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CINF Cincinnati Financial

insurance · 2026-10-21

N/A
fair · 59
Owner-earnings value$186.68
Price$172.07
Margin of safety +8.5%

Quality gate · 59/100

Returns on capital 22.1/30
Consistency 10.5/22
Margins / pricing power 11.7/16
Balance sheet 5.2/16
Cash conversion 5.0/10
Capital allocation 4.9/6
Median ROE15.1%
FCF conversion162%
Share count / yr-0.4%
Profitable years3/4

Moat & management

Owner-earnings inputs

Owner earnings (TTM)2.76B
Owner-earnings yield10.4%
Free-cash-flow yield13.0%
Growth used (normalized)8.0%
Terminal growth3.0%
Discount rate (hurdle)7.5%

⚠ financial — owner earnings ≈ net income · financial — valued by residual income (ROE vs cost of equity on book equity)

History

DateQualityPriceValueMoSRating
2026-10-21 59 $172.07 $186.68 +8.5% N/A
2026-09-18 59 $169.90 $188.45 +10.9% N/A
2026-08-18 59 $171.06 $192.66 +12.6% N/A
2026-07-16 59 $172.43 $194.44 +12.8% N/A
2026-07-02 59 $187.21 $192.95 +3.1% N/A
2026-06-25 67 $178.45 $194.52 +9.0% N/A
2026-06-23 67 $175.81 $192.57 +9.5% N/A