Cincinnati Financial Corporation (CINF) Stock: Price, Forecast & Analyst Target
Cincinnati Financial Corporation (CINF) — MoonshotScore 94/100 (Exceptional band), calculated Oct 5, 2026. Price $162.14 (+0.12%), as of the Oct 5, 2026 trading session; market cap $24.9B. Expected results Oct 26, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 0.73× (market value Oct 5, 2026; cash Jun 30, 2026) · expected results Oct 26, 2026
Cincinnati Financial Corporation · CINF · NASDAQ · Financial Services · Insurance - Property & Casualty
Research dated 2026-09-12: Cincinnati Financial sells commercial, personal, specialty and life insurance while managing a substantial portfolio of bonds, preferred securities and equities. The case rests on whether dependable insurance cash generation can persist while reported revenue and profit continue to swing sharply across a business that includes investments.
Price as of Oct 5, 2026
Key Statistics
MoonshotScore v2 · Cincinnati Financial (CINF)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality, a strong balance sheet and durable growth, at a dirt-cheap price, with no real weak spot, and the price trend has turned against it. Business Quality: Elite; Financial Safety: Sound; Valuation: Cheap; Growth Durability: Compounding; Momentum: Slipping.
- quarterly revenue $4.27B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 6 of 8
- expected results Oct 26, 2026
Holding back: weak price trend
Helping: business quality, balance-sheet strength, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 95 | Exceptional | |
| 95 | Exceptional | |
| 95 | Exceptional | |
| 94 | Exceptional | |
| 94 | Exceptional | |
| 94 | Exceptional |
The score was 94 in the stored Oct 4, 2026 snapshot and remains 94 in the current publication computed Oct 5, 2026 (0); the largest pillar moves were Growth Durability +6 and Momentum -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $162.14 | |
| Change on the day | +0.12% | |
| 52-week range | $150.00–$194.81 | |
| Market capitalisation | $24.9B | |
| Price / earnings (trailing) | 7.61 | |
| Shares traded on the day | 607.3K | |
| Beta (volatility vs the S&P 500) | 0.55 | |
| Dividends per share (last 12 months) | $3.69 | |
| Dividend yield (last 12 months) | 2.28% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · below the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Chronological order, not a duration scale. The provider's estimated date can change.
What to watch nextOther perspectives
Council score for Cincinnati Financial (CINF): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
6 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 3, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 6, 2026, except a card that shows its own read date.
Watch the CINF film — every key number, told as a short cinematic story
~2 min · open the film
What is Cincinnati Financial (CINF), and what does it report?
Short answer · as of
Cincinnati Financial is principally a property and casualty insurer serving businesses and households.
Research dated 2026-09-12.
Cincinnati Financial is principally a property and casualty insurer serving businesses and households. Commercial coverage is its largest disclosed insurance line, followed by personal coverage, while excess and surplus policies address harder-to-place commercial risks and life products add a smaller stream.
Its reported totals are not a pure measure of policy demand. Insurance operations sit beside an investment division holding fixed-maturity and equity securities, so revenue and net income describe a broader economic model than premiums and underwriting alone.
What do the latest results show for Cincinnati Financial (CINF)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $4.27B.
Research dated 2026-09-12.
The latest income-statement period shows a sharp sequential expansion in revenue, operating profit and net income. Operating cash flow remained positive, although it did not rise in step with accounting profit.
Against market expectations, the latest reported revenue and earnings comparison fell short after a stretch of favorable earnings surprises. That combination makes the composition of profit more important than the headline increase: insurance segment performance, cash conversion and investment contribution need to be read together.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $4.27B Jun 30, 2026
- Latest quarter · SG&A
- $786.00M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $1.58B Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $4.27B | Not available | $786.00M | $1.58B |
| Mar 31, 2026 | $2.86B | Not available | $0.00 | $326.00M |
| Dec 31, 2025 | $3.09B | Not available | $0.00 | $840.00M |
| Sep 30, 2025 | $3.73B | Not available | $0.00 | $1.41B |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $2.63B Jul 27, 2026
- Latest report · revenue estimate
- $2.71B Jul 27, 2026
- Latest report · revenue vs estimate
- Below estimate Jul 27, 2026
- Latest report · EPS vs estimate
- Below estimate Jul 27, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 27, 2026 | $2.63B | $2.71B | $1.4300 | $1.8400 |
| Apr 27, 2026 | $2.60B | $2.61B | $2.1000 | $1.9500 |
| Feb 9, 2026 | $2.59B | $2.55B | $3.3700 | $2.9000 |
| Oct 27, 2025 | $3.73B | $2.55B | $2.8500 | $2.1400 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $4.27B | $1.25B | $8.05 (diluted) |
| Q1 FY2026 | $2.86B | $274M | $1.75 (diluted) |
| Q4 FY2025 | $3.09B | $676M | $4.30 (diluted) |
| Q3 FY2025 | $3.73B | $1.12B | $7.11 (diluted) |
What are the financial strengths and risks for Cincinnati Financial (CINF)?
