Cincinnati FinancialCINF +3.51%70 OCF Yield % is 12.14 as of Jun. 27, 2026, which is 21% above its 10-year median of 10.01. 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 504 Insurance companies, Cincinnati Financial ranks better than 63.69% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Cincinnati Financial OCF Yield % Related Terms
Cincinnati Financial OCF Yield % Historical Data
* Premium members only.
The historical data trend for Cincinnati Financial's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's OCF Yield % 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 Yield % of 12.14 as of Jun. 27, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Cincinnati Financial and its competitors. This is 21% above median its historical median of 10.01. Over the past decade, Cincinnati Financial's OCF Yield % has ranged from 6.24 to 14.71. According to the industry distribution chart, Cincinnati Financial ranks #183 out of 504 companies in the Insurance industry, placing it in the top 36.3%.
Is Cincinnati Financial's OCF Yield % too high?
Cincinnati Financial's current OCF Yield % of 12.14 is 21% above median its 10-year median of 10.01. Over the past 10 years, this metric has ranged from a low of 6.24 to a high of 14.71. The Insurance industry median OCF Yield % is 8.05. Cincinnati Financial's value of 12.14 is 50.9% above this industry median. Based on the distribution chart, Cincinnati Financial ranks #183 out of 504 companies in the Insurance industry, which is above the industry midpoint. 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 OCF Yield % compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #183 out of 504 companies for OCF Yield %. This puts Cincinnati Financial in the upper half of its industry. The industry median OCF Yield % is 8.05. Cincinnati Financial's value of 12.14 is 50.9% above this benchmark. Historically, Cincinnati Financial's own OCF Yield % has ranged from 6.24 to 14.71 over the past decade. While the company's 10-year median is 10.01 vs. the industry median of 8.05, 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 Yield % for an Insurance company?
The median OCF Yield % among Insurance companies is 8.05, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current OCF Yield % of 12.14 is 50.9% 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median OCF Yield % is 8.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current OCF Yield % is 12.14, which is 21% above median its own 10-year median of 10.01. 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 OCF Yield % is 12.14, which is 21% above median its 10-year median of 10.01 and 50.9% above the Insurance industry median of 8.05. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current OCF Yield % is 12.14 as of Jun. 27, 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:
OCF Yield %: 12.14 (21% above median its 10-year median of 10.01)
GF Value™: $164.46 vs. price of $184.15 (12% above fair value)
Industry Position: 50.9% above the Insurance median (#183 of 504)
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
Get the complete analysis for CINF
OCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CINF has been successfully added to your 
