Cincinnati Financial Corporation (CINF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Cincinnati Financial Corporation stock (CINF) is currently trading at $158.43. Cincinnati Financial Corporation PE ratio is 10.44. Cincinnati Financial Corporation PS ratio (Price-to-Sales) is 1.96. Analyst consensus price target for CINF is $173.67. WallStSmart rates CINF as Buy.
- CINF PE ratio analysis and historical PE chart
- CINF PS ratio (Price-to-Sales) history and trend
- CINF intrinsic value — DCF, Graham Number, EPV models
- CINF stock price prediction 2025 2026 2027 2028 2029 2030
- CINF fair value vs current price
- CINF insider transactions and insider buying
- Is CINF undervalued or overvalued?
- Cincinnati Financial Corporation financial analysis — revenue, earnings, cash flow
- CINF Piotroski F-Score and Altman Z-Score
- CINF analyst price target and Smart Rating
Cincinnati Financial Corporation
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CINF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Cincinnati Financial Corporation (CINF)
CINF trades at a significant discount to its Graham intrinsic value of $710.42, offering a 77% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Cincinnati Financial Corporation (CINF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, operating margin, price/sales. Overall metrics suggest strong investment potential with favorable risk/reward.
Cincinnati Financial Corporation (CINF) Key Strengths (9)
Earnings per share surging 67.30% year-over-year
71.13% of shares held by major funds and institutions
Large-cap company with substantial market presence
Strong operational efficiency: $28 kept per $100 revenue
Paying $1.96 for every $1 of annual revenue
Trading at 1.55x book value, attractively priced
Strong revenue growth at 21.80% annually
Strong profitability: $19 kept per $100 revenue
Solid profitability: $16 profit per $100 equity
Supporting Valuation Data
Cincinnati Financial Corporation (CINF) Areas to Watch (1)
Paying a premium for growth, expensive relative to earnings expansion
Cincinnati Financial Corporation (CINF) Detailed Analysis Report
Overall Assessment
This company scores 79/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 9 register as strengths (avg 8.4/10) while 1 fall into concern territory (avg 4.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on EPS Growth, Institutional Own., Market Cap. Valuation metrics including Price/Sales (1.96), Price/Book (1.55) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 16.00%, Operating Margin at 27.60%, Profit Margin at 19.00%. Growth metrics are encouraging with Revenue Growth at 21.80%, EPS Growth at 67.30%.
The Bear Case
The primary concerns are PEG Ratio. Some valuation metrics including PEG Ratio (2.19) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 16.00% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 21.80% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of EPS Growth and Institutional Own. makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WallStSmart Analysis Synopsis
Data-driven financial summary for Cincinnati Financial Corporation (CINF) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Cincinnati Financial Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 12.6B with 22% growth year-over-year. Profit margins of 19.0% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 1600.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 937M in free cash flow and 947M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Growth sustainability: can Cincinnati Financial Corporation maintain 22%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Cincinnati Financial Corporation.
Bottom Line
Cincinnati Financial Corporation offers an attractive blend of growth (22% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(265 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 9:44:32 AM
About Cincinnati Financial Corporation(CINF)
NASDAQ
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Cincinnati Financial Corporation offers property and casualty insurance, its main business, through The Cincinnati Insurance Company, The Cincinnati Indemnity Company and The Cincinnati Casualty Company.