CINF (Cincinnati Financial) GF Value Rank: 7 (As of Jul. 16, 2026) — Near Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CINF Cincinnati Financial Corp CINF
71 GF Score
Price $176.27
GF Value $165.22
Valuation Fairly Valued
! 1 Warning Sign
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What is Cincinnati Financial GF Value Rank?

Cincinnati Financial CINF +2.24% 71 GF Value Rank is 7 as of Jul. 16, 2026, which is at its 10-year median of 7.00. GuruFocus rates CINF with a GF Score™ of 71/100 and a GF Value™ of $165.22 (Fairly Valued). The stock has 1 warning sign investors should review.

Cincinnati Financial has the GF Value Rank of 7.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Cincinnati Financial GF Value Rank Related Terms

CINF vs WRB, MKL, L: GF Value Rank Comparison

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

For the Insurance industry and Financial Services sector, Cincinnati Financial's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Cincinnati Financial's GF Value Rank falls into.


CINF
71GF Score
Cincinnati Financial Corp CINF
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 7 mean?
Cincinnati Financial (CINF) has a GF Value Rank of 7 as of Jul. 16, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Cincinnati Financial and its competitors. This is near median its historical median of 7.00. Over the past decade, Cincinnati Financial's GF Value Rank has ranged from 1.00 to 10.00.
Is Cincinnati Financial's GF Value Rank too high?
Cincinnati Financial's current GF Value Rank of 7 is near median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. 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 GF Value Rank compare to WRB and MKL?
Cincinnati Financial's GF Value Rank of 7 can be compared against companies in the Insurance industry. Historically, Cincinnati Financial's own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for an Insurance company?
A good GF Value Rank depends on the Insurance industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Cincinnati Financial and its competitors. Cincinnati Financial's current GF Value Rank is 7, which is near median its own 10-year median of 7.00. 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 $165.22, compared to a current price of $176.27 — trading 6.7% above its estimated fair value. The current GF Value Rank is 7, which is near median its 10-year median of 7.00. Cincinnati Financial's overall GF Score™ is 71/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current GF Value Rank is 7 as of Jul. 16, 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 $176.27 is trading 6.7% above its estimated GF Value™ of $165.22. GuruFocus considers Cincinnati Financial to be Fairly Valued.

Key valuation signals for CINF:

  • GF Value Rank: 7 (near median its 10-year median of 7.00)
  • GF Value™: $165.22 vs. price of $176.27 (6.7% above fair value)
  • GF Score™: 71/100 with 1 warning sign

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

Get the complete analysis for CINF

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

$176.27
Price
$165.22
GF Value