Cincinnati Financial (CINF)
Market Price (5/11/2026): $161.58 | Market Cap: $25.1 BilSector: Financials | Industry: Property & Casualty Insurance
Cincinnati Financial (CINF)
Market Price (5/11/2026): $161.58Market Cap: $25.1 BilSector: FinancialsIndustry: Property & Casualty Insurance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.9%, FCF Yield is 14% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 27%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%, CFO LTM is 3.5 Bil, FCF LTM is 3.4 Bil Low stock price volatilityVol 12M is 20% Megatrend and thematic driversMegatrends include AI in Financial Services, and Fintech & Digital Payments. Themes include AI for Fraud Detection, and Wealth Management Technology. | Weak multi-year price returns3Y Excs Rtn is -14% | Key risksCINF key risks include [1] stock market downturns negatively impacting its significant equity portfolio. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.9%, FCF Yield is 14% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 27%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%, CFO LTM is 3.5 Bil, FCF LTM is 3.4 Bil |
| Low stock price volatilityVol 12M is 20% |
| Megatrend and thematic driversMegatrends include AI in Financial Services, and Fintech & Digital Payments. Themes include AI for Fraud Detection, and Wealth Management Technology. |
| Weak multi-year price returns3Y Excs Rtn is -14% |
| Key risksCINF key risks include [1] stock market downturns negatively impacting its significant equity portfolio. |
Qualitative Assessment
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1. Mixed Q4 2025 and Q1 2026 Earnings Performance and Outlook.
Cincinnati Financial reported strong fourth-quarter 2025 results on February 9, 2026, with net income increasing 67% year-over-year to $676 million, or $4.29 per share, and non-GAAP operating income rising 7% to $531 million, or $3.37 per share. The property casualty combined ratio was an outstanding 85.2%. Subsequently, for the first quarter of 2026, reported on April 27, 2026, the company achieved a net income of $274 million, or $1.75 per share, a significant improvement from a net loss in the prior-year quarter. Non-GAAP operating income for Q1 2026 was $330 million, or $2.10 per share, surpassing analyst estimates by $0.11. This performance was partly driven by a $233 million decrease in after-tax catastrophe losses compared to the previous year. However, book value per share at March 31, 2026, decreased by $0.75 from year-end, and some analysts noted that while improved, profitability remains structurally weaker than peers, making earnings more reliant on volatile investment income. The blend of solid earnings but noted vulnerabilities contributed to a largely stable stock valuation.
2. Consistent Dividend Increase Reinforcing Shareholder Value.
On January 30, 2026, Cincinnati Financial announced an 8% increase in its regular quarterly cash dividend to $0.94 per share, marking the 66th consecutive year of dividend increases. This long-standing commitment to returning capital to shareholders, reflected in its industry-leading record of dividend growth, likely provided a floor for the stock price and appealed to income-focused investors, thereby reducing significant downward pressure and contributing to its stable trend.
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Stock Movement Drivers
Fundamental Drivers
The 1.0% change in CINF stock from 1/31/2026 to 5/10/2026 was primarily driven by a 21.4% change in the company's Net Income Margin (%).| (LTM values as of) | 1312026 | 5102026 | Change |
|---|---|---|---|
| Stock Price ($) | 159.95 | 161.50 | 1.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 12,078 | 12,928 | 7.0% |
| Net Income Margin (%) | 17.6% | 21.3% | 21.4% |
| P/E Multiple | 11.8 | 9.1 | -22.7% |
| Shares Outstanding (Mil) | 156 | 155 | 0.5% |
| Cumulative Contribution | 1.0% |
Market Drivers
1/31/2026 to 5/10/2026| Return | Correlation | |
|---|---|---|
| CINF | 1.0% | |
| Market (SPY) | 3.6% | 18.3% |
| Sector (XLF) | -3.6% | 44.3% |
Fundamental Drivers
The 5.6% change in CINF stock from 10/31/2025 to 5/10/2026 was primarily driven by a 21.4% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 5102026 | Change |
|---|---|---|---|
| Stock Price ($) | 152.88 | 161.50 | 5.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 12,078 | 12,928 | 7.0% |
