NASDAQ: CINF
Cincinnati Financial Corporation
Financial Services · Insurance - Property & Casualty
Market Cap
$25.20B
52w High
$174.27
52w Low
$143.37
P/E
9.15
Volume
477.32K
Outstanding Shares
154.69M
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock rose 9.01% over the last year. Revenue grew 17.82% over the trailing twelve months. Operating margin moved from 16.2% to 26.68%. Free cash flow grew 33.27% over the trailing twelve months.
What the market seems to be pricing
The stock has moved higher against modestly improving underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.
What would invalidate this read
Operating margin currently stands at 26.68%. A decisive move in revenue — currently up 17.82% — would be the clearest signal to resolve the ambiguity.
Company profile
Cincinnati Financial Corporation, together with its subsidiaries, provides property casualty insurance products in the United States.
Valuation
Stock splits
Every 20 shares became 21
Every 20 shares became 21
Every 1 shares became 3
Every 20 shares became 21
Every 20 shares became 21
Every 1 shares became 3
Every 20 shares became 21
Every 1 shares became 2
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
9
Buy
7
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Jul 27, 2026
Q3 FY26 · EPS est $1.70 · Revenue est $2.71B
View
Dividends
$3.62/shareQuarterlyDividend Aristocrat · 31yrEx-div Jun 23, 2026 · in 26dSafeCINF pays a dividend with a 2.22% declared yield, 31 consecutive years of growth, growing at 8.03% annually, covered 5.9× by free cash flow.
Declared Yield
2.22%
Annual Div / Share
$3.62
5yr CAGR
+8.03%
Doubles every ~9.0yr
Payout Ratio
19.33%
Safe
Dividend Growth Rate
3yr CAGR
+7.92%
5yr CAGR
+8.03%
10yr CAGR
+6.66%
Dividend History
Annualized dividend cycles per share
Income Projection
Today
$2/mo
In 5 yrs
$3/mo
In 10 yrs
$4/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$22/yr $2/mo | $33/yr+47% $3/mo | $48/yr+117% $4/mo |
Yield-on-cost grows from 2.22% → 4.81% over 10yr
Analysis
Dividend Strengths
Dividend Aristocrat
CINF has raised its dividend for 31 consecutive years — qualifying as a Dividend Aristocrat, demonstrating long-term commitment to shareholder income.
Well-covered by free cash flow
The dividend is covered 5.9× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Strong dividend growth rate
The 5-year CAGR of 8.03% meaningfully outpaces inflation, compounding real income growth for long-term holders.
Risks to Watch
No strong risk signal stands out from the latest period pair.