Cincinnati Financial Corporation (CINF) Stock

About Cincinnati Financial Corporation

Cincinnati Financial Corporation, operating through its various subsidiaries, delivers a range of property and casualty insurance offerings across the United States. Its operations are organized into five distinct divisions: Commercial Lines, Personal Lines, Excess and Surplus Lines, Life Insurance, and Investments. The Commercial Lines division safeguards businesses against risks such as commercial casualty, property damage, vehicle incidents, and workers' compensation claims; it also offers specialized protection including director and officer liability, various surety and fidelity bonds, and coverage for machinery and equipment. For individual clients, the Personal Lines segment provides essential coverages like personal auto and homeowner policies, alongside dwelling fire, inland marine, personal umbrella liability, and watercraft protection. The Excess and Surplus Lines segment specializes in commercial casualty insurance, protecting companies from third-party liabilities stemming from on-site incidents, operational activities, or product-related injuries; this segment also delivers commercial property insurance, securing assets like buildings, inventory, and equipment, as well as business income, against a broad spectrum of perils including fire, wind, hail, water damage, theft, and vandalism. Through its Life Insurance division, the company offers a comprehensive suite of life policies, encompassing term life, universal life, worksite-based term life, and whole life insurance options. The Investments segment manages a portfolio including fixed-maturity assets like taxable and tax-exempt bonds, along with redeemable preferred stocks, and equity holdings such as common and non-redeemable preferred stocks. Beyond insurance, Cincinnati Financial Corporation extends its services to include commercial leasing and financing, as well as insurance brokerage. Established in 1950, Cincinnati Financial Corporation's corporate headquarters are situated in Fairfield, Ohio.

Cincinnati Financial Corporation is led by CEO Stephen Michael Spray, employs 5,624 people, headquartered in Fairfield, US, publicly traded since 1980.

Cincinnati Financial Corporation (CINF) stock trades at $176.86 with a market capitalization of $27.14B. The stock is valued at a price-to-earnings (P/E) ratio of 10.84, price-to-book of 1.61, price-to-sales of 1.99. Over the past 52 weeks the stock has ranged between $143.37 and $194.75, and currently trades 9.2% below its 52-week high. It pays a dividend yielding 2.13%.

On profitability, Cincinnati Financial Corporation generates a return on equity (ROE) of 15.04%, above the typical market average, return on capital employed of 18.73%, an operating margin of 23.59%, a net profit margin of 21.34%.

In its most recent fiscal year, Cincinnati Financial Corporation reported annual revenue of $12.6B, net profit of $2.4B, revenue has compounded at 10.9% a year over the last five years, profit at 14.5% a year. Profit growing faster than revenue points to expanding margins.

The balance sheet shows a debt-to-equity ratio of 0.06 — a conservative balance sheet with little leverage risk, a current ratio of 1.29, total assets of $41.0B, $1.4B in cash and equivalents.

CINF has an average daily trading volume of 807,325 shares, a beta of 0.58 (less volatile than the overall market).

Official website: www.cinfin.com