Cincinnati Financial Corp (CINF)

NASD · Financial · Insurance - Property & Casualty · USA

Cincinnati Financial Corp is a large cap company (market value between $10 billion and $200 billion) in the Insurance - Property & Casualty industry.

Cincinnati Financial Corporation is an Ohio-based property casualty insurance company that markets policies through independent insurance agencies across multiple states. The company operates through subsidiaries including The Cincinnati Insurance Company, which provides standard market, excess and surplus lines, life insurance, and reinsurance products. Cincinnati Financial also owns businesses offering commercial leasing and financing services to agencies and their clients.

From its FY2025 annual report (Form 10-K)

Intrinsic value, DCF valuation, financial health and value investing analysis for the Cincinnati Financial Corp stock.

Our verdict on CINF

Undervalued: intrinsic value $284.32 per share, market price $169.89, margin of safety 40.2% (as of 2026-10-19).

Book value at 2.50x, the multiple a 21.5% return on equity justifies, blended with earnings, values the shares at $284.32; the price of $169.89 is 40% below that value.

Leak Score: 82/100 on 11 of 12 signals (Strong Leak).

ETFs with the most weight in CINF

17 more funds hold it; the full list is part of the paid plan.

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Is CINF undervalued or overvalued?

CINF is undervalued (as of the 2026-10-19 close). Book value at 2.50x, the multiple a 21.5% return on equity justifies, blended with earnings, values the shares at $284.32; the price of $169.89 is 40% below that value.

What is the intrinsic value of CINF?

$284.32 per share (as of the 2026-10-19 close), against a market price of $169.89. That is a margin of safety of 40.2%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.

What is Cincinnati Financial Corp's Leak Score?

82 out of 100, which we rate "Strong Leak", on 11 of 12 value investing signals.