| Net Income Margin (%) | 17.6% | 21.3% | 21.4% |
| P/E Multiple | 11.2 | 9.1 | -19.1% |
| Shares Outstanding (Mil) | 156 | 155 | 0.5% |
| Cumulative Contribution | 5.6% |
Market Drivers
10/31/2025 to 5/10/2026| Return | Correlation | |
|---|---|---|
| CINF | 5.6% | |
| Market (SPY) | 5.5% | 12.6% |
| Sector (XLF) | -1.3% | 42.7% |
Fundamental Drivers
The 18.7% change in CINF stock from 4/30/2025 to 5/10/2026 was primarily driven by a 61.6% change in the company's Net Income Margin (%).| (LTM values as of) | 4302025 | 5102026 | Change |
|---|---|---|---|
| Stock Price ($) | 136.09 | 161.50 | 18.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 10,968 | 12,928 | 17.9% |
| Net Income Margin (%) | 13.2% | 21.3% | 61.6% |
| P/E Multiple | 14.7 | 9.1 | -38.2% |
| Shares Outstanding (Mil) | 156 | 155 | 0.7% |
| Cumulative Contribution | 18.7% |
Market Drivers
4/30/2025 to 5/10/2026| Return | Correlation | |
|---|---|---|
| CINF | 18.7% | |
| Market (SPY) | 30.4% | 27.6% |
| Sector (XLF) | 6.7% | 53.3% |
Fundamental Drivers
The 63.7% change in CINF stock from 4/30/2023 to 5/10/2026 was primarily driven by a 40344.4% change in the company's Net Income Margin (%).| (LTM values as of) | 4302023 | 5102026 | Change |
|---|---|---|---|
| Stock Price ($) | 98.65 | 161.50 | 63.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 7,586 | 12,928 | 70.4% |
| Net Income Margin (%) | 0.1% | 21.3% | 40344.4% |
| P/E Multiple | 3,876.9 | 9.1 | -99.8% |
| Shares Outstanding (Mil) | 157 | 155 | 1.2% |
| Cumulative Contribution | 63.7% |
Market Drivers
4/30/2023 to 5/10/2026| Return | Correlation | |
|---|---|---|
| CINF | 63.7% | |
| Market (SPY) | 78.7% | 39.5% |
| Sector (XLF) | 62.1% | 62.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CINF Return | 33% | -8% | 4% | 42% | 16% | -0% | 111% |
| Peers Return | 37% | 12% | 7% | 24% | 17% | -3% | 131% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 7% | 95% |
Monthly Win Rates [3] | |||||||
| CINF Win Rate | 67% | 50% | 50% | 75% | 50% | 40% | |
| Peers Win Rate | 60% | 58% | 60% | 65% | 62% | 40% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| CINF Max Drawdown | -4% | -20% | -5% | 0% | -11% | -5% | |
| Peers Max Drawdown | -3% | -11% | -18% | -1% | -7% | -10% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: CB, TRV, AIG, HIG, PRU. See CINF Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/8/2026 (YTD)
How Low Can It Go
| Event | CINF | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -23.7% | -6.7% |
| % Gain to Breakeven | 31.1% | 7.1% |
| Time to Breakeven | 273 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -19.4% | -24.5% |
| % Gain to Breakeven | 24.0% | 32.4% |
| Time to Breakeven | 62 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -40.5% | -33.7% |
| % Gain to Breakeven | 67.9% | 50.9% |
| Time to Breakeven | 394 days | 140 days |
| 2016-2017 Trump Reflation Bond Selloff | ||
| % Loss | -10.1% | -3.7% |
| % Gain to Breakeven | 11.2% | 3.9% |
| Time to Breakeven | 19 days | 6 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -10.0% | -12.2% |
| % Gain to Breakeven | 11.1% | 13.9% |
| Time to Breakeven | 44 days | 62 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -15.4% | -17.9% |
| % Gain to Breakeven | 18.2% | 21.8% |
| Time to Breakeven | 72 days | 123 days |
In The Past
Cincinnati Financial's stock fell -6.6% during the 2025 US Tariff Shock. Such a loss loss requires a 7.1% gain to breakeven.
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| Event | CINF | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -23.7% | -6.7% |
| % Gain to Breakeven | 31.1% | 7.1% |
| Time to Breakeven | 273 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -40.5% | -33.7% |
| % Gain to Breakeven | 67.9% | 50.9% |
| Time to Breakeven | 394 days | 140 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -52.9% | -53.4% |
| % Gain to Breakeven | 112.3% | 114.4% |
| Time to Breakeven | 711 days | 1085 days |
In The Past
Cincinnati Financial's stock fell -6.6% during the 2025 US Tariff Shock. Such a loss loss requires a 7.1% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Cincinnati Financial (CINF)
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A comprehensive insurance provider for individuals and businesses, similar to a regional Allstate.
