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Cincinnati Financial Corporation (CINF) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Cincinnati Financial Corporation

CINFMarket cap $25BPrice $161.6

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Sells property, casualty, life, and specialty insurance through independent agents across the US. Has raised its dividend for over 60 straight years, one of the longest streaks in the entire stock market.

In Bastion Portfolios?

52W Return+7%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+24%9

Revenue Forecast

Rev CAGR (1y)+5%4

Rev CAGR (3y)+1%1

Rev CAGR (5y)+1%2

Earnings Forecast

EPS Growth Y+1-44%2

EPS Growth Y+2+6%5

EPS Growth Y+3+3%5

Quality

Margins

EBIT Margin30%9

Net Income Margin24%8

Free Cash Flow Margin24%9

Debt

Net Debt/EBITDA-0.210

Efficiency

ROE21%8

ROA8%8

Earnings Stability33

GEAR+STRONG71

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)184

P/E Ratio (Forward 3y)174

P/BV1.58

EV Multiples

EV/EBITDA Fwd04

EV/EBIT Fwd04

Yield

Free Cash Flow Yield0.0%10

Dividend Yield2.3%6

Momentum

Short term

1 month return-4%6

3 month return-10%3

YTD return+1%5

Mid term

Price vs 52wHigh83%6

1 year return-0%5

Long term

3 year return+73%7

5 year return+52%6

Risk Shield

Price Risk

Beta0.58

Volatility21%9

Free Cash Flow

Free Cash Flow Margin24%9

Free Cash Flow Yield0.0%10

Quality

ROCE12%8

Earnings Stability33

Net Debt/EBITDA-0.210

02Growth

Is it actually growing, and how fast?

CINFCincinnati Financial

Revenue FY25$12.6B

GROWTH RATING↗

WEAK16 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+24%9

Revenue, next 1Y+5%4

Revenue, next 3Y, CAGR+1%1

Revenue, next 5Y, CAGR+1%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-44%2

EPS growth, FY27E+6%5

EPS growth, FY28E+3%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 24%/yr over the last 3 years, ahead of 80% of companies worldwide.9/10

WATCH

Revenue grew 24%/yr over the last 3 years; forecasts see it cooling to 0.8%/yr.

Earnings are set to grow in step with sales (EPS about 3%/yr vs revenue 0.8%/yr). One year dips: EPS falls 44% next year.

WEAKNESSES

Growth is the weak spot here, trailing 84% of companies worldwide.

Revenue is set to grow 0.8%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 1%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE45 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%6

3-month return-10%3

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return-0%5

3-year return+73%7

5-year return+52%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +73% over three years and +52% over five, ahead of 60% of the market.

WATCH

It's down 0.2% over the past year, now 17% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-4%) and so far this year (+1%).

WEAKNESSES

The stock is underperforming over three months (-10%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over three months.

04Value

Are you paying a fair price for it?

Stop guessing on Cincinnati Fin. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

CINFCincinnati Financial

Revenue FY25$12.6B

GROWTH RATING↗

WEAK16 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+24%9

Revenue, next 1Y+5%4

Revenue, next 3Y, CAGR+1%1

Revenue, next 5Y, CAGR+1%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-44%2

EPS growth, FY27E+6%5

EPS growth, FY28E+3%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 24%/yr over the last 3 years, ahead of 80% of companies worldwide.9/10

WATCH

Revenue grew 24%/yr over the last 3 years; forecasts see it cooling to 0.8%/yr.

Earnings are set to grow in step with sales (EPS about 3%/yr vs revenue 0.8%/yr). One year dips: EPS falls 44% next year.

WEAKNESSES

Growth is the weak spot here, trailing 84% of companies worldwide.

Revenue is set to grow 0.8%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 1%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE45 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%6

3-month return-10%3

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return-0%5

3-year return+73%7

5-year return+52%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +73% over three years and +52% over five, ahead of 60% of the market.

WATCH

It's down 0.2% over the past year, now 17% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-4%) and so far this year (+1%).

WEAKNESSES

The stock is underperforming over three months (-10%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over three months.

04Value

Are you paying a fair price for it?

Stop guessing on Cincinnati Fin. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community