Cincinnati Financial Corporation (CINF) Stock Price & Analysis
Cincinnati Financial Corporation (CINF) closed at USD 178.28 on Thursday, October 22, 2026, up 2.68% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 173.63; the Oct 22, 2026 session ranged USD 174.49–178.72 on volume of 630,244 shares. Market capitalization is $27.36B, with a 52-week range of USD 150–194.81 (NMS). Source: Nexqual, retrieved October 23, 2026 at 09:15 UTC.
Also available as compact Markdown for AI agents: nexqual.com/CINF.md
Key facts (CINF)
- Last four reported quarters (through Jun 30, 2026): revenue $14.0B, net income $3.33B (23.8% margin), free cash flow $3.40B (SEC filings).
- Valuation: P/E 8.2x (avg 9.9x at the last 3 fiscal year-ends), net cash $1.10B.
- Insider open-market sales, last ~7 months: 1 Form 4 filings, $1.3M; 1 not under a Rule 10b5-1 plan ($1.3M); 1 by opportunistic insiders (1 outside 10b5-1 plans), 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 1 Form 4 filing, $172K; 1 by opportunistic insiders, 0 by routine insiders.
- Analysts: Hold (mean 2.75 on a 1–5 scale) (8 analysts), mean target USD 188.83 (range 171–200).
- Total return with dividends: 1Y +17.1% vs S&P 500 +14.9%; 5Y +65.2% vs S&P 500 +80.3%.
- Next earnings: 2026-10-26, EPS estimate USD 2.11, revenue estimate $3.03B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (CINF)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $9.63B | $6.56B | $10.0B | $11.3B | $12.6B | $14.0B |
| Net income | $2.97B | -$487M | $1.84B | $2.29B | $2.39B | $3.33B |
| EPS (diluted) | $18.24 | -$3.06 | $11.66 | $14.53 | $15.17 | — |
| Free cash flow | $1.97B | $2.04B | $2.03B | $2.63B | $3.09B | $3.40B |
| Net margin | 30.8% | -7.4% | 18.4% | 20.2% | 18.9% | 23.8% |
| Revenue growth | +27.7% | -31.8% | +52.6% | +13.2% | +11.4% | — |
| Cash + short-term investments | $1.14B | $1.26B | $907M | $1.28B | $1.58B | — |
| Total debt | $789M | $789M | $790M | $790M | $790M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (CINF)
P/E 8.2x · P/S 2.0x · EV/Sales 1.9x · P/FCF 8.0x · P/B 1.6x · FCF yield 12.43% · Earnings yield 12.16% · Dividend yield (paid, TTM) 1.98% · Buyback yield (TTM) 2.04% · Net cash $1.10B · EV $26.3B
P/E at fiscal year-ends: Dec 2025 10.8x, Dec 2024 9.9x, Dec 2023 8.9x.