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- Commercial Property Casualty Insurance: Provides businesses with coverage for third-party liability, property damage, commercial auto incidents, workers' compensation, and specialized risks like director and officer liability.
- Personal Property Casualty Insurance: Offers individuals coverage for personal automobiles, homes, dwelling fires, inland marine, personal umbrella liability, and watercraft.
- Life Insurance Products: Includes various types of life insurance such as term, universal, whole, and worksite products.
- Surety and Fidelity Bonds: Guarantees contract performance for businesses and protects against financial losses due to employee dishonesty.
- Commercial Leasing and Financing Services: Provides financial solutions to businesses through leasing and direct financing.
- Insurance Brokerage Services: Facilitates the placement of insurance policies for clients as an intermediary.
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Major Customers of Cincinnati Financial (CINF)
Cincinnati Financial Corporation serves a diverse customer base, primarily consisting of a broad range of businesses and individuals who purchase their various insurance products and financial services. The company does not publicly disclose specific major corporate customers by name. Instead, its customer base can be categorized as follows:
- Businesses: This comprehensive category includes a wide array of commercial entities, from small to medium-sized businesses, that seek coverage for commercial casualty, commercial property, commercial auto, and workers' compensation. It also encompasses businesses requiring specialized insurance products such as director and officer liability, contract and commercial surety bonds, fidelity bonds, machinery and equipment coverage, and excess and surplus lines insurance for unique or higher-risk needs. Additionally, businesses utilizing Cincinnati Financial's commercial leasing and financing services fall into this category.
- Homeowners and Drivers: This segment comprises individual customers and households purchasing personal lines of insurance. These include personal auto insurance, homeowner insurance, dwelling fire, inland marine, personal umbrella liability, and watercraft coverages.
- Life Insurance Policyholders: Individuals are also customers for Cincinnati Financial's life insurance segment, acquiring term life insurance, universal life insurance, worksite products, and whole life insurance products for personal financial planning and protection.
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Stephen M. Spray President and Chief Executive Officer
Stephen M. Spray became Chief Executive Officer of Cincinnati Financial Corporation in May 2024, having served as President since 2022. He joined Cincinnati Financial in 1991 and has held various positions of increasing responsibility, including roles in underwriting, sales/marketing, and commercial lines leadership. Mr. Spray was instrumental in the formation of The Cincinnati Specialty Underwriters Insurance Company in 2007. He led the company's commercial lines operations from 2016 to 2019 and served as chief insurance officer of the property casualty subsidiaries from 2019 to 2022.
Michael J. Sewell Chief Financial Officer, Executive Vice President and Treasurer
Michael J. Sewell serves as Chief Financial Officer, Executive Vice President, and Treasurer (Principal Accounting Officer) of Cincinnati Financial Corporation. He has been an executive officer since at least 2011. Prior to joining Cincinnati Financial, Mr. Sewell was a Partner at Deloitte & Touche LLP. He holds an undergraduate degree from the University of Dayton.
Steven J. Johnston Chairman of the Board
Steven J. Johnston is the Chairman of the Board of Cincinnati Financial Corporation. He previously served as President and Chief Executive Officer of the company, a role he assumed in May 2011. Mr. Johnston joined Cincinnati Financial in 2008 as chief financial officer, coming from State Auto Financial Corporation where he was also chief financial officer.
Steven A. Soloria Chief Investment Officer and Executive Vice President
Steven A. Soloria is the Chief Investment Officer and Executive Vice President of Cincinnati Financial Corporation.
Thomas C. Hogan Chief Legal Officer, Executive Vice President, and Corporate Secretary
Thomas C. Hogan serves as Chief Legal Officer, Executive Vice President, and Corporate Secretary for Cincinnati Financial Corporation.
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Cincinnati Financial (CINF) faces several key risks to its business, primarily stemming from the inherent nature of the insurance industry and its investment activities.1. Catastrophic Events and Climate Change
As a property and casualty insurer, Cincinnati Financial is highly exposed to losses from natural disasters and catastrophic events, which are increasing in frequency and severity, potentially exacerbated by climate change. This trend poses a significant threat to the company's financial stability, impacting underwriting profitability and requiring continuous refinement of risk management and pricing strategies.
2. Investment Volatility
Cincinnati Financial maintains a substantial investment portfolio, including a significant allocation to equity investments. Fluctuations in the financial markets can introduce considerable volatility to the company's net income and overall profitability. While a strong market can boost returns, a significant or prolonged decline in stock market values could negatively affect its large equity portfolio and book value, leading to unpredictable swings in reported earnings.
