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162.15 USD
P/E
7.67
EPS
21.10
Yield
2.27%
Safety Score
97
P/B
1.49
ROE
21.48
Beta
0.55
Target Price
191.67 USD
Cincinnati Financial Corporation logo

Cincinnati Financial Corporation

🧾 Earnings Recap – Q2 2026

Shares declined 1.6% following Q2 results as investors weighed higher combined ratios driven by increased catastrophe losses and slowing premium growth amid ongoing pricing discipline, signaling underlying margin pressure despite stable underwriting metrics.

  • Net income was nearly $1.3 billion, boosted by a $882 million after-tax unrealized gain on equity securities; non-GAAP operating income fell to $224 million from $311 million a year ago.
  • The property casualty combined ratio worsened to 100.8%, up 5.9 points year-over-year, with catastrophe losses adding 2.3 points, reflecting margin compression in underwriting.
  • Premium growth slowed to 3% overall, with commercial lines and excess & surplus lines growing modestly, while personal lines saw only 1% growth amid weaker new business.
  • Expense ratio rose 1.2 points in the quarter due to commissions and expense timing, partially offsetting investment income growth.
  • Investment income increased 12%, supported by higher yields and portfolio rebalancing, though portfolio fixed maturities remain at a net unrealized loss.
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Key Metrics
Earnings dateOct. 26, 2026
P/E7.67
EPS21.10
Book Value108.68
Price to Book1.49
Debt/Equity5.26
% Insiders1.728%
Growth
Revenue Growth0.32%
Earnings Growth0.86%
Estimates
Forward P/E17.93
Forward EPS9.03
Target Mean Price191.67
Dividend
Dividend Yield2.27%
Annual dividends3.69 USD
Ex-Div. DateSept. 23, 2026
Payout16.32%
5y avg Yield2.50%

DCF Valuation

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DCF Result

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Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

Cincinnati Financial Corporation Logo Cincinnati Financial Corporation Analysis (CINF)

United States Financials Official Website Stock

Is Cincinnati Financial Corporation a good investment? Cincinnati Financial Corporation (CINF) is currently trading at 162.15 USD. Market analysts have a consensus price target of 191.67 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 7.67. This relatively low multiple may signal that Cincinnati Financial Corporation is undervalued compared to historical market norms.

Earnings Schedule: Cincinnati Financial Corporation is expected to release its next earnings report on Oct. 26, 2026. The market consensus estimate for Forward EPS is 9.03.

For income investors, Cincinnati Financial Corporation pays a dividend yield of 2.27%. With a payout ratio of 16%, the dividend appears sustainable.

Investor FAQ

Does Cincinnati Financial Corporation pay a dividend?

Yes, it pays an annual dividend of 3.69 USD (2.27% yield).

What asset class is Cincinnati Financial Corporation?

Cincinnati Financial Corporation is classified as a Stock. You can compare it against 4 other assets in the "Related Symbols" list on this page.

When is the next earnings date?

The next earnings date is projected to be Oct. 26, 2026. The company currently has a trailing EPS of 21.10.

Company Profile

Cincinnati Financial Corporation 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 and property, commercial auto, and workers' compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. 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, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; 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; universal life insurance; and worksite and whole life insurance products, as well as 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. The company was founded in 1950 and is headquartered in Fairfield, Ohio.

