CINF:NSD-Cincinnati Financial Corporation (USD)

COMMON STOCK | Insurance-Property & Casualty | NSD

Last Closing Price

USD 79.93

Change

-0.07 (-0.09)%

Market Cap

USD 12.87B

Volume

0.86M

Average Target Price

USD 70.50 (-11.80%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Cincinnati Financial Corporation, together with its subsidiary, provides property casualty insurance products in the United States. The company operates in 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; homeowners 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, as well as markets deferred annuities and immediate annuities. 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.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-12-02 )

Largest Industry Peers for Insurance-Property & Casualty

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
KNSL Kinsale Capital Group, Inc

-1.50 (-0.62%)

USD5.51B 81.09 N/A
NGHC National General Holdings Corp

N/A

USD3.88B 8.77 N/A
SIGI Selective Insurance Group, Inc

+1.02 (+1.61%)

USD3.78B 18.87 N/A
NGHCN National General Holdings Corp

-0.03 (-0.11%)

USD2.85B 6.72 N/A
NGHCO National General Holdings Corp

N/A

USD2.76B 6.53 N/A
NGHCP National General Holdings Corp

-0.07 (-0.27%)

USD2.73B 6.54 N/A
NMIH NMI Holdings, Inc

+0.39 (+1.74%)

USD1.90B 9.96 N/A
PLMR Palomar Holdings, Inc

-1.23 (-1.79%)

USD1.75B 90.89 N/A
SG Sirius International Insurance..

+0.05 (+0.38%)

USD1.35B 250.00 N/A
SAFT Safety Insurance Group, Inc

+0.24 (+0.33%)

USD1.07B 9.74 N/A

ETFs Containing CINF

Symbol Name Weight Mer Price(Change) Market Cap
KIE SPDR S&P Insurance ETF 0.00 % 0.35 %

+0.19 (+0.57%)

USD0.32B
ONEV SPDR Russell 1000 Low Vol.. 0.00 % 0.20 %

-0.11 (-0.12%)

USD0.40B
RYF Invesco S&P 500 Equal Wei.. 0.00 % 0.40 %

+0.45 (+0.97%)

USD0.14B
BLES Inspire Global Hope ETF 0.00 % 0.52 %

+0.07 (+0.22%)

USD0.10B

Market Performance

  Market Performance vs.
Industry/Classification (Insurance-Property & Casualty)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -23.98% 34% F 21% F
Dividend Return 1.71% 30% F 48% F
Total Return -22.27% 38% F 22% F
Trailing 12 Months  
Capital Gain -23.55% 38% F 19% F
Dividend Return 2.26% 35% F 53% F
Total Return -21.29% 38% F 19% F
Trailing 5 Years  
Capital Gain 29.99% 85% B 58% F
Dividend Return 17.14% 67% D+ 66% D
Total Return 47.13% 81% B- 61% D-
Average Annual (5 Year Horizon)  
Capital Gain 10.08% N/A N/A 65% D
Dividend Return 2.84% N/A N/A 69% D+
Total Return 12.91% N/A N/A 68% D+
Risk Return Profile  
Volatility (Standard Deviation) 22.97% N/A N/A 63% D
Risk Adjusted Return 56.21% N/A N/A 75% C
Market Capitalization 12.87B 100% A+ 93% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Insurance-Property & Casualty)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 16.42 58% F 55% F
Price/Book Ratio 1.28 28% F 71% C-
Price / Cash Flow Ratio 10.66 21% F 32% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.30% 61% D- 73% C
Return on Invested Capital 33.04% 76% C 96% A
Return on Assets 2.49% 69% D+ 71% C-
Debt to Equity Ratio 0.40% 100% A+ 91% A-
Technical Ratios  
Short Ratio 5.40 36% F 29% F
Short Percent 3.81% 17% F 45% F
Beta 0.56 52% F 82% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What to not like:
Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.