3. Regulatory, Economic, and Social Inflationary Pressures
The insurance industry is heavily regulated, and changes in laws or regulations can significantly impact Cincinnati Financial's operations. Furthermore, the company is susceptible to broader economic fluctuations, such as interest rate changes and economic inflation, which affect investment income and claim severity. Social inflation, characterized by increasing claim settlements and litigation trends, also drives up the cost of claims, particularly in commercial and liability lines, thereby challenging profitability and necessitating continuous adjustments to underwriting and pricing models.
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The clear emerging threat to Cincinnati Financial is the rise of digitally native insurtech companies. These new entrants leverage advanced technologies such as artificial intelligence, machine learning, and big data analytics to offer more efficient, personalized, and often lower-cost insurance products across various lines, including commercial, personal, and life insurance. Their innovative distribution models, often direct-to-consumer or embedded within other services, bypass traditional agency networks and challenge established insurers' underwriting processes, claims handling, and customer experience, potentially eroding market share and profitability for companies like Cincinnati Financial.
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Cincinnati Financial Corporation's main products and services operate within the following addressable markets in the United States:
- Commercial Lines Insurance: The U.S. commercial insurance market was valued at approximately USD 294.6 billion in 2024 and is projected to grow to USD 489.1 billion by 2033. Another estimate indicates the U.S. Commercial Insurance Market was valued at USD 271.93 billion in 2025, with an expectation to reach USD 416.83 billion by 2035. Commercial lines typically account for about half of the total U.S. property/casualty insurance industry premium. Total direct written premiums for the U.S. property/casualty business reached $1.05 trillion in 2024.
- Personal Lines Insurance: The U.S. personal lines insurance market was estimated at USD 15.24 billion in 2024 and is projected to reach USD 24.38 billion by 2032. Another source indicates that personal lines of business, including homeowners, farmowners, and private auto insurance, collectively amounted to $534.92 billion in 2024. Personal lines insurance represents over 54% of the U.S. property and casualty insurance sector's net written premiums in 2024.
- Excess and Surplus Lines Insurance: The U.S. excess and surplus (E&S) lines market surpassed $100 billion in direct premiums written in 2023, growing to approximately $131 billion in 2024. Other data suggests U.S. E&S direct premiums written were $86.47 billion in 2023 and nearly $100 billion ($98.2 billion) in 2024. E&S premiums constituted about 9.5% of the total U.S. direct premiums written in 2024.
- Life Insurance: The U.S. life insurance market generated revenue of USD 504.37 billion in 2020 and is projected to reach USD 848.14 billion by 2027. A separate estimate valued the U.S. life insurance market size at USD 1.93 trillion in 2024, with a projection to reach approximately USD 4.74 trillion by 2034. Total direct written premiums and deposits for the life insurance industry in the U.S. increased to $1.4 trillion in 2024.
- Commercial Leasing and Financing Services: The revenue for the Commercial Leasing industry in the U.S. is estimated at $276.7 billion in 2026. The broader U.S. commercial real estate market was valued at $22.5 trillion as of the fourth quarter of 2023. Commercial real estate mortgage borrowing and lending totaled an estimated $498 billion in 2024. The United States Commercial Real Estate Market size is estimated at USD 1.74 trillion in 2026.
- Insurance Brokerage Services: The United States insurance brokerage market was valued at USD 140.38 billion in 2025 and is estimated to reach USD 145.8 billion in 2026, with a forecast of USD 176.14 billion by 2031. Another source reports the market size of Insurance Brokers & Agencies in the U.S. as $261.7 billion in 2025.
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Expected Drivers of Future Revenue Growth for Cincinnati Financial (CINF)
Cincinnati Financial is expected to drive future revenue growth over the next 2-3 years through several key strategies:- Strategic Pricing and Rate Increases: The company is employing prudent and strategic pricing, including rate increases across its insurance lines, to boost premiums. This approach is a crucial factor in enhancing the company's top-line revenue.
- Expansion of Excess and Surplus (E&S) Lines: Cincinnati Financial is actively accelerating and expanding its Excess and Surplus lines segment, with a strategic priority for continued double-digit growth in this area. This expansion includes broadening its product offerings and geographic reach within specialty markets.
- Agency Network Expansion and New Business Growth: The company maintains an agent-focused business model, emphasizing deepening relationships with its independent agency partners and expanding its network. This strategy aims to increase market penetration and drive new business written premiums across its commercial and personal lines.