Exchange Ticker
FRA (Germany) CCJ.F
SAO (Brazil) CINF34.SA
LSE (United Kingdom) 0HYE.L
NMS (United States) CINF
Trades
Dividend Yield
2.27%
5y avg 2.50%
Annual Dividends
3.69USD
Next Ex. Div Date
Sept. 23, 2026
Payout Ratio
16.32%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
2.96 USD
July 15, 2027 (estimated) 1.0134
April 15, 2027 (estimated) 1.0134
Jan. 15, 2027 (estimated) 0.9360
▸2026
3.69 USD
Oct. 15, 2026 0.9400
July 15, 2026 0.9400
April 15, 2026 0.9400
Jan. 15, 2026 0.8700
▸2025
3.42 USD
Oct. 15, 2025 0.8700
July 15, 2025 0.8700
April 15, 2025 0.8700
Jan. 15, 2025 0.8100
▸2024
3.18 USD
Oct. 15, 2024 0.8100
July 15, 2024 0.8100
April 15, 2024 0.8100
Jan. 16, 2024 0.7500
▸2023
2.94 USD
Oct. 16, 2023 0.7500
July 14, 2023 0.7500
April 14, 2023 0.7500
Jan. 13, 2023 0.6900
▸2022
2.70 USD
Oct. 14, 2022 0.6900
July 15, 2022 0.6900
April 15, 2022 0.6900
Jan. 14, 2022 0.6300
▸2021
2.49 USD
Oct. 15, 2021 0.6300
July 15, 2021 0.6300
April 15, 2021 0.6300
Jan. 15, 2021 0.6000
▸2020
2.36 USD
Oct. 15, 2020 0.6000
July 15, 2020 0.6000
April 15, 2020 0.6000
Jan. 15, 2020 0.5600
▸2019
2.21 USD
Oct. 15, 2019 0.5600
July 15, 2019 0.5600
April 15, 2019 0.5600
Jan. 15, 2019 0.5300
▸2018
2.09 USD
Oct. 15, 2018 0.5300
July 16, 2018 0.5300
April 16, 2018 0.5300
Jan. 16, 2018 0.5000
▸2017
2.48 USD
Dec. 15, 2017 0.5000
Oct. 16, 2017 0.5000
July 14, 2017 0.5000
April 14, 2017 0.5000
Jan. 17, 2017 0.4800
▸2016
1.90 USD
Oct. 14, 2016 0.4800
July 15, 2016 0.4800
April 15, 2016 0.4800
Jan. 15, 2016 0.4600
▸2015
2.28 USD
Dec. 15, 2015 0.4600
Oct. 15, 2015 0.4600
July 15, 2015 0.4600
April 15, 2015 0.4600
Jan. 15, 2015 0.4400
▸2014
1.74 USD
Oct. 15, 2014 0.4400
July 15, 2014 0.4400
April 15, 2014 0.4400
Jan. 15, 2014 0.4200
▸2013
1.64 USD
Oct. 15, 2013 0.4200
July 15, 2013 0.4070
April 15, 2013 0.4070
Jan. 15, 2013 0.4070
▸2012
1.62 USD
Oct. 15, 2012 0.4080
July 16, 2012 0.4030
April 16, 2012 0.4030
Jan. 17, 2012 0.4030
▸2011
1.60 USD
Oct. 17, 2011 0.4030
July 15, 2011 0.4000
April 15, 2011 0.4000
Jan. 17, 2011 0.4000
▸2010
1.59 USD
Oct. 15, 2010 0.4000
July 15, 2010 0.3950
April 15, 2010 0.3950
Jan. 15, 2010 0.3950
▸2009
1.57 USD
Oct. 15, 2009 0.3950
July 15, 2009 0.3900
April 15, 2009 0.3900
Jan. 15, 2009 0.3900
▸2008
1.53 USD
Oct. 15, 2008 0.3900
July 15, 2008 0.3900
April 15, 2008 0.3900
Jan. 15, 2008 0.3550
▸2007
1.40 USD
Oct. 15, 2007 0.3550
July 16, 2007 0.3550
April 16, 2007 0.3550
Jan. 16, 2007 0.3350
▸2006
1.31 USD
Oct. 16, 2006 0.3350
July 14, 2006 0.3350
April 14, 2006 0.3350
Jan. 17, 2006 0.3050
▸2005
1.16 USD
Oct. 14, 2005 0.3050
