Also trades as: 0HYE.L (LSE) · $vol 0M

$168.10

-0.27 (-0.16%)

Weekly Expected Move ±2.1%

$159 $163 $166 $170 $173

NASDAQ · Financial Services · Insurance - Property & Casualty · Alpha Radar Strong Buy · Power 72 · $26.0B mcap · 152M float · 0.509% daily turnover · Short 76% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

45.3 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: -95.3%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. CINF shows a Weak competitive edge (45.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. Negative ROIC of -95.3% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$190

Low

$190

Avg Target

$190

High

Based on 1 analyst since Apr 27, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 9Hold: 7Sell: 1Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$190.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-28	Roth Capital	—	$175	$190	+15	+14.7%	$165.64
2025-12-22	Piper Sandler	—	$126	$157	+31	-6.2%	$167.29
2025-10-28	Roth Capital	Harry Fong	Initiated	$175	—	+14.5%	$152.80
2024-10-29	Piper Sandler	Paul Newsome	Initiated	$126	—	-12.8%	$144.49
2024-03-25	Capital One Financial	Michael Zaremski	Initiated	$135	—	+11.8%	$120.75
2024-03-13	CFRA	Catherine Seifert	Initiated	$135	—	+13.5%	$118.91
2023-02-08	RBC Capital	—	Initiated	$125	—	-2.7%	$128.50
2022-12-05	MKM Partners	—	$160	$130	-30	+20.4%	$107.94
2022-04-29	MKM Partners	—	Initiated	$160	—	+24.9%	$128.10

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. CINF receives an overall rating of A. Strongest factors: DCF (5/5), ROE (5/5), ROA (5/5). Areas of concern: P/B (2/5).

Rating Change History

Date	From	To
2026-04-22	A-	A
2026-04-01	A	A-
2026-01-03	A-	A

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 75 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. CINF scores highest in Safety (100/100) and lowest in Profitability (48/100). An overall grade of A places CINF among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-I Score

12.22

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓

Beneish M-Score

-2.89

Unlikely Manipulator

Ohlson O-Score

-8.28

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AA+

Score: 93.6/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.25x

Accruals: -1.8%

The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. CINF scores 12.22, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. CINF scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. CINF's score of -2.89 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. CINF's implied 0.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. CINF receives an estimated rating of AA+ (score: 93.6/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). CINF's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

9.44x

PEG

0.11x

P/S

2.01x

P/B

1.66x

P/FCF

7.14x

P/OCF

7.12x

EV/EBITDA

1.60x

EV/Revenue

0.45x

EV/EBIT

1.67x

EV/FCF

1.69x

Earnings Yield

11.19%

FCF Yield

14.00%

Shareholder Yield

3.14%

Graham Number

$200.65

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 9.4x earnings, CINF trades at a deep value multiple. An earnings yield of 11.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $200.65 per share, suggesting a potential 19% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.803

NI / EBT

Interest Burden

0.985

EBT / EBIT

EBIT Margin

0.270

EBIT / Rev

Asset Turnover

0.333

Rev / Assets

Equity Multiplier

2.597

Assets / Equity

ROE

18.5%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. CINF's ROE of 18.5% is driven by Asset Turnover (0.333), indicating efficient use of assets to generate revenue.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

786.95%

Fair P/E

1582.39x

Intrinsic Value

$27863.72

Price/Value

0.01x

Margin of Safety

99.44%

Premium

-99.44%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CINF's realized 786.9% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $27863.72, CINF appears undervalued with a 99% margin of safety. The adjusted fair P/E of 1582.4x compares to the current market P/E of 9.4x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$168.10

Median 1Y

$180.01

5th Pctile

$107.95

95th Pctile

$300.07

Ann. Volatility

32.1%

Analyst Target

$190.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Steven J. Johnston Executive Chairman of the Board and former Chief Executive Officer Cincinnati Financial Corporation	$513,750	$804,764	$373,779
Michael J. Sewell Chief Financial Officer, Executive Vice President and Treasurer Cincinnati Financial Corporation	$1,073,137	$1,146,159	$313,801
Teresa C. Cracas Chief Risk Officer and Executive Vice President The Cincinnati Insurance Company	$681,352	$728,436	$189,764
John S. Kellington Chief Information Officer and Executive Vice President The Cincinnati Insurance Company	$748,297	$799,736	$184,490
Stephen M. Spray President and Chief Executive Officer Cincinnati Financial Corporation	$1,130,250	$1,768,274	$40,027

