CINF
Cincinnati Financial
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CINF
- PE Ratio
As at Jul 31, 2026, the CINF stock has a P/E ratio of 8.29. This is based on the current EPS of $21.43 and the stock price of $177.68 per share. A decrease of 17% has been recorded in the PE ratio compared to the average of 10.0 of the past four quarters.
CINF PE ratio history
The mean historical PE ratio of Cincinnati Financial over the last ten years is 91.8. The current 8.29 price-to-earnings ratio is 91% less than the historical average. In the past ten years, CINF's PE ratio reached its highest point in the Mar 2023 quarter at 2,802, with a price of $112.08 and an EPS of $0.04. The Mar 2021 quarter saw the lowest point at 5.42, with a price of $103.09 and an EPS of $19.03.
Cincinnati Financial PE ratio by year
Maximum annual increase: 273.11% in 2018
Maximum annual decrease: -80.47% in 2019
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 10.66 | 8.66% | $163.32 | $15.32 |
| 2024 | 9.81 | 11.35% | $143.7 | $14.65 |
| 2023 | 8.81 | N/A | $103.46 | $11.74 |
| 2022 | N/A | N/A | $102.39 | -$3.06 |
| 2021 | 6.18 | -46.59% | $113.93 | $18.43 |
| 2020 | 11.57 | 34.69% | $87.37 | $7.55 |
| 2019 | 8.59 | -80.47% | $105.15 | $12.24 |
| 2018 | 43.99 | 273.11% | $77.42 | $1.76 |
| 2017 | 11.79 | -44.12% | $74.97 | $6.36 |
| 2016 | 21.1 | 38% | $75.75 | $3.59 |
| 2015 | 15.29 | -5.33% | $59.17 | $3.87 |
| 2014 | 16.15 | -2.53% | $51.83 | $3.21 |
| 2013 | 16.57 | 9.59% | $52.37 | $3.16 |
| 2012 | 15.12 | -49.87% | $39.16 | $2.59 |
| 2011 | 30.16 | 118.87% | $30.46 | $1.01 |
Cincinnati Financial PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Jun 2026 | 8.64 | -2.92% | $185.14 | $21.43 |
| Mar 2026 | 8.9 | -16.51% | $157.35 | $17.67 |
| Dec 2025 | 10.66 | -8.34% | $163.32 | $15.32 |
| Sep 2025 | 11.63 | -9% | $158.1 | $13.59 |
| Jun 2025 | 12.78 | -19.87% | $148.92 | $11.65 |
| Mar 2025 | 15.95 | 62.59% | $147.72 | $9.26 |
| Dec 2024 | 9.81 | 41.35% | $143.7 | $14.65 |
| Sep 2024 | 6.94 | -19.4% | $136.12 | $19.6 |
| Jun 2024 | 8.61 | 4.87% | $118.1 | $13.72 |
| Mar 2024 | 8.21 | -6.81% | $124.17 | $15.13 |
| Dec 2023 | 8.81 | -9.08% | $103.46 | $11.74 |
| Sep 2023 | 9.69 | -14.78% | $102.29 | $10.56 |
| Jun 2023 | 11.37 | -99.59% | $97.32 | $8.56 |
| Mar 2023 | 2,802 | N/A | $112.08 | $0.04 |
| Dec 2022 | N/A | N/A | $102.39 | -$3.06 |
CINF Price vs fair value
CINF average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, CINF's PE ratio is lower than the 3, 5 and 10-year averages.
PE comparison
Cincinnati Financial's P/E of 8.29 is below the Financial Services sector, the industry and its peers average. Looking at its Financial Services sector average of 13.56, Cincinnati Financial's P/E is 39% lower.
CINF PE vs peers
When compared to its peer stocks CB and TRV, CINF's PE ratio is lower. Cincinnati Financial's PE ratio is trading below the peer group average of 12.31.
| Stock name | PE ratio | Market cap |
|---|---|---|
| CINF Cincinnati Financial Corp | 8.26 | $27.16B |
| ORI Old Republic International Corp | 9.25 | $10.45B |
| TRV Travelers Companies Inc | 9.88 | $77.93B |
| UFCS United Fire Group Inc | 10.18 | $1.34B |
| SIGI Selective Insurance Group Inc | 11.75 | $5.69B |
| CB Chubb Ltd | 12.18 | $134B |
| AFG American Financial Group Inc | 13.5 | $11.8B |
| ERIE Erie Indemnity Co. - Class A | 19.88 | $11.38B |
| HCC Warrior Met Coal Inc | 30.76 | $4.24B |
Frequently asked questions
What is Cincinnati Financial's PE ratio?
CINF stock has a price to earnings ratio of 8.29 as of Jul 31, 2026.
What is the 3-year average PE ratio for Cincinnati Financial (CINF)?
As an average over the last 3 years, CINF stock has a PE ratio of 10.05.
What is the 5-year average PE ratio for Cincinnati Financial (CINF)?
As an average over the last 5 years, CINF stock has a PE ratio of 166.25.
What is the highest PE ratio for CINF?
In the last ten years, the Mar 2023 quarter recorded the highest quarterly PE ratio at 2,802.
How does the current PE ratio for CINF compare to its historical average?
CINF's current price to earnings ratio is 91% below its 10-year historical average.
Why is Cincinnati Financial's PE ratio so low?
CINF's PE ratio is low because its earnings per share (EPS) is high relative to its stock price.
How is CINF's PE ratio calculated (Cincinnati Financial PE ratio formula)?
To determine the P/E ratio, divide the latest stock price by the TTM earnings per share (EPS). As of today (Jul 31, 2026), Cincinnati Financial's stock price is $177.68. The earnings per share for the trailing twelve months (TTM) ending Jun 2026 is $21.43. Therefore, Cincinnati Financial's price to earnings ratio for today is 8.29. PE RATIO(8.29) = STOCK PRICE($177.68) / TTM EPS($21.43)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.