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Track CINF free→Cincinnati Financial (CINF)
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-06-16
Watch· 1–3 mo
$171.79+1.45%
Close 2026-06-16 · 1-day change
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
The bottom line
Recent financial performance is weak. Earnings quality and management's track record are neutral. The sector backdrop is a headwind, and risk is low. Compared with sector peers, CINF is typical. Peer multiples imply a price about 20% below where it trades (it looks expensive on this basis); the read is fair, but weakening. If CINF cuts guidance on the next call, that could be negative. This read is provisional.
as of 2026-06-16
Quick facts
- Exchange
- NASDAQ
- Sector
- Financials
- Industry
- Insurance - Property & Casualty
- Market cap
- $26.14B
- Employees
- —
- IPO date
- 1994-03-30
- Next earnings
- 2026-07-27
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 6 valuation methods, at three horizons. Current price $171.79. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryfull
$143.08consensus
Range $116.62 – $166.21
vs price: +20% above
Method agreement — · 6 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearfull
$162.59consensus
Range $131.41 – $246.14
vs price: +6% above
Method agreement — · 5 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearfull
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Durable premiummedium confidence
At $169 the market pays 16× p/e — above the 11× p/e peer median but in line with its own 20× history. That premium reflects a durable franchise our peer-anchored $142 fair value understates; treat the 'expensive vs peers' read with medium confidence. Not investment advice.
Multiple (P/E)
16.5x
peer 10.9x · own history 19.8x
Premium
1.5x peer
0.8x its own history
Growth the price needs
19%
our forecast 22%
Our fair value
$141.83
range $115.18 – $174.45
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
fullfair — but weakening12-month view
What's priced inJustified
The market is pricing in roughly 19% near-term growth, in line with our forecast of about 22%. This describes what's priced in, not a forecast of the move.
Low fragilityrisk posture, not a price call
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
weakOperating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 56% of the time over the next year (vs 59% for the rest of the cohort, n=3730).
22nd pctl · Financials
Earnings quality
neutralOver the trailing year it converted 1.25x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
52nd pctl · Financials
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity.
Management & capital allocation
neutralEarnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
Neutral7 analysts, 50% Buyfor period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $1.73 → $1.73 (+0.0% / 30d). 2 raised, 2 cut, 7 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d, 1 maintained. 50% of analysts rate Buy.
Price target activity
1 PT revisions / 30d. Avg target 4.1% above current price.
Sector context
Intermediate · WeeklySector phase: financials is in growth, with decelerating (~3.2 years in phase).
Sector regime (90d momentum): headwind.Secular epoch: by revenue growth.Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Overall: neutral
- Capital allocation
- neutral
- Earnings discipline
- neutral
- Margin discipline
- weak
- Balance sheet
- neutral
- Post-call reaction
- strong
Met or beat guidance 0% of the last 2 guided quarters · -76.3% avg surprise
as of 2026-06-15
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$86.
How much price usually moves either way.
On a bad day, this stock has moved -$204.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,046.
Deepest peak-to-trough drop in the last year.
lowas of 2026-06-16
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-06-16
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Intermediate · Weekly
- UpsideHigh confidenceQuartersactive 4d
Watch for Q2 combined ratio to stay below 98%
Why it matters: A combined ratio below 98% means good underwriting. It also makes more money.
What confirms / what disproves
Confirms:The Q2 combined ratio was below 98%.
Disproves:The Q2 combined ratio was above 98%.
Earnings call
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for CINF yet.
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
- If sector bellwethers like CB, PGR, and TRV keep beating earnings and guiding higher, the Financials sector momentum should keep lifting CINF and other Financials names. Worth watching these names for early signals.
- If CINF raises forward guidance on the next earnings call (currently NEW as of 2026-02-09), that's a momentum boost. Street estimates typically follow guidance up and the stock tends to re-rate higher.
Downside triggers
- If CINF cuts guidance on the next call (currently NEW as of 2026-02-09), that's a meaningful negative. The Street tends to walk down estimates and the stock usually takes a leg lower.
- If the Fed starts cutting rates from the current 3.62%, that would weigh on CINF and other Financials names, since the sector usually outperforms when rates stay high.
- If sector bellwethers like CB, PGR, and TRV start missing or guiding lower, the Financials tailwind helping CINF and other Financials names could fade. Watch these names for early warning.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-271mo agoItem 2.02
Results of Operations and Financial Condition. On April 27, 2026, Cincinnati Financial Corporation issued the attached news release titled “Cincinnati Financial Reports First-Quarter 2026 Results,” furnished as Exhibit 99.1 hereto and incorporated herein by reference. On April 27, 2026, the company also distributed the attached information titled “Supplemental Financial Data,” furnished as Exhibit 99.2 hereto and incorporated herein by reference. This report should not be deemed an admission…
Earnings preannouncementneutral
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
-2.8 vs last weeklatest as of 2026-06-17
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.