Cincinnati Financial (CINF) Stock Price

Cincinnati Financial Price

NASDAQ·CLOSED
179.38USD+0.15 (+0.08 %)
Market closed

Revenue has compounded at 5.5% per year over the past 19 years to 12.63 B USD. Earnings per share have grown at 5.7% per year over the last 19 years. Cincinnati Financial's net margin stands at 18.9%, down from 30.8% several years earlier. Cincinnati Financial currently offers a dividend yield of about 1.94%. The payout ratio is around 23% of earnings. The dividend has grown at 5.2% per year over the past 19 years. Analysts set a median price target of 178.50 USD, implying 0.5% below the current price. Of 15 analysts, 10 rate the stock a buy — an overall Buy consensus. The stock trades about 23% above its 52-week low.

Cincinnati Financial stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Cincinnati Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Cincinnati Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Cincinnati Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Cincinnati Financial Stock Price History
DateCincinnati Financial Price
7/23/2026179.38 USD
7/22/2026179.23 USD
7/21/2026180.51 USD
7/20/2026180.36 USD
7/17/2026180.79 USD
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9/12/2025157.39 USD
9/11/2025156.76 USD
9/10/2025152.31 USD
9/9/2025153.69 USD
9/8/2025153.46 USD
9/5/2025153.02 USD
9/4/2025155.59 USD
9/3/2025153.53 USD
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8/29/2025154.23 USD
8/28/2025153.40 USD
8/27/2025154.01 USD
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8/25/2025153.31 USD
8/22/2025155.42 USD
8/21/2025152.96 USD
8/20/2025153.65 USD
8/19/2025152.38 USD
8/18/2025149.79 USD
8/15/2025151.36 USD
8/14/2025154.15 USD
8/13/2025154.01 USD
8/12/2025151.39 USD
8/11/2025149.88 USD
8/8/2025150.14 USD
8/7/2025151.47 USD
8/6/2025154.07 USD
8/5/2025150.43 USD
8/4/2025149.74 USD
7/31/2025146.19 USD
7/30/2025147.51 USD
7/29/2025149.51 USD
7/28/2025152.42 USD
7/27/2025147.10 USD
Access this data via the Eulerpool API

Cincinnati Financial Revenue, EBIT, Net Income

  • 3 Years

  • 5 Years

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  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2020
7.54 B USD
1.50 B USD
1.22 B USD
Jan 1, 2021
9.63 B USD
3.70 B USD
2.97 B USD
Jan 1, 2022
6.56 B USD
-694.00 M USD
-487.00 M USD
Jan 1, 2023
10.01 B USD
2.28 B USD
1.84 B USD
Jan 1, 2024
11.34 B USD
2.86 B USD
2.29 B USD
Jan 1, 2025
12.63 B USD
3.01 B USD
2.39 B USD
Jan 1, 2026 (e)
12.03 B USD
1.30 B USD
1.40 B USD
Jan 1, 2027 (e)
12.83 B USD
2.03 B USD
1.45 B USD

Cincinnati Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 27, 2026, 10:37 AM
 
REVENUEB USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB USD
EBITB USD
EBIT MARGIN%
NET INCOMEB USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
4.114.534.955.145.455.735.417.927.549.636.5610.0111.3412.6312.0312.83
8.1010.229.143.985.975.19-5.6746.55-4.9027.73-31.8252.5713.2211.41-4.806.69
43.5244.7142.2445.3942.9840.8635.4554.0945.1459.3923.5399.7549.4050.1250.1250.12
1.792.032.092.332.342.341.924.293.405.721.549.995.606.336.036.43
0.570.710.720.880.920.840.362.471.503.70-0.692.282.863.011.302.03
13.7715.7614.5817.1316.8514.586.6031.2019.8938.42-10.5722.7325.2123.8510.8415.82
0.420.520.530.630.591.050.292.001.222.97-0.491.842.292.391.401.45
156.7122.801.5520.76-6.7876.82-72.54595.82-39.11144.08-116.41-478.4424.364.41-41.583.93
1.621.651.762.301.923.502.122.242.402.522.763.003.243.483.764.05
0.621.856.6730.68-16.5282.29-39.435.667.145.009.528.708.007.418.057.71
164.16165.75165.30165.70166.50165.60162.80165.30162.10162.50158.20157.80157.70157.75157.75157.75
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Cincinnati Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Cincinnati Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Cincinnati Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Cincinnati Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Cincinnati Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Cincinnati Financial stock margins

