Cincinnati FinancialCINF +1.49%71 OCF Margin % is 22.91% as of Mar. 2026, which is 12% above its 10-year median of 20.54. 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 502 Insurance companies, Cincinnati Financial ranks better than 81.67% on this metric.
The historical rank and industry rank for Cincinnati Financial's OCF Margin % or its related term are showing as below:
CINF'
s OCF Margin % Range Over the Past 10 Years
Min: 15.24 Med: 20.54 Max: 31.27
Current: 26.75
During the past 13 years, the highest OCF Margin % of Cincinnati Financial was 31.27%. The lowest was 15.24%. And the median was 20.54%.
CINF's OCF Margin % is ranked better than 81.67% of 502
companies
in the Insurance industry
Industry Median: 10.855
vs CINF: 26.75
Cincinnati Financial OCF Margin % Related Terms
Cincinnati Financial OCF Margin % Historical Data
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The historical data trend for Cincinnati Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's OCF 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 OCF Margin % of 22.91% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Cincinnati Financial and its competitors. This is 12% above median its historical median of 20.54. Over the past decade, Cincinnati Financial's OCF Margin % has ranged from 15.24 to 31.27. According to the industry distribution chart, Cincinnati Financial ranks #92 out of 502 companies in the Insurance industry, placing it in the top 18.3%.
Is Cincinnati Financial's OCF Margin % too high?
Cincinnati Financial's current OCF Margin % of 22.91% is 12% above median its 10-year median of 20.54. Over the past 10 years, this metric has ranged from a low of 15.24 to a high of 31.27. The Insurance industry median OCF Margin % is 10.86. Cincinnati Financial's value of 22.91% is 111.1% above this industry median. Based on the distribution chart, Cincinnati Financial ranks #92 out of 502 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 OCF Margin % compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #92 out of 502 companies for OCF Margin %. This places Cincinnati Financial in the top 18% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 10.86. Cincinnati Financial's value of 22.91% is 111.1% above this benchmark. Historically, Cincinnati Financial's own OCF Margin % has ranged from 15.24 to 31.27 over the past decade. While the company's 10-year median is 20.54 vs. the industry median of 10.86, 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.86, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current OCF Margin % of 22.91% is 111.1% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median OCF Margin % is 10.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current OCF Margin % is 22.91%, which is 12% above median its own 10-year median of 20.54. 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 OCF Margin % is 22.91%, which is 12% above median its 10-year median of 20.54 and 111.1% above the Insurance industry median of 10.86. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current OCF Margin % is 22.91% 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:
OCF Margin %: 22.91% (12% above median its 10-year median of 20.54)
GF Value™: $164.42 vs. price of $178.43 (8.5% above fair value)
Industry Position: 111.1% above the Insurance median (#92 of 502)
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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