July 15, 2005 0.3050
April 15, 2005 0.2905
Jan. 14, 2005 0.2619
▸2004
1.00 USD
Oct. 15, 2004 0.2619
July 15, 2004 0.2619
April 15, 2004 0.2494
Jan. 15, 2004 0.2268
▸2003
0.88 USD
Oct. 15, 2003 0.2268
July 15, 2003 0.2268
April 15, 2003 0.2268
Jan. 15, 2003 0.2023
▸2002
0.80 USD
Oct. 15, 2002 0.2023
July 15, 2002 0.2023
April 15, 2002 0.2023
Jan. 15, 2002 0.1905
▸2001
0.74 USD
Oct. 15, 2001 0.1905
July 16, 2001 0.1905
April 16, 2001 0.1905
Jan. 15, 2001 0.1723
▸2000
0.67 USD
Oct. 16, 2000 0.1723
July 14, 2000 0.1723
April 14, 2000 0.1723
Jan. 14, 2000 0.1542
▸1999
0.60 USD
Oct. 15, 1999 0.1542
July 15, 1999 0.1542
April 15, 1999 0.1542
Jan. 15, 1999 0.1379
▸1998
0.54 USD
Oct. 15, 1998 0.1379
July 15, 1998 0.1379
April 15, 1998 0.1391
Jan. 15, 1998 0.1240
▸1997
0.48 USD
Oct. 15, 1997 0.1240
July 15, 1997 0.1240
April 15, 1997 0.1240
Jan. 15, 1997 0.1119
▸1996
0.36 USD
Oct. 15, 1996 0.1119
July 15, 1996 0.1119
April 15, 1996 0.0339
Jan. 15, 1996 0.0979
▸1995
0.31 USD
Oct. 16, 1995 0.0979
July 14, 1995 0.0979
April 14, 1995 0.0282
Jan. 16, 1995 0.0878
▸1994
0.34 USD
Oct. 14, 1994 0.0878
July 15, 1994 0.0878
April 15, 1994 0.0878
Jan. 15, 1994 0.0768
▸1993
0.30 USD
Oct. 15, 1993 0.0768
July 15, 1993 0.0768
April 15, 1993 0.0768
Jan. 15, 1993 0.0713
▸1992
0.27 USD
Oct. 15, 1992 0.0713
July 15, 1992 0.0713
April 15, 1992 0.0695
Jan. 15, 1992 0.0622
▸1991
0.24 USD
Oct. 15, 1991 0.0622
July 15, 1991 0.0622
April 15, 1991 0.0622
Jan. 15, 1991 0.0558
▸1990
0.22 USD
Oct. 15, 1990 0.0558
July 16, 1990 0.0558
April 16, 1990 0.0558
Jan. 15, 1990 0.0494
▸1989
0.19 USD
Oct. 16, 1989 0.0494
July 15, 1989 0.0494
April 14, 1989 0.0494
Jan. 16, 1989 0.0402
▸1988
0.16 USD
Oct. 15, 1988 0.0402
July 15, 1988 0.0402
April 15, 1988 0.0402
Jan. 15, 1988 0.0347
▸1987
0.13 USD
Oct. 15, 1987 0.0347
July 15, 1987 0.0347
April 15, 1987 0.0347
Jan. 15, 1987 0.0302
▸1986
3.78 USD
Sept. 17, 1986 1.2608
June 23, 1986 1.2608
March 19, 1986 1.2608
▸1985
8.30 USD
Dec. 20, 1985 1.1854
Sept. 23, 1985 1.1854
June 24, 1985 1.1854
March 19, 1985 4.7414
▸1984
4.19 USD
Dec. 20, 1984 4.1887
Upcoming Dividends
Name Payment Date Status Amount
Cincinnati Financial Corporation Oct 15, 2026 Upcoming 0.94 USD
Cincinnati Financial Corporation Jul 15, 2026 0.94 USD
Cincinnati Financial Corporation Apr 15, 2026 0.94 USD
Cincinnati Financial Corporation Jan 15, 2026 0.87 USD
Stock Splits
Split Date Split Ratio to 1
May 1, 1985 2:1
May 18, 1992 3:1
March 13, 1995 1.05
March 13, 1996 1.05
May 18, 1998 3:1
April 28, 2004 1.05
April 4, 2005 1.05
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