Short answer
Cash and short-term investments were $34.03B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $700.00M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-12.
Operating cash flow has stayed positive throughout the disclosed quarterly series, capital spending is modest, and reported debt is small relative to cash and investments. Profitability and return measures also indicate strong recent earnings power.
The balance-sheet presentation deserves care because cash and short-term investments vary dramatically between reporting periods, while a large portion of assets supports an insurer’s obligations rather than functioning like surplus cash at an operating company. The direct business risk is adverse claims experience across commercial, personal and specialty policies; losses from property damage, vehicles, workplace incidents and liability events can pressure underwriting results even when policy demand holds.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $700.00M Jun 30, 2026
- Previous quarter · operating cash flow
- $656.00M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $700.00M | Provider sign conflict |
| Mar 31, 2026 | $656.00M | −$2.00M |
| Dec 31, 2025 | $947.00M | −$10.00M |
| Sep 30, 2025 | $1.11B | $7.00M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Cincinnati Financial (CINF)?
Short answer · as of
The next earnings report is expected on Oct 26, 2026.
Research dated 2026-09-12.
The upcoming report should be judged on the relationship among insurance revenue, operating earnings and cash generation. A durable improvement would pair continued positive operating cash flow with broad contribution from commercial, personal and excess and surplus lines, rather than relying on a sharp movement in aggregate profit.
The latest miss makes execution against the current revenue and earnings expectations especially relevant. Longer-range estimates still assume expansion, so repeated shortfalls or weaker cash conversion would challenge that trajectory.
How does Cincinnati Financial compare with its peers?
Short answer
Cincinnati Financial's score ranks 5th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
Cincinnati Financial is broader than a narrowly focused property and casualty carrier. Commercial and personal policies form the core, but specialty excess and surplus coverage, life insurance and a substantial investment operation place underwriting and portfolio outcomes inside the same consolidated result.
That mix can produce a different earnings pattern from an insurer whose reported performance tracks underwriting more directly. For Cincinnati Financial, comparison requires separating the scale of its core insurance lines from the volatility visible in consolidated revenue and profit.
| Company | Price | Market value | Score |
|---|---|---|---|
| $224.71 Oct 5, 2026 | $57.9B | 99 5-pillar Oct 5, 2026 | |
| $360.70 Oct 5, 2026 | $75.2B | 97 5-pillar Oct 5, 2026 | |
| $220.40 Oct 5, 2026 | $7.64B | 96 5-pillar Oct 5, 2026 | |
| $101.91 Oct 5, 2026 | $5.68B | 96 5-pillar Oct 5, 2026 | |
| Cincinnati Financial (CINF) — this page | $162.14 | $24.9B | 94 |
| $15.11 Oct 5, 2026 | $5.33B | 92 5-pillar Oct 5, 2026 | |
| $69.77 Oct 5, 2026 | $25.7B | 91 5-pillar Oct 5, 2026 | |
| $56.08 Oct 5, 2026 | $5.13B | 88 5-pillar Oct 5, 2026 | |
| $139.33 Oct 5, 2026 | $11.6B | 82 5-pillar Oct 5, 2026 | |
| $2091.07 Oct 5, 2026 | $23.6B | 78 5-pillar Oct 5, 2026 | |
| $332.42 Oct 5, 2026 | $7.57B | 78 5-pillar Oct 5, 2026 | |
| $105.67 Oct 5, 2026 | $21.8B | 73 5-pillar Oct 5, 2026 | |
| $15.29 Oct 5, 2026 | $30.9B | 67 5-pillar Oct 5, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $197.00 – $200.00
- Consensus target
- $198.00
- Median target
- $197.00
Consensus record · Captured .