The Cincinnati Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Cincinnati Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Cincinnati Financial.
  • 3 Years

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  • Max

Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2020
45.14 %
19.89 %
16.14 %
Jan 1, 2021
59.39 %
38.42 %
30.83 %
Jan 1, 2022
23.53 %
-10.57 %
-7.42 %
Jan 1, 2023
99.75 %
22.73 %
18.41 %
Jan 1, 2024
49.40 %
25.21 %
20.22 %
Jan 1, 2025
50.12 %
23.85 %
18.95 %
Jan 1, 2026 (e)
50.12 %
10.84 %
11.63 %
Jan 1, 2027 (e)
50.12 %
15.82 %
11.33 %

Cincinnati Financial Stock Revenue, EBIT, Earnings per Share

The Cincinnati Financial earnings per share therefore indicates how much revenue Cincinnati Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

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  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2020
46.49 USD
9.25 USD
7.50 USD
Jan 1, 2021
59.24 USD
22.76 USD
18.26 USD
Jan 1, 2022
41.49 USD
-4.39 USD
-3.08 USD
Jan 1, 2023
63.45 USD
14.42 USD
11.68 USD
Jan 1, 2024
71.89 USD
18.12 USD
14.53 USD
Jan 1, 2025
80.07 USD
19.09 USD
15.17 USD
Jan 1, 2026 (e)
76.23 USD
8.27 USD
8.86 USD
Jan 1, 2027 (e)
81.33 USD
12.86 USD
9.22 USD

Cincinnati Financial business model & stock analysis

The Cincinnati Financial Corp is a US-American company from Cincinnati, Ohio, founded in 1950 by John J. Schiff. The company is an insurance conglomerate that is primarily active in the USA. The company employs over 4,600 employees and operates approximately 1,500 agencies in 44 US states. The main business of the company is the insurance of individuals and businesses. However, the company is also active in other areas such as the financial services industry. The business model is based on offering insurance and financial services that are specifically tailored to customer needs. The goal is to guarantee high customer satisfaction for policyholders and thus establish long-term relationships with the company. The Cincinnati Financial Corp specializes in various insurance sectors. These include, among others, auto, home, and business liability insurance, health insurance, accident and life insurance, as well as product liability insurance and other insurance solutions for business customers. Another area in which the company is active is the financial services industry. Here, the company offers numerous services such as investment funds, pension insurance, asset management, and investment advice. The goal is to offer customers a wide range of investment products. In addition to insurance and financial services, the company also offers its customers other products such as legal protection insurance and cyber insurance. In the field of cybersecurity, the company insures companies against damages caused by hacking attacks or data theft. The company also places great importance on offering its customers good service quality. Cincinnati Financial Corp convinces with innovative products and solutions, fast claims handling, as well as transparent and fair processing of contract agreements and claims. In this context, the company also organizes an annual "Agency Partner Forum," an event where employees of the company can meet with agencies and exchange experiences. In addition, specialized staff are in direct contact with customers to understand their wishes and needs better and to be able to offer a suitable insurance or financial service. In summary, Cincinnati Financial Corp is a US-American insurance company based in Ohio that specializes in various insurance sectors and financial services. The company offers customized solutions and is committed to achieving high customer satisfaction and building long-term customer relationships.

Cincinnati Financial SWOT Analysis

Strengths

Cincinnati Financial Corp has a strong financial position and a history of consistent profitability.

The company has a diversified portfolio of insurance products, including property, casualty, and life insurance, which helps mitigate risks.

Cincinnati Financial Corp has established a solid reputation in the insurance industry, known for its reliable and prompt claim settlements.

The company has a well-trained and experienced workforce, enabling it to effectively serve its customers and manage operations.

Weaknesses

Cincinnati Financial Corp's business operations are highly dependent on the overall performance of the insurance industry, making it vulnerable to external factors.

The company may face challenges in adapting to rapidly changing market conditions and emerging technologies.

There might be limited growth opportunities in certain geographical regions where the company operates, which could impact its expansion potential.

Cincinnati Financial Corp may have higher operating expenses compared to some competitors, potentially affecting its competitive position in cost-sensitive markets.

