CINF · Cincinnati Financial Corp
$171.39
-0.58 (-0.34%)
At close · Aug 31
Market Cap
$26.39B
Shares
153.48M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$171.97
Open$173.53
Day$171.26–173.99
52W close$151.39–192.03
Avg vol 30d602K
Short int3.5M · 2.3% float · 7.0d
Short vol70%
Last earningsJul 27, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 27
Up next
Next earnings call
Oct 26, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 27, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Neutral
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+3%
above
Price vs 50-day avg
−3%
below
RSI (14)
45
neutral
MACD trend
Positive
52-week position
51%
mid-range
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+5%
trailing
YTD return
+5%
this year
Relative strength
−8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $178 › 200d $167 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +126 funds added
Insider flow
Distributing
Net -$1.2M over 90 days · 50% sells
Short interest
Falling
2.27% of float · ▼ -5.8% MoM · 7.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
955 holders — near 3-yr high, broad support
Squeeze score
51
elevated · 0–100
Fundamentals
Revenue growth
+11%
Y/Y
EPS growth
+4%
Y/Y
Free cash flow
$3.1B
Valuation
P/E 8.1
below peers
Balance sheet
$641.0M
net cash
Quant / Vol
risk profile
Volatility
21%
annualized · 1-yr
Max drawdown
−12%
past year
ATR
1.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Dec 31, 2023
annual average over the next 5 years
Value creation ratio
10% – 13%
5-year average (long-term target)
5-year average combined ratio
92% – 98%
Prior guidance
period ended
· from the Earnings Call filed Dec 31, 2023
2024 ceded premiums for these treaties in total
· 2024
$180M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+3%
Bullish
Price vs 50-day avg
−3%
Neutral
RSI (14)
45
Neutral
MACD trend
Positive
Bullish
52-week position
51%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $178 › 200d $167 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +126 funds added
Insider flow
Distributing
Net -$1.2M over 90 days · 50% sells
Short interest
Falling
2.27% of float · ▼ -5.8% MoM · 7.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
955 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $151
Now $172 · 51%
Range high $192
vs 200-day avg +3%
vs 50-day avg -3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Bond portfolio | $18.95B | June 30, 2026 | — |
| Book value | $108.64 | At June 30, 2026 | — |
| Consolidated cash and total investments | $34.9B | June 30, 2026 | — |
| Current accident year combined ratio before catastrophe losses | 93.5% | Q2 2026 | — |
| Debt-to-total-capital ratio | 4.6% | June 30, 2026 | — |
| Equity portfolio | $13.19B | June 30, 2026 | — |
| Loss and loss expense ratio | 72.8% | Q2 2026 | — |
| Net written premiums | $2.69B | Six months ended June 30, 2026 | — |
|
|
|||
| New agency appointments | 220 | First six months of 2026 | — |
| Non-GAAP operating income non-GAAP | $554M | Six months ended June 30, 2026 | — |
|
|
|||
| Non-GAAP operating income per diluted share non-GAAP | $3.54 | Six months ended June 30, 2026 | — |
| Property casualty combined ratio | 98.2% | First six months of 2026 | — |
|
|
|||
| Value creation ratio | 8% | First six months of 2026 | — |
|
|
|||
| Average yield after-tax | 3.14% | Three months ended March 31, 2026 | — |
| Average yield pretax | 3.8% | Three months ended March 31, 2026 | — |
| Book value per share | $101.6 | Three months ended March 31, 2026 | — |
| Favorable prior accident year reserve development | $81M | Three months ended March 31, 2026 | — |
| Property casualty net written premiums | $2.67B | Three months ended March 31, 2026 | — |
| Property casualty new business written premiums | $339M | Three months ended March 31, 2026 | — |
| Property casualty underwriting profit | $115M | Three months ended March 31, 2026 | — |
| Value creation ratio from change in book value non-GAAP | -0.7% | Three months ended March 31, 2026 | — |
|
|
|||
| Value creation ratio from dividends declared to shareholders non-GAAP | 0.9% | Three months ended March 31, 2026 | — |
|
|
|||
| Agency new business written premiums | $331M | Q4 2025 | — |
| Consolidated property casualty earned premiums | $9.65B | Twelve months ended December 31, 2025 | — |
| Consolidated property casualty net written premiums | $10.08B | Twelve months ended December 31, 2025 | — |
| Consolidated property casualty underwriting profit | $501M | Twelve months ended December 31, 2025 | — |
| Life insurance Non-GAAP operating income non-GAAP | $111M | Twelve months ended December 31, 2025 | — |
| Non-GAAP operating income: Five-year compound annual growth rate non-GAAP | 18.7% | Twelve Months Ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CINF
this stock
Cincinnati Financial Corp
|
$26.39B | +5.3% | +11.4% | 8.1 | 2.3% |
|
CB
Chubb Ltd
|
$131.84B | +8.9% | +6.5% | 12.0 | 1.0% |
|
PGR
Progressive Corp/Oh/
|
$127.11B | -4.0% | +16.3% | 11.0 | 1.0% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$91.57B | +30.3% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$77.15B | +27.5% | +5.2% | 9.9 | 2.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CINF | +2.2% | -3.2% | +5.3% | -3.2% | +5.3% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | +1.7% | -6.2% | -8.1% | -6.2% | -7.5% |
Capital returns
Latest dividend
$0.94
/ share · ex Jun 23, 2026
Declared · upcoming
$0.94
/ share · ex Sep 23, 2026
Paid (TTM)
$3.62
/ share · 4 payouts
Dividend yield (TTM, derived)
2.11%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
20286
CUSIP
172062101
13F (30d)
585 filings
565 filers
Visit website
Investor relations