- Growth in Investment Income: Rising interest income from fixed-maturity securities and overall investment income growth are expected to significantly enhance Cincinnati Financial's net investment income, which is a substantial component of its total revenue.
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Share Repurchases
- No shares were repurchased by Cincinnati Financial during the second quarter of 2025.
- While financing cash flow for the trailing twelve months ending September 30, 2025, included outflows for share repurchases, specific dollar amounts for recent repurchases were not explicitly detailed in the available information.
Share Issuance
- Cincinnati Financial reported $0.0 in common stock issued over the last 12 months.
- The number of shares outstanding for Cincinnati Financial has seen slight declines in recent years, with a 0.06% decrease in 2025 from 2024, a 0.19% decline in 2024 from 2023, and a 0.44% decline in 2023 from 2022.
Outbound Investments
- Cincinnati Financial significantly grew its total investment portfolio, which reached $31.783 billion at year-end 2025, up from $28.378 billion a year earlier.
- The company's long-term investments for 2024 were $28.378 billion, marking an 11.91% increase from 2023.
- Active management of the investment portfolio included $492 million in fixed-maturity security purchases during the first six months of 2025, contributing to investment income growth.
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Trade Ideas
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|---|---|---|---|---|---|---|---|
| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
| 03312020 | CINF | Cincinnati Financial | Dip Buy | DB | Growth | FCF YieldDip Buy with Growth and High Free Cash Flow YieldBuying dips for companies with growth, and significant free cash flow yield (FCF / Market Cap) | 5.1% | 40.9% | -35.7% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 146.76 |
| Mkt Cap | 38.8 |
| Rev LTM | 38,696 |
| Op Inc LTM | - |
| FCF LTM | 7,802 |
| FCF 3Y Avg | 6,106 |
| CFO LTM | 7,884 |
| CFO 3Y Avg | 6,196 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.2% |
| Rev Chg 3Y Avg | 8.6% |
| Rev Chg Q | 8.1% |
| QoQ Delta Rev Chg LTM | 1.9% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 20.3% |
| FCF/Rev LTM | 21.9% |
| FCF/Rev 3Y Avg | 20.0% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 38.8 |
| P/S | 1.4 |
| P/Op Inc | - |
| P/EBIT | 7.2 |
| P/E | 9.6 |
| P/CFO | 6.7 |
| Total Yield | 12.7% |
| Dividend Yield | 1.9% |
| FCF Yield 3Y Avg | 13.7% |
| D/E | 0.1 |
| Net D/E | -0.6 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -0.2% |
| 3M Rtn | -2.0% |
| 6M Rtn | 1.6% |
| 12M Rtn | 8.5% |
| 3Y Rtn | 66.6% |
| 1M Excs Rtn | -10.1% |
| 3M Excs Rtn | -8.7% |
| 6M Excs Rtn | -5.9% |
| 12M Excs Rtn | -23.1% |
| 3Y Excs Rtn | -13.2% |
Price Behavior
| Market Price | $161.50 | |
| Market Cap ($ Bil) | 25.1 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -5.9% | |
| 50 Days | 200 Days | |
| DMA Price | $162.34 | $158.77 |
| DMA Trend | up | indeterminate |
| Distance from DMA | -0.5% | 1.7% |
| 3M | 1YR | |
| Volatility | 20.8% | 19.8% |
| Downside Capture | 0.40 | 0.23 |
| Upside Capture | 35.31 | 44.65 |
| Correlation (SPY) | 25.3% | 26.7% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.41 | 0.40 | 0.26 | 0.16 | 0.44 | 0.58 |
| Up Beta | 0.36 | 0.23 | 0.34 | 0.43 | 0.71 | 0.65 |