Opportunities

The increasing awareness and importance of insurance coverage offer growth opportunities for Cincinnati Financial Corp to expand its customer base.

Technological advancements provide opportunities for the company to improve operational efficiency, enhance customer experience, and develop innovative insurance solutions.

Expansion into new markets or acquisition of smaller insurance companies can help Cincinnati Financial Corp diversify its revenue streams and increase market share.

Collaboration with other financial service providers or strategic partnerships can enable the company to offer bundled services, attracting more customers.

Threats

Intense competition within the insurance industry poses a threat to Cincinnati Financial Corp's market position and profitability.

Economic downturns or recessionary periods can lead to reduced demand for insurance products and negatively impact the company's financial performance.

Changes in regulatory environment or government policies may introduce compliance challenges and impact the company's operations.

Emerging risks, such as cybersecurity threats or natural disasters, can result in higher claim volumes and financial losses for Cincinnati Financial Corp.

Cincinnati Financial Segments

Cincinnati Financial Revenue by Segment

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  • Max

Investments Segment
Commercial Lines
Personal Lines
Life Insurance Segment
Excess And Surplus Lines Insurance
Other
Total Life Insurance
Details
Date
Investments Segment
Commercial Lines
Personal Lines
Life Insurance Segment
Excess And Surplus Lines Insurance
Other
Other Credit Derivatives
Total Life Insurance
Life Insurance
Jan 1, 2011
595.00 M USD
3.00 M USD
1.00 M USD
167.00 M USD
70.00 M USD
8.00 M USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2012
42.00 M USD
111.00 M USD
868.00 M USD
178.00 M USD
93.00 M USD
0.00 USD
9.00 M USD
0.00 USD
1.00 M USD
Jan 1, 2013
612.00 M USD
479.00 M USD
403.00 M USD
189.00 M USD
116.00 M USD
9.00 M USD
0.00 USD
4.00 M USD
0.00 USD

Cincinnati Financial Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Cincinnati Financial historical P/E ratio, EBIT multiple, and P/S ratio

Cincinnati Financial annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Cincinnati Financial shares outstanding

The number of shares of Cincinnati Financial was 157.75 M in 2025. This indicates how many shares Cincinnati Financial is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
162.10 M Stocks
Jan 1, 2021
162.50 M Stocks
Jan 1, 2022
158.20 M Stocks
Jan 1, 2023
157.80 M Stocks
Jan 1, 2024
157.70 M Stocks
Jan 1, 2025
157.75 M Stocks
Jan 1, 2026 (e)
157.75 M Stocks
Jan 1, 2027 (e)
157.75 M Stocks

Cincinnati Financial stock splits

In Cincinnati Financial's history, there have been no stock splits.

Cincinnati Financial Dividend History

38 years of dividend payments · 7 consecutive increases

YearAnnual DividendYoY ChangePayments
20261.88USDYTD
Mar 24, 20260.94USD 8.0%1/2
Jun 23, 20260.94USD 0.0%2/2
20253.48USD 7.4%
Mar 24, 20250.87USD 7.4%1/4
Jun 23, 20250.87USD 0.0%2/4
Sep 22, 20250.87USD 0.0%3/4
Dec 22, 20250.87USD 0.0%4/4
20243.24USD 8.0%
20233.00USD 8.7%
20222.76USD 9.5%
20212.52USD 5.0%
20202.40USD 7.1%
20192.24USD 5.7%
20182.12USD 39.4%
20173.50USD 82.3%

Cincinnati Financial dividend history and estimates

In 2025, Cincinnati Financial paid a dividend amounting to 3.48 USD. Dividend means that Cincinnati Financial distributes a portion of its profits to its owners.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Dividend
Dividend (Estimate)
Special dividend
Details
Date
Dividend
Dividend (Estimate)
Special dividend
Jan 1, 2020
2.40 USD
0.00 USD
0.00 USD
Jan 1, 2021
2.52 USD
0.00 USD
0.00 USD
Jan 1, 2022
2.76 USD
0.00 USD
0.00 USD
Jan 1, 2023
3.00 USD
0.00 USD
0.00 USD
Jan 1, 2024
3.24 USD
0.00 USD
0.00 USD
Jan 1, 2025
3.48 USD
0.00 USD
0.00 USD
Jan 1, 2026 (e)
1.88 USD
1.88 USD
0.00 USD
Jan 1, 2027 (e)
0.00 USD
4.05 USD
0.00 USD