Insider sales (SEC Form 4, open-market, last ~7 months) (CINF)
0 of 1 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-03 | Schiff Charles Odell | Director | 7,600 | $1.3M | 0.7% | No | Opportunistic (traded every year 2023–2025, no repeating month) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Insider purchases (SEC Form 4, open-market, last ~7 months) (CINF)
1 purchase, $172K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-08-25 | Debbink Dirk J | Director | 1,000 | $172K | 171.64 | Opportunistic (traded every year 2023–2025, no repeating month) |
Analysts (CINF)
Consensus Hold (mean 2.75 on a 1–5 scale), 8 analysts; mean target USD 188.83 (low 171, high 200).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-12 | Keefe, Bruyette & Woods | Target lowered | Market Perform | $190 → $171 |
| 2026-08-05 | Keefe, Bruyette & Woods | Target lowered | Market Perform | $201 → $190 |
| 2026-07-30 | B of A Securities | Downgrade | Buy → Neutral | $197 → $193 |
| 2026-07-28 | Roth Capital | Target raised | Buy | $190 → $200 |
| 2026-07-15 | Piper Sandler | Target raised | Neutral | $175 → $197 |
| 2026-07-08 | Keefe, Bruyette & Woods | Downgrade | Outperform → Market Perform | $191 → $201 |
Total return (dividends reinvested) (CINF)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +17.1% | +65.2% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +17.1% | +10.5% |
| Volatility (annualized) | 20.7% | 24.4% |
| Max drawdown | -16.5% (Jul 2026→Sep 2026) | -34.4% (Apr 2022→Sep 2022) |
CINF revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Investment | $1.63B | 38.1% | +114.6% |
| Commercial Insurance | $1.25B | 29.3% | +3.3% |
| Personal Insurance | $881.0M | 20.6% | +9.3% |
| Excess and Surplus Lines Insurance | $190.0M | 4.4% | +8.6% |
| Life Insurance | $89.0M | 2.1% | +4.7% |
| Total revenue | $4.27B | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
CINF suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | CSU Producer Resources | “Cincinnati Global and CSU Producer Resources partner by offering a variety of products through a binder authority agreement, enhancing our ability to serve more of our agent's clients and bring quality business to Cincinnati Global.” |
| Partner | Skyline Re II | “We entered into a reinsurance agreement with Skyline Re II Ltd. ("Skyline"), an independent Bermuda company registered as a special purpose insurer under the Bermuda Insurance Act of 1978.” |
Quoted from the company's 10-K filed Feb 23, 2026.
CINF analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $2.11 | $1.94 | +8.5% | $3.03B | 8 |
| Next quarter (ends Dec 2026) | $2.93 | $3.00 | -2.4% | $3.06B | 7 |
| Current fiscal year (ends Dec 2026) | $8.61 | $8.86 | -2.8% | $13.23B | 8 |
| Next fiscal year (ends Dec 2027) | $9.06 | $9.22 | -1.7% | $12.61B | 8 |
CINF options: expected move
Options price a move of about ±6.0% (±$10.75) by Nov 20, 2026, which includes earnings on Oct 26, 2026. Over the last 8 reports the stock moved ±2.4% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 26.5% | ±6.0% |
| Dec 18, 2026 | 56 | 23.3% | ±7.4% |
| Mar 19, 2027 | 147 | 23.3% | ±11.9% |
| Jun 17, 2027 | 237 | 23.4% | ±15.1% |
30-day implied volatility 25.4% vs 18.1% realized over the last 30 trading days. Put/call ratio (volume) 0.08. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 09:15 UTC)
| Price | USD 178.28 |
|---|---|
| Change | ▲ 2.68% (up) |
| Previous Close | USD 173.63 |
| Open | USD 174.88 |
| Day Range | USD 174.49 – 178.72 |
| 52-Week Range | USD 150 – 194.81 |
| Volume | 630,244 shares |
| Market Cap | $27.36B |
| Exchange | NMS |
Technical Analysis (CINF)
Nexqual's technical model rates CINF "BUY" based on 5 bullish and 3 bearish signals across 127 daily candles, as of October 23, 2026 at 09:15 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 72.37 (overbought) |
| vs SMA50 | Above (USD 168.28) |
| MACD | 1.69 (positive) |
Analyst Ratings (CINF)
Wall Street analysts rate CINF "Hold" based on 8 analysts, with a mean price target of USD 188.83 (range USD 171–200), per Nexqual as of October 23, 2026 at 09:15 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 8 |
| Mean Target | USD 188.83 |
| High Target | USD 200 |
| Low Target | USD 171 |
| Buy / Hold / Sell | 2 / 6 / 0 |
Earnings (CINF)
| Next Earnings Date | 2026-10-26 |
|---|---|
| EPS Estimate | USD 2.11 |
| Revenue Estimate | $3.03B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.43 vs est 1.82 ▼ miss |
| 2026-03-31 | USD 2.1 vs est 1.94 ▲ beat |
| 2025-12-31 | USD 3.37 vs est 2.89 ▲ beat |
| 2025-09-30 | USD 2.85 vs est 2.06 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:15 UTC.