| Down Beta | -3.45 | 0.21 | 0.00 | -0.18 | 0.14 | 0.61 |
| Up Capture | 46% | 47% | 36% | 24% | 37% | 25% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 14 | 22 | 34 | 68 | 141 | 406 |
| Down Capture | 61% | 56% | 22% | 6% | 44% | 72% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 8 | 21 | 30 | 57 | 111 | 344 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CINF | |
|---|---|---|---|---|
| CINF | 13.8% | 19.7% | 0.54 | - |
| Sector ETF (XLF) | 5.2% | 14.6% | 0.13 | 52.7% |
| Equity (SPY) | 29.0% | 12.5% | 1.83 | 26.8% |
| Gold (GLD) | 39.8% | 27.0% | 1.22 | -7.2% |
| Commodities (DBC) | 50.6% | 18.0% | 2.21 | -14.2% |
| Real Estate (VNQ) | 13.0% | 13.5% | 0.66 | 46.7% |
| Bitcoin (BTCUSD) | -17.4% | 42.1% | -0.34 | 11.5% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CINF | |
|---|---|---|---|---|
| CINF | 9.7% | 25.6% | 0.35 | - |
| Sector ETF (XLF) | 8.9% | 18.6% | 0.36 | 65.8% |
| Equity (SPY) | 12.8% | 17.1% | 0.59 | 48.6% |
| Gold (GLD) | 20.9% | 17.9% | 0.95 | 0.8% |
| Commodities (DBC) | 13.8% | 19.1% | 0.59 | 10.3% |
| Real Estate (VNQ) | 3.4% | 18.8% | 0.08 | 46.4% |
| Bitcoin (BTCUSD) | 7.0% | 56.0% | 0.34 | 14.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CINF | |
|---|---|---|---|---|
| CINF | 12.3% | 28.8% | 0.45 | - |
| Sector ETF (XLF) | 12.6% | 22.2% | 0.52 | 69.7% |
| Equity (SPY) | 15.1% | 17.9% | 0.72 | 57.8% |
| Gold (GLD) | 13.4% | 15.9% | 0.69 | -0.5% |
| Commodities (DBC) | 9.3% | 17.8% | 0.44 | 17.3% |
| Real Estate (VNQ) | 5.8% | 20.7% | 0.24 | 54.8% |
| Bitcoin (BTCUSD) | 67.8% | 66.9% | 1.07 | 10.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/27/2026 | -0.4% | -3.7% | |
| 2/9/2026 | -3.3% | -1.6% | -2.8% |
| 10/27/2025 | -3.7% | -2.5% | 6.8% |
| 7/28/2025 | 3.6% | 1.8% | 4.4% |
| 4/28/2025 | 2.9% | 5.9% | 8.8% |
| 2/10/2025 | 2.8% | 0.7% | 3.2% |
| 10/24/2024 | 2.2% | 1.9% | 13.2% |
| 7/25/2024 | 3.0% | 8.0% | 10.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 15 | 14 | 16 |
| # Negative | 9 | 10 | 7 |
| Median Positive | 3.0% | 3.1% | 7.7% |
| Median Negative | -3.9% | -3.1% | -3.2% |
| Max Positive | 6.9% | 10.2% | 20.9% |
| Max Negative | -13.9% | -14.8% | -9.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 04/27/2026 | 10-Q |
| 12/31/2025 | 02/23/2026 | 10-K |
| 09/30/2025 | 10/27/2025 | 10-Q |
| 06/30/2025 | 07/28/2025 | 10-Q |
| 03/31/2025 | 04/28/2025 | 10-Q |
| 12/31/2024 | 02/24/2025 | 10-K |
| 09/30/2024 | 10/24/2024 | 10-Q |
| 06/30/2024 | 07/25/2024 | 10-Q |
| 03/31/2024 | 04/25/2024 | 10-Q |
| 12/31/2023 | 02/26/2024 | 10-K |
| 09/30/2023 | 10/26/2023 | 10-Q |
| 06/30/2023 | 07/27/2023 | 10-Q |
| 03/31/2023 | 04/27/2023 | 10-Q |
| 12/31/2022 | 02/23/2023 | 10-K |
| 09/30/2022 | 10/31/2022 | 10-Q |
| 06/30/2022 | 07/27/2022 | 10-Q |
Recent Forward Guidance [BETA]
Latest: Q4 2025 Earnings Reported 2/9/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Combined Ratio | 0.92 | 0.95 | 0.98 | 0.0% | 0.0% | Affirmed | Actual: 0.95 for 2025 |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Debbink, Dirk J | Trust | Buy | 2122026 | 162.58 | 1,000 | 162,580 | 9,845,784 | Form | |
| 2 | Wilkins, Edward Scott | Direct | Buy | 12042025 | 163.77 | 140 | 22,928 | 22,928 | Form | |
| 3 | Debbink, Dirk J | Trust | Buy | 10292025 | 153.98 | 1,000 | 153,980 | 9,005,020 | Form | |
| 4 | Schiff, Charles Odell | Charitable Foundation | Sell | 8182025 | 153.54 | 3,500 | 537,404 | 27,799,927 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.