CINF:NSD-Cincinnati Financial Corporation (USD)

COMMON STOCK | Insurance-Property & Casualty | NSD

Last Closing Price

USD 116.74

Change

-3.54 (-2.94)%

Market Cap

USD 19.38B

Volume

0.41M

Average Target Price

USD 109.50 (-6.20%)
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 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, as well as markets deferred 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: 2021-06-17 )

Largest Industry Peers for Insurance-Property & Casualty

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIGI Selective Insurance Group, Inc

-0.90 (-1.17%)

USD4.63B 13.76 N/A
NGHC National General Holdings Corp

N/A

USD3.88B 8.77 N/A
KNSL Kinsale Capital Group, Inc

-2.44 (-1.48%)

USD3.79B 33.04 N/A
NGHCN National General Holdings Corp

N/A

USD2.78B 6.56 N/A
NGHCO National General Holdings Corp

N/A

USD2.72B 6.43 N/A
NGHCP National General Holdings Corp

N/A

USD2.69B 6.43 N/A
NMIH NMI Holdings, Inc

-0.56 (-2.26%)

USD2.12B 12.28 N/A
PLMR Palomar Holdings, Inc

+1.47 (+1.92%)

USD1.96B 183.73 N/A
SG Sirius International Insurance..

N/A

USD1.41B 250.00 N/A
SAFT Safety Insurance Group, Inc

-0.77 (-0.95%)

USD1.22B 6.89 N/A

ETFs Containing CINF

Symbol Name Weight Mer Price(Change) Market Cap
FEX First Trust Large Cap Cor.. 0.00 % 0.59 %

-0.77 (-0.90%)

USD1.18B
FTA First Trust Large Cap Val.. 0.00 % 0.60 %

-1.16 (-1.74%)

USD1.07B
FXO First Trust Financials Al.. 0.00 % 0.62 %

-1.58 (-3.53%)

USD1.41B
KBWP Invesco KBW Property & Ca.. 0.00 % 0.35 %

-2.17 (-2.79%)

USD0.15B
KIE SPDR S&P Insurance ETF 0.00 % 0.35 %

-1.05 (-2.67%)

USD0.45B
ONEV SPDR Russell 1000 Low Vol.. 0.00 % 0.20 %

-1.25 (-1.19%)

USD0.54B
FEX:LSE First Trust Global Funds .. 0.00 % 0.75 %

N/A

USD0.06B
FEXU:LSE First Trust Global Funds .. 0.00 % 0.75 %

N/A

USD0.06B

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 33.62% 87% B+ 78% C+
Dividend Return 1.44% 60% D- 59% F
Total Return 35.06% 87% B+ 78% C+
Trailing 12 Months  
Capital Gain 84.92% 100% A+ 76% C
Dividend Return 3.90% 73% C 65% D
Total Return 88.82% 100% A+ 77% C+
Trailing 5 Years  
Capital Gain 68.70% 88% B+ 57% F
Dividend Return 16.56% 78% C+ 62% D-
Total Return 85.26% 88% B+ 59% F
Average Annual (5 Year Horizon)  
Capital Gain 8.51% 81% B- 51% F
Dividend Return 2.72% 80% B- 68% D+
Total Return 11.23% 81% B- 54% F
Risk Return Profile  
Volatility (Standard Deviation) 30.79% 29% F 58% F
Risk Adjusted Return 36.46% 76% C 55% F
Market Capitalization 19.38B 100% A+ 94% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-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 6.38 90% A- 81% B-
Price/Book Ratio 1.76 18% F 69% D+
Price / Cash Flow Ratio 13.00 23% F 34% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 31.93% 100% A+ 94% A
Return on Invested Capital 69.42% 78% C+ 98% A+
Return on Assets 9.43% 100% A+ 93% A
Debt to Equity Ratio 0.50% 94% A 90% A-
Technical Ratios  
Short Ratio 8.44 9% F 14% F
Short Percent 3.89% 9% F 46% F
Beta 0.66 48% F 79% C+
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 risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior return on equity

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

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.

Superior return on assets

The company management has delivered better return on assets 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.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

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.