CEO Pay Ratio

0:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $373,779

Avg Employee Cost (SGA/emp): $70,104,167

Employees: 48

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

+6.7% YoY

Revenue / Employee

$263,145,833

Rev: $12,631,000,000

Profit / Employee

$49,854,167

NI: $2,393,000,000

SGA / Employee

$70,104,167

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	27.7%	24.5%	24.7%	17.2%	4.5%	-0.3%	-4.1%	0.0%	11.5%	14.1%	16.3%	20.9%	19.0%	27.1%	17.6%	11.1%	14.0%	16.3%	16.0%	18.5%	18.47%
ROA	10.8%	9.5%	10.0%	7.0%	1.8%	-0.1%	-1.6%	0.0%	4.4%	5.5%	5.9%	7.6%	6.9%	9.8%	6.6%	4.2%	5.3%	6.1%	6.2%	7.1%	7.11%
ROIC	-1.8%	-1.6%	-18.5%	-13.0%	-3.4%	67.1%	28.2%	3.0%	-69.8%	-86.1%	-1.1%	-1.4%	-1.2%	-1.8%	-86.4%	-54.5%	-68.6%	-80.0%	-82.4%	-95.3%	-95.26%
ROCE	13.2%	11.6%	11.9%	8.3%	2.2%	-0.3%	-2.2%	-0.1%	5.7%	7.2%	7.1%	9.2%	8.3%	12.0%	8.0%	5.0%	6.3%	7.3%	13.6%	15.6%	15.58%
Gross Margin	60.1%	39.9%	71.5%	15.3%	-61.2%	-0.6%	60.0%	37.6%	48.6%	26.4%	64.1%	54.0%	41.8%	52.5%	47.6%	23.3%	48.9%	58.7%	52.3%	38.8%	38.84%
Operating Margin	38.0%	10.3%	55.6%	-28.8%	-1.3%	-40.9%	41.3%	12.0%	25.6%	-8.2%	44.4%	32.5%	15.2%	31.3%	18.9%	-5.0%	26.3%	37.9%	27.2%	11.8%	11.84%
Net Margin	30.6%	8.6%	44.2%	-21.8%	-99.8%	-29.5%	32.5%	10.0%	20.5%	-5.5%	35.3%	25.7%	12.3%	24.7%	16.0%	-3.5%	21.1%	30.1%	21.9%	9.6%	9.57%
EBITDA Margin	39.6%	12.3%	56.7%	-24.7%	-1.2%	-38.2%	43.2%	14.4%	27.4%	-6.7%	45.5%	34.1%	17.4%	32.9%	20.0%	-2.7%	28.2%	39.2%	29.0%	13.2%	13.24%
FCF Margin	18.8%	20.8%	20.4%	21.0%	25.3%	27.6%	31.0%	27.5%	22.5%	21.4%	20.3%	19.9%	21.6%	21.0%	23.2%	23.6%	22.2%	23.2%	24.6%	26.7%	26.69%
OCF Margin	19.0%	21.0%	20.6%	21.2%	25.5%	27.8%	31.3%	27.7%	22.6%	21.6%	20.5%	20.1%	21.8%	21.3%	23.4%	23.8%	22.3%	23.2%	24.6%	26.8%	26.76%
ROE 3Y Avg	snapshot only																				15.78%
ROE 5Y Avg	snapshot only																				12.62%
ROA 3Y Avg	snapshot only																				5.98%
ROIC Economic	snapshot only																				16.73%
Cash ROA	snapshot only																				8.43%
NOPAT Margin	snapshot only																				21.42%
Pretax Margin	snapshot only																				26.57%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				31.95%
SBC / Revenue	snapshot only																				0.39%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	5.97	6.65	5.71	9.66	32.35	-436.13	-30.95	4161.81	10.71	9.12	8.49	7.97	8.40	6.83	9.72	15.78	12.84	11.76	10.77	8.94	9.439
P/S Ratio	1.81	1.87	1.75	2.31	2.44	1.93	2.30	2.19	1.55	1.56	1.56	1.77	1.70	1.73	1.96	2.08	2.00	2.07	2.04	1.91	2.012
P/B Ratio	1.58	1.56	1.28	1.52	1.33	1.00	1.43	1.58	1.37	1.44	1.29	1.56	1.49	1.73	1.60	1.64	1.68	1.79	1.62	1.55	1.656
P/FCF	9.61	8.97	8.55	10.99	9.66	7.00	7.40	7.97	6.89	7.29	7.69	8.86	7.85	8.20	8.48	8.82	9.03	8.90	8.31	7.14	7.143
P/OCF	9.51	8.89	8.49	10.91	9.59	6.94	7.35	7.91	6.84	7.25	7.62	8.77	7.78	8.12	8.41	8.76	8.97	8.89	8.28	7.12	7.124
EV/EBITDA	1.27	1.36	0.93	2.45	5.19	-4.00	-5.21	31.86	1.09	1.22	0.74	1.63	1.49	1.76	1.87	3.17	2.77	2.97	2.17	1.60	1.596
EV/Revenue	0.50	0.50	0.37	0.77	0.58	-0.03	0.39	0.55	0.21	0.28	0.18	0.47	0.40	0.59	0.50	0.57	0.58	0.69	0.55	0.45	0.450
EV/EBIT	1.30	1.40	0.95	2.55	6.14	2.22	-4.01	-197.25	1.19	1.30	0.78	1.69	1.55	1.82	1.95	3.42	2.95	3.13	2.29	1.67	1.669
EV/FCF	2.66	2.38	1.80	3.67	2.31	-0.10	1.26	1.98	0.96	1.32	0.89	2.38	1.84	2.79	2.16	2.41	2.62	2.98	2.24	1.69	1.688
Earnings Yield	16.7%	15.0%	17.5%	10.3%	3.1%	-0.2%	-3.2%	0.0%	9.3%	11.0%	11.8%	12.6%	11.9%	14.6%	10.3%	6.3%	7.8%	8.5%	9.3%	11.2%	11.19%
FCF Yield	10.4%	11.2%	11.7%	9.1%	10.4%	14.3%	13.5%	12.5%	14.5%	13.7%	13.0%	11.3%	12.7%	12.2%	11.8%	11.3%	11.1%	11.2%	12.0%	14.0%	14.00%
PEG Ratio	snapshot only																				0.106
Price/Tangible Book	snapshot only																				1.691
EV/OCF	snapshot only																				1.683
EV/Gross Profit	snapshot only																				0.896
Acquirers Multiple	snapshot only																				1.689
Shareholder Yield	snapshot only																				3.14%
Graham Number	snapshot only																				$200.65

