CINF (Cincinnati Financial) Dividend Payout Ratio: 0.54 (As of Mar. 2026) — Near Median

What is Cincinnati Financial Dividend Payout Ratio?

Cincinnati Financial CINF +3.51% 70 Dividend Payout Ratio is 0.54 as of Mar. 2026, which is 7% below its 10-year median of 0.58. 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 335 Insurance companies, Cincinnati Financial ranks better than 68.96% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Cincinnati Financial's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.54.

The historical rank and industry rank for Cincinnati Financial's Dividend Payout Ratio or its related term are showing as below:

CINF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23 Med: 0.58 Max: 0.73
Current: 0.23

During the past 13 years, the highest Dividend Payout Ratio of Cincinnati Financial was 0.73. The lowest was 0.23. And the median was 0.58.

CINF's Dividend Payout Ratio is ranked better than
68.96% of 335 companies
in the Insurance industry
Industry Median: 0.38 vs CINF: 0.23

As of today (2026-06-28), the Dividend Yield % of Cincinnati Financial is 1.97%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Cincinnati Financial was 4.63%. The lowest was 1.84%. And the median was 2.52%.

Cincinnati Financial's Dividends per Share for the months ended in Mar. 2026 was $0.94.

During the past 12 months, Cincinnati Financial's average Dividends Per Share Growth Rate was 7.60% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 8.00% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 8.00% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 6.70% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Cincinnati Financial was 19.60% per year. The lowest was 1.00% per year. And the median was 9.40% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Cincinnati Financial (NAS:CINF) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Cincinnati Financial Dividend Payout Ratio Related Terms

Cincinnati Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Cincinnati Financial's Dividend Payout Ratio 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.

Cincinnati Financial Dividend Payout Ratio Chart

Cincinnati Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.39

0.65

0.50

0.43

0.23

Cincinnati Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Dividend Payout Ratio	Get a 7-Day Free Trial															0.00	0.44	0.12	0.20	0.54

CINF vs WRB, MKL, L: Dividend Payout Ratio Comparison

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

For the Insurance industry and Financial Services sector, Cincinnati Financial's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Cincinnati Financial's Dividend Payout Ratio falls into.

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70GF Score

Cincinnati Financial Corp CINF

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Cincinnati Financial Dividend Payout Ratio Calculation

Cincinnati Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	3.48	/	15.17
	=	0.23

Cincinnati Financial's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.94	/	1.75
	=	0.54

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.54 mean?

Cincinnati Financial (CINF) has a Dividend Payout Ratio of 0.54 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Cincinnati Financial and its competitors. This is near median its historical median of 0.58. Over the past decade, Cincinnati Financial's Dividend Payout Ratio has ranged from 0.23 to 0.73. According to the industry distribution chart, Cincinnati Financial ranks #104 out of 335 companies in the Insurance industry, placing it in the top 31%.

Is Cincinnati Financial's Dividend Payout Ratio too high?

Cincinnati Financial's current Dividend Payout Ratio of 0.54 is near median its 10-year median of 0.58. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.73. The Insurance industry median Dividend Payout Ratio is 0.38. Cincinnati Financial's value of 0.54 is 42.1% above this industry median. Based on the distribution chart, Cincinnati Financial ranks #104 out of 335 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 Dividend Payout Ratio compare to WRB and MKL?

According to the Insurance industry distribution chart, Cincinnati Financial ranks #104 out of 335 companies for Dividend Payout Ratio. This puts Cincinnati Financial in the upper half of its industry. The industry median Dividend Payout Ratio is 0.38. Cincinnati Financial's value of 0.54 is 42.1% above this benchmark. Historically, Cincinnati Financial's own Dividend Payout Ratio has ranged from 0.23 to 0.73 over the past decade. While the company's 10-year median is 0.58 vs. the industry median of 0.38, 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 Dividend Payout Ratio for an Insurance company?

The median Dividend Payout Ratio among Insurance companies is 0.38, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current Dividend Payout Ratio of 0.54 is 42.1% 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 Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median Dividend Payout Ratio is 0.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current Dividend Payout Ratio is 0.54, which is near median its own 10-year median of 0.58. 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 Dividend Payout Ratio is 0.54, which is near median its 10-year median of 0.58 and 42.1% above the Insurance industry median of 0.38. 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 Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current Dividend Payout Ratio is 0.54 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 $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:

Dividend Payout Ratio: 0.54 (near median its 10-year median of 0.58)
GF Value™: $164.46 vs. price of $184.15 (12% above fair value)
GF Score™: 70/100 with 5 warning signs
Industry Position: 42.1% above the Insurance median (#104 of 335)

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

Industry Financial Services Insurance

Comparable Companies WRB MKL L AIZ CNA AFG ORI KNSL THG MCY CB PGR TSE:8766 TRV ALL HKSE:01339 HKSE:02328 TSE:8725 TSX:IFC TSE:8630

Other Exchanges 0HYE:UK CCJ:Germany

Address 6200 S. Gilmore Road, Fairfield, OH, USA, 45014-5141

Website https://www.cinfin.com

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

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Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$184.15

Price

$164.46

GF Value

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