US · CINF
Cincinnati Financial Corporation
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Fairfield, OH 45014-5141
- Website
- cinfin.com
Price · as of 2025-12-31
$162.05
Market cap 25.58B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $165.18 | +1.93% |
| Intrinsic Value(DCF) | $762.81 | +370.73% |
| Graham-Dodd Method(GD) | $126.79 | -21.76% |
| Graham Formula(GF) | $288.76 | +78.19% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $22.94 | $15.74 | $23.37 | $12.56 | $8.94 |
| 2012 | $31.67 | $19.02 | $8.81 | $27.94 | $40.60 |
| 2013 | $33.86 | $26.15 | $7.55 | $28.48 | $55.91 |
| 2014 | $38.99 | $29.82 | $7.37 | $30.75 | $54.36 |
| 2015 | $50.43 | $35.97 | $9.70 | $32.31 | $46.27 |
| 2016 | $58.16 | $41.45 | $9.10 | $32.95 | $49.79 |
| 2017 | $62.63 | $45.12 | $0.00 | $45.45 | $83.34 |
| 2018 | $70.68 | $35.82 | $6.83 | $33.35 | $4.85 |
| 2019 | $84.00 | $107.32 | $715.63 | $88.00 | $637.72 |
| 2020 | $95.10 | $84.39 | $210.98 | $69.26 | $26.51 |
| 2021 | $109.92 | $115.30 | $1,044.77 | $136.58 | $640.09 |
| 2022 | $104.21 | $51.71 | $54.71 | $11.03 | $68.35 |
| 2023 | $111.76 | $118.49 | $735.60 | $91.56 | $681.45 |
| 2024 | $136.81 | $112.82 | $644.07 | $115.19 | $304.18 |
| 2025 | $169.98 | $165.18 | $1,169.81 | $126.79 | $288.76 |
AI valuation
Our deep-learning model estimates Cincinnati Financial Corporation's (CINF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $165.18
- Current price
- $162.05
- AI upside
- +1.93%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$762.81
+370.73% upside
Graham-Dodd
$126.79
-21.76% upside
Graham Formula
$288.76
+78.19% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CINF | Cincinnati Financial Corp… | $162.05 | 25.58B | +2% | +371% | -22% | +78% | 11.21 | 1.69 | 2.12 | 8.21 | 254.39 | 1.69 | 50.12% | 23.59% | 18.95% | 16.04% | 37.65% | 6.18% | 0.06 | 562.26 | 1.66 | 5.31 | -0.17 | 440.00% | 1141.00% | 1846.00% | 11.61% | 3.61 | 48.96% | 1.96% | 21.90% | 3.59% | 8.81 | 8.44 | 2.08 | 1.78 |
| FCNCA | First Citizens BancShares… | $1,898.15 | 23.26B | +71% | +34% | +30% | -51% | 10.93 | 1.08 | 1.66 | 11.56 | — | 1.11 | 61.44% | 20.49% | 15.22% | 9.92% | 10.77% | 0.97% | 1.62 | 0.60 | 1.03 | 1.03 | 4.53 | -1249.00% | -297.00% | 4253.00% | 8.59% | 0.02 | 10.11% | 0.67% | 7.30% | 13.22% | 13.22 | 18.97 | 2.71 | 0.33 |
| HBAN | Huntington Bancshares Inc… | $16.80 | 24.85B | +58% | -11% | -43% | +10% | 11.26 | 1.03 | 2.01 | 5.83 | 80.81 | 1.43 | 61.70% | 21.53% | 17.71% | 10.11% | 13.11% | 1.04% | 0.76 | 0.62 | 0.19 | 0.19 | 6.21 | 1393.00% | 438.00% | 3624.00% | 9.08% | 0.02 | 13.40% | 4.05% | 45.60% | 4.05% | 5.83 | 6.88 | 1.25 | -0.43 |
| L | Loews Corporation | $110.02 | 22.74B | -38% | -23% | +13% | -4% | 13.24 | 1.26 | 1.29 | 7.51 | 54.40 | 1.35 | 43.93% | 12.56% | 9.17% | 9.91% | 9.00% | 2.11% | 0.51 | 5.22 | 0.00 | 0.46 | 2.70 | 2434.00% | 544.00% | 1283.00% | 11.51% | 0.08 | 13.72% | 0.22% | 2.90% | 3.66% | 10.96 | 9.27 | 1.38 | 0.23 |
| MKL | Markel Corporation | $2,072.47 | 26.13B | -32% | -11% | -0% | -43% | 12.54 | 1.42 | 1.59 | 1.37 | — | 1.86 | 69.38% | 16.47% | 12.70% | 11.87% | 29.56% | 3.62% | 0.00 | 13.27 | — | — | -1.57 | -1510.00% | -96.00% | 921.00% | 9.67% | — | 35.08% | 0.00% | 0.00% | 22.93% | 1.47 | 1.57 | 0.24 | 0.28 |
| NTRS | Northern Trust Corporatio… | $143.09 | 27.06B | -13% | +44% | -55% | — | 15.68 | 2.10 | 1.90 | -6.26 | — | 2.22 | 56.54% | 16.30% | 12.15% | 13.49% | -5.57% | 1.04% | 1.27 | 0.38 | 0.41 | 0.41 | -13.90 | -1054.00% | -993.00% | -54933.00% | 20.32% | 0.04 | -17.81% | 2.17% | 34.10% | 58.34% | -8.63 | -3.64 | -1.41 | -0.30 |
| WRB | W. R. Berkley Corporation | $71.70 | 27.25B | +42% | -21% | -34% | -2% | 16.33 | 2.96 | 1.98 | 13.15 | 791.02 | 2.96 | 19.81% | 15.87% | 12.10% | 19.55% | -319.05% | 6.66% | 0.29 | 18.40 | — | — | 0.15 | 206.00% | 782.00% | -448.00% | 11.75% | — | -596.00% | 0.00% | 0.00% | 1.76% | 13.36 | 9.14 | 2.12 | 1.41 |
About Cincinnati Financial Corporation
Cincinnati Financial Corporation, together with its subsidiaries, provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty, commercial property, commercial auto, and workers' compensation. It also provides director and officer liability insurance, contract and commercial surety bonds, and fidelity bonds; and machinery and equipment coverage. The Personal Lines Insurance segment offers personal auto insurance; homeowner insurance; and dwelling fire, inland marine, personal umbrella liability, and watercraft coverages to individuals. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance products; universal life insurance products; worksite products, such as term life; and whole life insurance products. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. Cincinnati Financial Corporation was founded in 1950 and is headquartered in Fairfield, Ohio.
- CEO
- Stephen Michael Spray
- Employees
- 5.62K
- Beta
- 0.65
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($762.81 ÷ $162.05) − 1 = +370.73% (DCF, example).