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.29	1.29	1.286
Quick Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.29	1.29	1.286
Debt/Equity	0.08	0.08	0.07	0.07	0.07	0.07	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.06	0.06	0.056
Net Debt/Equity	-1.14	-1.14	-1.01	-1.01	-1.01	-1.01	-1.18	-1.18	-1.18	-1.18	-1.14	-1.14	-1.14	-1.14	-1.19	-1.19	-1.19	-1.19	-1.18	-1.18	-1.183
Debt/Assets	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.02	0.02	0.02	0.02	0.02	0.02	0.022
Debt/EBITDA	0.24	0.27	0.24	0.33	1.12	19.93	-1.81	6.85	0.48	0.39	0.36	0.28	0.31	0.22	0.29	0.44	0.36	0.31	0.28	0.24	0.243
Net Debt/EBITDA	-3.33	-3.76	-3.48	-4.89	-16.50	-294.76	25.37	-96.19	-6.79	-5.53	-5.66	-4.43	-4.85	-3.40	-5.45	-8.41	-6.78	-5.90	-5.88	-5.16	-5.158
Interest Coverage	68.36	60.25	70.25	49.13	12.81	-1.50	-12.09	-0.39	31.44	40.11	43.15	56.87	50.65	72.65	54.92	34.53	43.38	50.42	40.60	46.68	46.680
Equity Multiplier	2.55	2.55	2.40	2.40	2.40	2.40	2.81	2.81	2.81	2.81	2.71	2.71	2.71	2.71	2.62	2.62	2.62	2.62	2.58	2.58	2.577
Cash Ratio	snapshot only																				1.058
Debt Service Coverage	snapshot only																				48.835
Cash to Debt	snapshot only																				22.237
FCF to Debt	snapshot only																				3.893
Defensive Interval	snapshot only																				2855.9 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.36	0.34	0.33	0.29	0.24	0.23	0.21	0.25	0.31	0.32	0.32	0.34	0.34	0.39	0.33	0.32	0.34	0.35	0.33	0.33	0.333
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	3.95	3.76	3.84	3.44	2.85	2.70	2.34	2.70	3.34	3.48	3.21	3.44	3.42	3.90	3.37	3.26	3.47	3.59	3.46	3.55	3.546
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	92	97	95	106	128	135	156	135	109	105	114	106	107	94	108	112	105	102	105	103	102.9 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	92	97	95	106	128	135	156	135	109	105	114	106	107	94	108	112	105	102	105	103	—
Fixed Asset Turnover	snapshot only																				59.005
Cash Velocity	snapshot only																				0.656
Capital Intensity	snapshot only																				3.173

