Cincinnati FinancialCINF +1.49%71 Net Margin % is 9.57% as of Mar. 2026, which is 48% below its 10-year median of 18.32. 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 503 Insurance companies, Cincinnati Financial ranks better than 84.29% on this metric.
The historical rank and industry rank for Cincinnati Financial's Net Margin % or its related term are showing as below:
CINF'
s Net Margin % Range Over the Past 10 Years
Min: -7.42 Med: 18.32 Max: 30.83
Current: 21.33
CINF's Net Margin % is ranked better than 84.29% of 503
companies
in the Insurance industry
Industry Median: 9.29
vs CINF: 21.33
Cincinnati Financial (NAS:CINF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Cincinnati Financial Net Margin % Related Terms
Cincinnati Financial Net Margin % Historical Data
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The historical data trend for Cincinnati Financial's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's Net Margin % 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 Net Margin % of 9.57% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Cincinnati Financial and its competitors. This is 48% below median its historical median of 18.32. According to the industry distribution chart, Cincinnati Financial ranks #79 out of 503 companies in the Insurance industry, placing it in the top 15.7%.
Is Cincinnati Financial's Net Margin % too high?
Cincinnati Financial's current Net Margin % of 9.57% is 48% below median its 10-year median of 18.32. The Insurance industry median Net Margin % is 9.29. Cincinnati Financial's value of 9.57% is 3% above this industry median. Based on the distribution chart, Cincinnati Financial ranks #79 out of 503 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cincinnati Financial's Net Margin % compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #79 out of 503 companies for Net Margin %. This places Cincinnati Financial in the top 16% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.29. Cincinnati Financial's value of 9.57% is 3% above this benchmark. While the company's 10-year median is 18.32 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current Net Margin % of 9.57% is 3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current Net Margin % is 9.57%, which is 48% below median its own 10-year median of 18.32. 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 $178.43 — trading 8.5% above its estimated fair value. The current Net Margin % is 9.57%, which is 48% below median its 10-year median of 18.32 and 3% above the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current Net Margin % is 9.57% 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 $178.43 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:
Net Margin %: 9.57% (48% below median its 10-year median of 18.32)
GF Value™: $164.42 vs. price of $178.43 (8.5% above fair value)
Industry Position: 3% above the Insurance median (#79 of 503)
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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