Measured against a quoted price of $162.14 (as of Oct 5, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Aug 25, 2026
- Transactions
- 31
- Identified insiders
- 8
- Purchases
- 1
- Sales
- 1
- Other transactions
- 29
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 75.6% Period end Jun 30, 2026
- Previous quarter · ownership
- 69.1% Prior to period end Jun 30, 2026
- Reporting holders
- 973 Period end Jun 30, 2026
- Previous quarter · holders
- 937 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 12,610,089 |
| Vanguard Capital Management LLC | 10,124,435 |
| State Street Corp | 8,539,606 |
| Vanguard Portfolio Management LLC | 8,150,052 |
| Charles Schwab Investment Management INC | 5,482,870 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Cincinnati Financial (CINF)?
Common Questions About CINF (Financial Services)
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
Why can Cincinnati Financial earnings move sharply while its insurance business continues operating?
Consolidated results combine several insurance lines with an investment operation, so reported revenue and profit are broader than policy activity alone. The historical series shows much greater movement in accounting earnings than in operating cash generation.
Is commercial insurance larger than personal insurance at Cincinnati Financial?
Commercial lines are the largest disclosed insurance segment, with personal lines also representing a major part of the company. Specialty excess and surplus coverage and life insurance broaden the mix.
Does Cincinnati Financial’s investment balance mean the company has no debt?
Debt remains on the balance sheet, although it is small beside reported cash and investments. Those assets also belong within an insurer’s capital and claims-paying structure, so the comparison is not equivalent to unrestricted excess cash.
Has Cincinnati Financial recently increased its recurring dividend?
The latest declared distribution matches the recent payment and stands above the preceding run of payments. The declaration therefore preserves the higher payout level rather than adding another increase.
What is the CINF stock price today?
The last price recorded on this page for Cincinnati Financial Corporation (CINF) is $162.14, as of the Oct 5, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the CINF price target?
The analyst consensus price target for Cincinnati Financial Corporation (CINF) is $198.00 (range $197.00 to $200.00, median $197.00), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
When are CINF's next earnings?
The next earnings date listed on this page for Cincinnati Financial Corporation (CINF) is Oct 26, 2026. Companies sometimes move report dates, so the company's own announcement is the final word on timing.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (78 figures)
The 78 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Fairfield, OH | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "6200 South Gilmore Road, Fairfield, OH, 45014-5141, US". |
FMP — 68 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $162.14 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-05T21:44:35.576Z. | |
px.change | Change on the day | +0.12% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $24.9B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-05. FMP quote timestamp: 2026-10-05T20:00:02.000Z. Captured from FMP at 2026-10-05T21:44:34.599Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.19 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $4.27B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $150.00–$194.81 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 7.61 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 607.3K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.55 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Stephen Michael Spray | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 5,705 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $9.63B, net result $2.97B; FY2022 revenue $6.56B, net result −$487.00M; FY2023 revenue $10.01B, net result $1.84B; FY2024 revenue $11.34B, net result $2.29B; FY2025 revenue $12.63B, net result $2.39B | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Personal Lines Insurance $3.20B · Commercial Lines Insurance $4.87B · Life Insurance Product Line $336.00M · Excess and Surplus Lines Insurance $702.00M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 52.3% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $4.27B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $786.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $1.58B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $2.86B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $326.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $3.09B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $840.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $3.73B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $1.41B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-27.revenue_actual | Revenue · reported — report date 2026-07-27 | $2.63B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-27.revenue_estimated | Revenue · estimate — report date 2026-07-27 | $2.71B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-27.eps_actual | EPS · reported — report date 2026-07-27 | $1.4300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-27.eps_estimated | EPS · estimate — report date 2026-07-27 | $1.8400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-27.revenue_actual | Revenue · reported — report date 2026-04-27 | $2.60B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-27.revenue_estimated | Revenue · estimate — report date 2026-04-27 | $2.61B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-27.eps_actual | EPS · reported — report date 2026-04-27 | $2.1000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-27.eps_estimated | EPS · estimate — report date 2026-04-27 | $1.9500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-09.revenue_actual | Revenue · reported — report date 2026-02-09 | $2.59B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-09.revenue_estimated | Revenue · estimate — report date 2026-02-09 | $2.55B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-09.eps_actual | EPS · reported — report date 2026-02-09 | $3.3700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-09.eps_estimated | EPS · estimate — report date 2026-02-09 | $2.9000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-27.revenue_actual | Revenue · reported — report date 2025-10-27 | $3.73B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-27.revenue_estimated | Revenue · estimate — report date 2025-10-27 | $2.55B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-27.eps_actual | EPS · reported — report date 2025-10-27 | $2.8500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-27.eps_estimated | EPS · estimate — report date 2025-10-27 | $2.1400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $34.03B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $700.