CINF Cincinnati Financial Corporation

Price (delayed)

$77.44

Market cap

$12.46B

P/E Ratio

22.51

Dividend/share

$2.36

EPS

$3.44

Enterprise value

$12.72B

Sector: Financial Services
Industry: Insurance - Property & Casualty
Cincinnati Financial Corp. provides property casualty and life insurance services. It operates through the following segments: Commercial Lines Insurance, Personal Lines Insurance, Excess & Surplus Lines Insurance, Life Insurance and Investments. The Commercial Lines Insurance segment includes commercial casualty, commercial property, commercial auto, worker's compensation, and other commercial lines insurance. The Personal Lines Insurance segment manages personal auto, homeowner, and other personal lines insurance. The Excess & Surplus Lines Insurance segment covers business risks such as the nature of the business or its claim history, that are difficult to profitably insure in the standard commercial lines market. The Life Insurance segment offers term life insurance, universal life insurance, worksite products, and whole life insurance services. The Investment segment generates revenue from the fixed-maturity investment and equity investment. The company was founded by John Jack Schiff Sr., Robert Cleveland Schiff, and Harry M. Turner in 1968 and is headquartered in Fairfield, OH.

Highlights

The stock's P/E is 61% less than its last 4 quarters average of 58.0 and 13% less than its 5-year quarterly average of 26.0
Cincinnati Financial's equity has increased by 15% from the previous quarter
Cincinnati Financial's gross profit has increased by 35% from the previous quarter but it has decreased by 19% YoY
The company's gross margin rose by 18% QoQ but it fell by 17% YoY
CINF's net income has dropped by 55% year-on-year
CINF's EPS has dropped by 54% year-on-year

Key stats

What are the main financial stats of CINF
Market
Shares outstanding
160.85M
Market cap
$12.46B
Enterprise value
$12.72B
Valuations
Price to earnings (P/E)
22.51
Price to book (P/B)
1.35
Price to sales (P/S)
1.93
EV/EBIT
18.22
EV/EBITDA
16.39
EV/Sales
1.97
Earnings
Revenue
$6.47B
EBIT
$698M
EBITDA
$776M
Free cash flow
$1.33B
Per share
EPS
$3.44
Free cash flow per share
$8.24
Book value per share
$57.57
Revenue per share
$40.22
TBVPS
$158.27
Balance sheet
Total assets
$25.45B
Total liabilities
$16.19B
Debt
$967M
Equity
$9.26B
Working capital
N/A
Liquidity
Debt to equity
0.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.34
Margins
EBITDA margin
12%
Gross margin
39.2%
Net margin
8.6%
Operating margin
10.8%
Efficiency
Return on assets
2.3%
Return on equity
6.1%
Return on invested capital
2.8%
Return on capital employed
N/A
Return on sales
10.8%
Dividend
Dividend yield
3.05%
DPS
$2.36
Payout ratio
68.6%

CINF stock price

How has the Cincinnati Financial stock price performed over time

Financial performance

How have Cincinnati Financial's revenue and profit performed over time
Revenue
$6.47B
Gross profit
$2.54B
Operating income
$698M
Net income
$557M
Gross margin
39.2%
Net margin
8.6%
CINF's net income has dropped by 55% year-on-year
The operating income has plunged by 53% YoY
The net margin has dropped by 53% year-on-year
The operating margin has plunged by 51% YoY

Growth

What is Cincinnati Financial's growth rate over time

Valuation

What is Cincinnati Financial stock price valuation
P/E
22.51
P/B
1.35
P/S
1.93
EV/EBIT
18.22
EV/EBITDA
16.39
EV/Sales
1.97
The stock's P/E is 61% less than its last 4 quarters average of 58.0 and 13% less than its 5-year quarterly average of 26.0
CINF's EPS has dropped by 54% year-on-year
CINF's P/B is 16% below its 5-year quarterly average of 1.6 and 16% below its last 4 quarters average of 1.6
Cincinnati Financial's equity has increased by 15% from the previous quarter
CINF's revenue is up by 14% since the previous quarter but it is down by 3.4% year-on-year
CINF's P/S is 12% below its 5-year quarterly average of 2.2 and 12% below its last 4 quarters average of 2.2

Efficiency

How efficient is Cincinnati Financial business performance
The ROE has plunged by 58% YoY
The ROA has plunged by 57% YoY
The ROIC has dropped by 56% year-on-year
CINF's ROS has dropped by 51% year-on-year

Dividends

What is CINF's dividend history
DPS
$2.36
Dividend yield
3.05%
Payout ratio
68.6%
Recent dividends

Financial health

How did Cincinnati Financial financials performed over time
The company's total assets is 57% higher than its total liabilities
The company's total assets rose by 9% QoQ and by 4.6% YoY
The total liabilities has grown by 7% YoY and by 6% from the previous quarter
The debt is 90% smaller than the equity

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.