Financials & Fundamentals (CINF)
| Total Revenue | $13.95B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +31.60% |
| Gross Margin | +31.07% |
| Operating Margin | +37.20% |
| Profit Margin | +23.84% |
| ROE | +21.48% |
| Debt / Equity | 0.05 |
| Current Ratio | 1.15 |
| Total Cash | $1.89B |
| Total Debt | $876.00M |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $3.40B (24.4% of revenue) |
Source: Nexqual, October 23, 2026 at 09:15 UTC.
Financial Health Score (CINF)
Nexqual rates Cincinnati Financial Corporation's overall financial health "Solid" across five dimensions, as of October 23, 2026 at 09:15 UTC.
| Growth | Solid — Revenue +11% YoY (annual) |
|---|---|
| Profitability | Solid — Gross margin 31% (last 12 months) |
| Balance Sheet | Strong — $1.89B cash and investments vs $791M debt (Jun 2026, SEC), net cash |
| Cash Flow | Strong — FCF $3.40B (last 4 quarters to Jun 2026, SEC), 24% margin |
| Efficiency | Strong — ROE 21%, ROA 6.4% |
Ownership (CINF)
| Insider Ownership | +1.73% |
|---|---|
| Institutional Ownership | +74.35% |
| Shares Outstanding | 153.48M |
| Float | 150.57M |
| Short % of Float | +3.32% |
Source: Nexqual, October 23, 2026 at 09:15 UTC.
Leadership (CINF)
Cincinnati Financial Corporation is led by Stephen Michael Spray, President, CEO & Director, per Nexqual as of October 23, 2026 at 09:15 UTC.
| President, CEO & Director | Stephen Michael Spray |
|---|---|
| Executive Chairman | Steven Justus Johnston C.F.A., CERA, FCAS, MAAA |
| CFO, Principal Accounting Officer, Executive VP & Treasurer | Michael James Sewell |
| Vice President of Corporate Communications | Betsy E. Ertel C.P.C.U. |
| Senior Vice President of The Cincinnati Insurance Company | Donald Joseph Doyle Jr., AIM, C.P.C.U. |
Major Backers & Investors (CINF)
Notable institutional backers of Cincinnati Financial Corporation include Charles Schwab Investment Management, Inc., First Trust Advisors LP, Charles Schwab, according to Nexqual as of October 23, 2026 at 09:15 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Charles Schwab Investment Management, Inc. | 3.57% |
| First Trust Advisors LP | 2.7% |
| Charles Schwab | 2.43% |
| Invesco | 1.74% |
| First TRT Exch-Trd Fd. VI-First TRT Rising Dividend Achievers ETF | 1.39% |
| Fidelity | 1.31% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 11.91% |
| BlackRock | 8.22% |
| State Street | 5.56% |
| Geode Capital | 2.74% |
Source: Nexqual, October 23, 2026 at 09:15 UTC.
From Cincinnati Financial Corporation's Latest SEC 10-K Filing (filed 2026-02-23)
Key Strengths & Strategy (as disclosed to the SEC)
- While the potential exists for short-term financial performance variability due to our exposures to possible natural or man-made catastrophes or to significant capital market losses, the rating agencies consistently assert that we have built appropriate financial strength and flexibility to manage that variability.
Partnerships
- Our investment department operates under risk guidelines set forth in our investment policy along with oversight of the investment committee of our board of directors.
Legal & Regulatory Risks (Item 1A, quoted)
- Any failure to protect the confidentiality of customer information could adversely affect our reputation or expose us to fines, penalties or litigation, which could impact our business, financial condition and results of operations.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| WRB | W.R. Berkley Corporation | USD 75.55 | ▲ 1.63% |
| MKL | Markel Group Inc. | USD 1,905.39 | ▲ 1.79% |
| L | Loews Corporation | USD 113.68 | ▲ 1.75% |
| AIZ | Assurant, Inc. | USD 288.85 | ▲ 1.6% |
| CNA | CNA Financial Corporation | USD 49.39 | ▲ 2.21% |
| AFG | American Financial Group, Inc. | USD 153.46 | ▲ 2.53% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:15 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt