Cincinnati Financial (FRA:CCJ) Quality Rank

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.
Reviewed by: Charlie Tian Charlie Tian
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.

FRA:CCJ Cincinnati Financial Corp FRA:CCJ
74 GF Score
Price €153.10
GF Value €139.95
Valuation Fairly Valued
! 5 Warning Signs
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What is Cincinnati Financial Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Cincinnati Financial Quality Rank Related Terms

FRA:CCJ
74GF Score
Cincinnati Financial Corp FRA:CCJ
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Cincinnati Financial (FRA:CCJ) Overvalued in 2026?

Based on GuruFocus' analysis, Cincinnati Financial stock appears to be overvalued. The current stock price of €153.10 is trading 9.4% above its estimated GF Value™ of €139.95. GuruFocus considers Cincinnati Financial to be Fairly Valued.

Key valuation signals for FRA:CCJ:

  • Quality Rank:
  • GF Value™: €139.95 vs. price of €153.10 (9.4% above fair value)
  • GF Score™: 74/100 with 5 warning signs

No single metric tells the full story. See the FRA:CCJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Cincinnati Financial Business Description

Other Exchanges CINF:USA0HYE: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.
74GF Score

Get the complete analysis for FRA:CCJ

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

€153.10
Price
€139.95
GF Value