CINF
Cincinnati Financial CorporationData updated: 2026-04-21 · Current price: $166.42
Composite Score: 51
HOLD
Score: 51 / 100
Valuation is within reasonable range — hold and wait for a better entry point
Profitability
50
Growth
43
Valuation
33
Moat
25
Stability
87
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
15.0%
Quality threshold: > 15%
Gross Margin
N/A
Quality threshold: > 40%
Rev. Growth (5yr)
7.0%
Quality threshold: > 5%
5-Year ROE: 15.0% → 16.4% → 15.2% → -4.6% → 22.5%|5-Year Gross Margin: 0.0% → 0.0% → 0.0% → 0.0% → 0.0%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
1.58
Quality threshold: < 0.5
FCF (5yr avg)
2.4B $
Quality threshold: > 0
Current Ratio
1.63x
Quality threshold: > 1.5
FCF Trend (B USD)
$3.1B2022
$2.7B2023
$2.1B2024
$2.1B2025
$2.0B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$2.4B
Net Income + D&A - CapEx
Current Price
$166.42
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
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"Price is what you pay. Value is what you get."
— Warren Buffett