Cincinnati Financial dividend payout ratio

In 2025, Cincinnati Financial had a payout ratio of 22.94%. The payout ratio indicates the percentage of the company's profits that Cincinnati Financial distributes as dividends.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
31.99 %
Jan 1, 2021
13.80 %
Jan 1, 2022
-89.66 %
Jan 1, 2023
25.69 %
Jan 1, 2024
22.29 %
Jan 1, 2025
22.94 %
Jan 1, 2026 (e)
42.42 %
Jan 1, 2027 (e)
43.94 %

Current Cincinnati Financial forecasts and price targets in July 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.29 %
Buy66.67 % (10)
Hold33.33 % (5)
Sell0.00 % (0)
12M Price Target
178.50
Last Price
179.38
Currency
USD
12M Return Potential
-0.49 %
LTM Return
0 %

Cincinnati Financial Earnings Estimates

DateEPS estimateRevenue EstimateQuarterly report
7/29/20261.79USD2.98 BUSD2026 Q2
7/27/20261.79USD2.98 BUSD2026 Q2
4/27/20262.04USD2.89 BUSD2026 Q1
4/23/20262.04USD2.89 BUSD2026 Q1
2/9/20262.95USD2.97 BUSD2025 Q4
4/25/20241.63USD2.39 BUSD2024 Q1
2/5/20241.87USD2.34 BUSD2023 Q4
7/25/20230.82USD2.16 BUSD2023 Q2
4/26/20231.30USD2.09 BUSD2023 Q1
2/13/20231.42USD2.02 BUSD2022 Q4
...

EESG©

Eulerpool ESG Scorecard© for the Cincinnati Financial stock

50/100
23
Environment
59
Social
70
Governance
E

Environment

20
Scope 1 - Direct Emissions14,066
Scope 2 - Indirect emissions from purchased energy9,050
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions23,116
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees47
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Cincinnati Financial shareholder structure

% Name
12.36340%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
5.74251%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
5.39843%
State Street Investment Management (US)
State Street Investment Management (US)
4.10188%
Charles Schwab Investment Management, Inc.
Charles Schwab Investment Management, Inc.
2.57316%
Geode Capital Management, L.L.C.
Geode Capital Management, L.L.C.
1.40012%
The London Company of Virginia, LLC
The London Company of Virginia, LLC
...

Cincinnati Financial Executives and Management Board

SJ

Mr. Steven Johnston

(65)

Executive Chairman of the Board · since 2008

Compensation9.88 M USD
SS

Mr. Stephen Spray

(58)

President, Chief Executive Officer, Director · since 2012

Compensation8.78 M USD
MS

Mr. Michael Sewell

(61)

Executive Vice President, Chief Financial Officer, Principal Accounting Officer, Treasurer

Compensation5.99 M USD
JK

Mr. John Kellington

(63)

Chief Information Officer, Executive Vice President of The Cincinnati Insurance Company

Compensation4.14 M USD
TC

Ms. Teresa Cracas

(59)

Chief Risk Officer and Executive Vice President of The Cincinnati Insurance Company

Compensation3.80 M USD

Cincinnati Financial Supply Chain

Cincinnati Financial Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
8 companies
#Name1M3M6M1Y2YTrend
1
Berkshire Hathaway B
Supplier
0.23
0.56
0.81
0.76
0.94
2
0.39
0.61
0.47
0.53
0.93
3
0.26
0.68
-0.23
-0.10
0.89
4
0.39
0.83
-0.03
0.24
0.87
5
0.06
0.22
-0.32
-0.45
0.80
#Name1M3M6M1Y2YTrend
1
FedNat Holding
0.40
0.36
-0.38
-0.41
-0.86

Frequently asked questions about Cincinnati Financial

The business model of Cincinnati Financial Corp revolves around being a property and casualty insurance company. Cincinnati Financial Corp mainly operates through its subsidiary, The Cincinnati Insurance Company. The company offers a wide range of insurance products and services to individuals and businesses. Their business model focuses on underwriting and evaluating insurance risks, providing policyholder services, and delivering financial strength and stability to their clients. Cincinnati Financial Corp consistently aims to meet the insurance needs of their customers while generating profitable returns for their shareholders.