CINF (Cincinnati Financial) Moat Score: 6/10 (As of Jun. 30, 2026)


CINF Cincinnati Financial Corp CINF
71 GF Score
Price $186.16
GF Value $164.46
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Cincinnati Financial Moat Score?

Cincinnati Financial CINF +1.09% 71 Moat Score is 6 as of Jun. 30, 2026. GuruFocus rates CINF with a GF Score™ of 71/100 and a GF Value™ of $164.46 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 601 Insurance companies, Cincinnati Financial ranks better than 95.01% on this metric.

Cincinnati Financial has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Cincinnati Financial has Narrow Moat: Cincinnati Financial has a strong brand and customer loyalty in the insurance sector. It benefits from economies of scale and a robust distribution network, but intense competition limits its moat to a narrow level.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Cincinnati Financial might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Cincinnati Financial  (NAS:CINF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Cincinnati Financial Moat Score Related Terms

CINF vs WRB, MKL, L: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Cincinnati Financial's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Cincinnati Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Cincinnati Financial's Moat Score falls into.


CINF
71GF Score
Cincinnati Financial Corp CINF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Cincinnati Financial (CINF) has a Moat Score of 6 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Cincinnati Financial ranks #30 out of 601 companies in the Insurance industry, placing it in the top 5%.
Is Cincinnati Financial's Moat Score too high?
Cincinnati Financial's current Moat Score is 6. Based on the distribution chart, Cincinnati Financial ranks #30 out of 601 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 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cincinnati Financial's Moat Score compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #30 out of 601 companies for Moat Score. This places Cincinnati Financial in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Cincinnati Financial's current Moat Score is 6. 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 $186.16 — trading 13.2% above its estimated fair value. The current Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current Moat Score is 6 as of Jun. 30, 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 $186.16 is trading 13.2% above its estimated GF Value™ of $164.46. GuruFocus considers Cincinnati Financial to be Modestly Overvalued.

Key valuation signals for CINF:

  • Moat Score: 6
  • GF Value™: $164.46 vs. price of $186.16 (13.2% above fair value)
  • GF Score™: 71/100 with 5 warning signs

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 Business Description

Other Exchanges 0HYE:UKCCJ:Germany
Address 6200 S. Gilmore Road, Fairfield, OH, USA, 45014-5141
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$186.16
Price
$164.46
GF Value