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $863.00M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $876.00M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 1.50× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $700.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $656.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$2.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $947.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$10.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $1.11B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | $7.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $197.00 – $200.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $198.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $197.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 31 transactions · 1 purchases, 1 sales, 29 other transactions · 8 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Aug 25, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 75.6% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 69.1% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 973 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 937 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 12,610,089 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Capital Management LLC — shares in provider snapshot | 10,124,435 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | State Street Corp — shares in provider snapshot | 8,539,606 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 8,150,052 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Charles Schwab Investment Management INC — shares in provider snapshot | 5,482,870 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 26, 2026 | UNRECORDED | Stored earnings-calendar observation — Captured 2026-09-14 | |
earn.history | Reported versus estimated, recent quarters | EPS beat 6 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-02 · Expired observation |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 0.73× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $34.03B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-05. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $3.69 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 2.28% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-27.revenue_actual.comparison | Latest report · revenue vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($2.63B) with the recorded estimate ($2.71B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-27.eps_actual.comparison | Latest report · EPS vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($1.4300) with the recorded estimate ($1.8400) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 94 of 100 · Exceptional · pillars 98 / 73 / 91 / 80 / 21 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 94 (stored snapshot Oct 4, 2026) → 94 (current publication computed Oct 5, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-27. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-27.revenue_actual,earn.history.depth.2026-07-27.revenue_estimated,earn.history.depth.2026-07-27.revenue_actual.comparison,earn.history.depth.2026-07-27.eps_actual.comparison,earn.history.depth.2026-07-27.eps_actual,earn.history.depth.2026-07-27.eps_estimated,earn.history.depth.2026-04-27.revenue_actual,earn.history.depth.2026-04-27.revenue_estimated,earn.history.depth.2026-04-27.eps_actual,earn.history.depth.2026-04-27.eps_estimated,earn.history.depth.2026-02-09.revenue_actual,earn.history.depth.2026-02-09.revenue_estimated,earn.history.depth.2026-02-09.eps_actual,earn.history.depth.2026-02-09.eps_estimated,earn.history.depth.2025-10-27.revenue_actual,earn.history.depth.2025-10-27.revenue_estimated,earn.history.depth.2025-10-27.eps_actual,earn.history.depth.2025-10-27.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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- sedat@stockexpertai.com
Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Personal Lines Insurance: $3.20B; Commercial Lines Insurance: $4.87B; Life Insurance Product Line: $336.00M; Excess and Surplus Lines Insurance: $702.00M | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $34.89B; Cash and short-term investments: $34.03B; Long-term investments: $863.00M; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Sector / industry (provider taxonomy) | Financial Services / Insurance - Property & Casualty The company's SEC filings classify it under SIC 6331 — Fire, Marine & Casualty Insurance. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-27 | FMP | Financial Modeling Prep (FMP) earnings |
| Most recent periodic reports | 2026-07-27 | OFFICIAL | SEC EDGAR filer submissions | |
| Cash, investments and debt | Total debt: $876.00M; Liquidity basis: cash and short-term investments; Total liabilities: $26.45B; Cash and short-term investments: $34.03B; Cash and investments: $34.89B; Long-term investments: $863.00M; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Trailing twelve-month ratio set | Quick ratio: 1.9; Current ratio: 1.9; Debt to equity: 0.05; Net margin: 23.8%; Gross margin: 52.3%; Operating margin: 29.8%; Return on assets: 7.7%; Return on equity: 20.9% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Distress and quality screens | Altman Z-score: 2.35; Piotroski F-score: 8 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-10-26; EPS estimate: $1.89 per share; Revenue estimate: $2.64B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
At most 3 analysts contributed — treat this as thin coverage, not a consensus. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Next scheduled dividend | Ex date: 2026-09-23; Declared on: 2026-08-21; Record date: 2026-09-23; Payment date: 2026-10-15; Amount per share: $0.94 Amount is per share as declared, before any withholding. Owning the share before the ex-date is what carries entitlement. | 2026-08-21 | FMP | Financial Modeling Prep (FMP) dividend calendar |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-06-23 | FMP | Financial Modeling Prep (FMP) dividend history |
Data provided for informational purposes only.