Cincinnati Financial
NASDAQ: CINF
Stock price
165.25 USD
(+37.61%) 5 years
Financial Performance
5Y price score: 48
The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.
A score of 100 indicates that the stock did as well as the S&P 500 Index.
A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.
10Y return: 154.7%
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150.0
52-week range
194.8
Your model inputs
Your fair value & Margin of safety
To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.
Forecast:
Valuation
Free Cash Flow Yield
13.1 %
Dividend Yield TTM
2.2 %
Market cap $
$ 25,362
Price / Earnings TTM
7.8
Price / Book TTM
1.5
PEG TTM
1.8
Earnings growth and return
LTM
5YR
10YR
Total return (price & dividends)
1.9 %
50.1 %
154.7 %
Free cash flow per share growth
(3.6) %
116.4 %
208 %
Earnings per share growth
85.5 %
102.5 %
296.1 %
Business Summary:
Q&A
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Latest Earnings Call Takeaways
2026 Q2 (Jul 28, 2026)
1) Strategy & Leadership
- Cincinnati Financial continues to execute its strategy effectively, focusing on pricing discipline in a softening property casualty insurance market.
- The company emphasizes strong relationships with independent insurance agents to maintain long-term success.
- Leadership transitions were acknowledged, with Dennis McDaniel retiring after 17 years, highlighting his contributions to investor relations.
2) Financial & Segment Results
- Net income for Q2 2026 was nearly $1.3 billion, including $882 million from after-tax increases in fair value of equity securities.
- Non-GAAP operating income decreased to $224 million, down from $311 million YoY.
- The property casualty combined ratio rose to 100.8%, a 5.9 percentage point increase YoY, with catastrophe losses contributing 2.3 points.
- Premium growth was reported at 3% for consolidated property casualty net written premiums, with commercial lines and excess lines showing strong performance.
- Cincinnati Re's net written premiums grew by 16%, while Cincinnati Global's premiums increased by 1%.
3) Problems / Headwinds
- The company faces a softening market impacting premium growth, particularly in personal lines, where new business premiums have declined.
- The combined ratio for commercial lines worsened to 104.1%, influenced by higher catastrophe losses.
- Increased underwriting expenses and a rising expense ratio were noted, with a 1.2 percentage point increase in the property casualty underwriting expense ratio.
4) Operational or Product Plans
- Cincinnati Financial plans to continue its focus on underwriting expertise, pricing, and risk selection to navigate market challenges.
- The company is committed to improving margins in personal lines despite slowing growth, with ongoing efforts to manage catastrophe risks and enhance underwriting discipline.
- Investment income grew by 12%, driven by higher yields and strong cash flow, with a focus on maintaining a robust investment portfolio.
5) Guidance & Outlook / Investor Angle
- The company remains optimistic about its long-term growth prospects, particularly in high net worth personal lines, despite current pressures.
- Leadership expressed confidence in finishing the year strong, with plans to maintain pricing discipline and operational efficiency.
- The transcript lacks specific forward-looking guidance on expense management and technology investments, which could provide clearer insights into future performance.
Bottom line: Cincinnati Financial's Q2 2026 results reflect solid execution of its strategic priorities despite market headwinds, with a focus on maintaining profitability and strong agent relationships. The company is well-positioned for long-term growth, particularly in high net worth segments, although it faces challenges in premium growth and expense management.
Annual Reports, Presentations And IR Contacts
Go to the websiteCincinnati Financial — Financial Overview, Stock Price, Market Cap
Cincinnati Financial is a company. Founded in 1950. As of October 9, 2026, the company's market capitalization is $25362246936 with a current stock price of $165.25.
