of 0.99. Cincinnati Financial's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current Median PS Value is $175.58 as of Jun. 24, 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 $178.45 is trading 8.5% above its estimated GF Value™ of $164.42.
GuruFocus considers Cincinnati Financial to be Fairly Valued.
Key valuation signals for CINF:
Median PS Value: $175.58 (16309% above median its 10-year median of 1.07)
GF Value™: $164.42 vs. price of $178.45 (8.5% above fair value)
Industry Position: 17635.4% above the Insurance median (#174 of 344)
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.
71GF Score
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