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Cincinnati FinancialCINF -2.36%71 5-Year Yield-on-Cost % is 2.98 as of Jul. 15, 2026, which is 19% below its 10-year median of 3.69. GuruFocus rates CINF with a GF Score™ of 71/100 and a GF Value™ of $165.20 (Fairly Valued). The stock has 5 warning signs investors should review. Among 419 Insurance companies, Cincinnati Financial ranks worse than 64.92% on this metric.
Cincinnati Financial's yield on cost for the quarter that ended in Mar. 2026 was 2.98.
The historical rank and industry rank for Cincinnati Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
CINF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.7 Med: 3.69 Max: 6.8
Current: 2.98
During the past 13 years, Cincinnati Financial's highest Yield on Cost was 6.80. The lowest was 2.70. And the median was 3.69.
CINF's 5-Year Yield-on-Cost % is ranked worse than 64.92% of 419
companies
in the Insurance industry
Industry Median: 3.99
vs CINF: 2.98
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Cincinnati Financial 5-Year Yield-on-Cost % Related Terms
CINF vs WRB, MKL, L: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, Cincinnati Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Cincinnati Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Cincinnati Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Cincinnati Financial (CINF) has a 5-Year Yield-on-Cost % of 2.98 as of Jul. 15, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Cincinnati Financial and its competitors. This is 19% below median its historical median of 3.69. Over the past decade, Cincinnati Financial's 5-Year Yield-on-Cost % has ranged from 2.70 to 6.80. According to the industry distribution chart, Cincinnati Financial ranks #272 out of 419 companies in the Insurance industry, placing it in the top 64.9%.
Is Cincinnati Financial's 5-Year Yield-on-Cost % too high?
Cincinnati Financial's current 5-Year Yield-on-Cost % of 2.98 is 19% below median its 10-year median of 3.69. Over the past 10 years, this metric has ranged from a low of 2.70 to a high of 6.80. The Insurance industry median 5-Year Yield-on-Cost % is 3.99. Cincinnati Financial's value of 2.98 is 25.3% below this industry median. Based on the distribution chart, Cincinnati Financial ranks #272 out of 419 companies in the Insurance industry, which is below the industry midpoint. 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 5-Year Yield-on-Cost % compare to WRB and MKL?
According to the Insurance industry distribution chart, Cincinnati Financial ranks #272 out of 419 companies for 5-Year Yield-on-Cost %. This places Cincinnati Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.99. Cincinnati Financial's value of 2.98 is 25.3% below this benchmark. Historically, Cincinnati Financial's own 5-Year Yield-on-Cost % has ranged from 2.70 to 6.80 over the past decade. While the company's 10-year median is 3.69 vs. the industry median of 3.99, Cincinnati Financial has consistently been below 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.99, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cincinnati Financial's current 5-Year Yield-on-Cost % of 2.98 is 25.3% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Cincinnati Financial and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cincinnati Financial's current 5-Year Yield-on-Cost % is 2.98, which is 19% below median its own 10-year median of 3.69. 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 $165.20, compared to a current price of $175.79 — trading 6.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.98, which is 19% below median its 10-year median of 3.69 and 25.3% below the Insurance industry median of 3.99. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Cincinnati Financial (CINF), the current 5-Year Yield-on-Cost % is 2.98 as of Jul. 15, 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 $175.79 is trading 6.4% above its estimated GF Value™ of $165.20.
GuruFocus considers Cincinnati Financial to be Fairly Valued.
Key valuation signals for CINF:
5-Year Yield-on-Cost %: 2.98 (19% below median its 10-year median of 3.69)
GF Value™: $165.20 vs. price of $175.79 (6.4% above fair value)
Industry Position: 25.3% below the Insurance median (#272 of 419)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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