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Earnings transcript
Read the complete earnings call transcript.
CINF
Cincinnati Financial Corporation
$158.41
0.75
(0.48%)
| Exchange: | NASDAQ |
| Market Cap: | 24.662B |
| Shares Outstanding: | 165.508M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Property & Casualty | |||||
| CEO: | Stephen Michael Spray | |||||
| Full Time Employees: | 5624 | |||||
| Address: |
| |||||
| Website: | https://www.cinfin.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 10,013,000 | 11,337,000 | 12,631,000 |
| Gross Profit | 4,739,000 | 5,600,000 | 6,331,000 |
| EBITDA | 2,442,000 | 3,041,000 | 3,201,000 |
| Operating Income | 2,276,000 | 2,858,000 | 2,980,000 |
| Net Income | 1,843,000 | 2,292,000 | 2,393,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 32,769,000 | 36,501,000 | 41,002,000 |
| Total Liabilities | 20,671,000 | 22,566,000 | 25,091,000 |
| Total Stockholders Equity | 12,098,000 | 13,935,000 | 15,911,000 |
| Total Debt | 874,000 | 875,000 | 861,000 |
| Cash and Cash Equivalents | 907,000 | 983,000 | 1,431,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 2,052,000 | 2,649,000 | 3,112,000 |
| Capital Expenditure | -18,000 | -22,000 | 0 |
| Free Cash Flow | 2,034,000 | 2,627,000 | 3,112,000 |
| Net Income | 1,843,000 | 2,292,000 | 2,393,000 |
| Net Change in Cash | -357,000 | 76,000 | 448,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 10,970,827.306 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 11,772,711.069 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 11,376,175.143 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 2,389,793.389 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 2,564,469.050 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 2,478,090.976 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,350,701.711 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,573,170.896 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,449,920 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 584,543.328 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 627,268.984 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 606,140.912 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 9.130 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 9.970 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 8.560 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 6 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: CINF reported strong results in Q2 2025, with key financial metrics such as revenue and net income showing positive trends as highlighted in the earnings call transcript. The company's ability to exceed expectations in operating income and EPS reflects robust underwriting and pricing strategies.
- Healthy Profitability Metrics: High gross profit margin (TTM) and net profit margin (TTM) indicate efficient cost management and profitability compared to industry peers, supported by data from key metrics.
- Strong Cash Flow Generation: Free cash flow (TTM) remains positive, as per cash flow statements, providing flexibility for dividends and reinvestment. The consistent net cash provided by operating activities underscores operational stability.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates CINF intrinsic value between $162.35 – $244.96 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about CINF valuation
Is Cincinnati Financial Corporation (CINF) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Cincinnati Financial Corporation (CINF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is CINF a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CINF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is CINF’s P/E ratio?
You can see CINF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for CINF?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is CINF a good long-term investment?
Whether CINF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
CINF
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.48
Trading Metrics:
| Open: | 157.34 | Previous Close: | 157.66 | |
| Day Low: | 156.55 | Day High: | 159.86 | |
| Year Low: | 123.02 | Year High: | 174.27 | |
| Price Avg 50: | 162.43 | Price Avg 200: | 158.14 | |
| Volume: | 519274 | Average Volume: | 810166 |
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Login — it's freeCINF full analysis
Welcome to MARKETSNAP’s SWOT analysis for Cincinnati Financial Corporation, also known by its ticker CINF. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this insurance giant to break down its strengths, weaknesses, opportunities, and threats. We’ll also touch on recent performance, key financials, and what’s on the horizon for this company. So, grab a coffee, let’s unpack this together, and see if Cincinnati Financial deserves…