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	46.0%	28.7%	27.8%	-12.6%	-24.3%	-24.8%	-31.9%	-12.0%	31.1%	44.3%	52.6%	41.2%	13.6%	24.4%	13.2%	2.4%	9.6%	-0.6%	11.4%	17.8%	17.82%
Net Income	4.1%	2.2%	1.4%	-32.7%	-81.1%	-1.0%	-1.2%	-99.8%	1.5%	56.8%	4.8%	592.2%	58.6%	83.5%	24.4%	-39.0%	-15.4%	-30.9%	4.4%	90.5%	90.53%
EPS	4.1%	2.2%	1.4%	-31.8%	-80.7%	-1.0%	-1.2%	-99.8%	1.5%	57.2%	4.8%	594.5%	59.1%	82.6%	24.4%	-38.4%	-15.5%	-30.9%	4.4%	90.3%	90.32%
FCF	34.0%	31.1%	33.7%	9.3%	1.7%	-0.3%	3.6%	15.4%	16.7%	12.0%	-0.1%	2.2%	9.2%	22.2%	29.2%	21.3%	12.5%	9.6%	18.1%	33.3%	33.27%
EBITDA	3.8%	2.0%	1.3%	-31.9%	-78.3%	-98.6%	-1.1%	-95.2%	1.3%	49.2%	6.0%	23.0%	54.7%	79.7%	24.5%	-36.8%	-14.1%	-30.7%	5.3%	84.9%	84.90%
Op. Income	4.5%	2.3%	1.4%	-33.6%	-82.5%	-1.0%	-1.2%	-1.0%	1.6%	16.4%	4.3%	40.5%	63.1%	86.6%	25.6%	-40.0%	-16.2%	-32.3%	4.3%	94.0%	93.98%
OCF Growth	snapshot only																				32.69%
Asset Growth	snapshot only																				12.33%
Equity Growth	snapshot only																				14.18%
Debt Growth	snapshot only																				1.26%
Shares Change	snapshot only																				0.11%
Dividend Growth	snapshot only																				6.81%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	19.0%	13.8%	21.2%	10.8%	2.2%	1.5%	-6.1%	10.2%	13.2%	11.8%	9.9%	2.8%	4.1%	10.5%	5.6%	8.4%	17.8%	21.3%	24.4%	19.4%	19.43%
Revenue 5Y	12.3%	10.8%	12.1%	9.0%	4.9%	3.7%	2.7%	6.9%	10.8%	9.9%	13.1%	11.0%	9.7%	13.4%	7.4%	14.1%	12.5%	11.5%	10.9%	5.6%	5.55%
EPS 3Y	45.8%	22.6%	1.2%	27.8%	-23.0%	—	—	-62.2%	35.5%	29.6%	15.9%	-7.3%	-8.0%	7.9%	-7.1%	-10.4%	50.6%	—	—	7.9%	7.87%
EPS 5Y	35.4%	31.9%	38.6%	28.8%	-0.7%	—	—	-65.2%	8.7%	4.8%	46.0%	19.5%	13.0%	28.5%	3.8%	81.6%	27.3%	22.4%	15.1%	-1.3%	-1.35%
Net Income 3Y	45.4%	22.3%	1.2%	26.7%	-23.9%	—	—	-62.5%	34.5%	28.3%	14.9%	-8.1%	-9.0%	6.7%	-8.0%	-11.1%	50.0%	—	—	7.8%	7.83%
Net Income 5Y	34.8%	31.3%	37.9%	27.8%	-1.5%	—	—	-65.5%	7.8%	3.9%	45.1%	18.6%	11.9%	27.3%	2.8%	80.3%	26.7%	21.8%	14.5%	-2.1%	-2.08%
EBITDA 3Y	78.4%	42.0%	1.2%	28.3%	-19.7%	-66.8%	—	-6.1%	33.4%	27.2%	14.3%	-7.8%	-8.4%	7.4%	-7.3%	-10.1%	44.9%	3.0%	—	2.0%	2.04%
EBITDA 5Y	30.2%	26.8%	33.1%	24.0%	-2.0%	-43.3%	—	-24.1%	23.0%	14.5%	46.1%	19.4%	12.9%	26.9%	3.2%	65.9%	25.8%	20.7%	14.4%	-1.7%	-1.72%
Gross Profit 3Y	35.9%	23.9%	43.7%	17.8%	-4.1%	-10.7%	-28.8%	5.3%	16.1%	16.0%	11.7%	-1.5%	-1.2%	8.6%	-0.6%	-0.3%	22.8%	39.6%	57.1%	43.5%	43.46%
Gross Profit 5Y	18.1%	16.1%	12.6%	7.9%	-2.6%	-7.6%	-8.0%	1.5%	12.7%	10.7%	19.8%	14.0%	10.9%	17.8%	5.5%	19.6%	15.2%	14.4%	12.0%	2.6%	2.56%
Op. Income 3Y	87.7%	45.0%	1.4%	29.7%	-24.1%	—	—	—	36.7%	29.1%	14.9%	-8.3%	-9.1%	7.2%	-8.0%	-11.4%	53.1%	—	—	—	—
Op. Income 5Y	32.0%	28.4%	39.9%	29.7%	-1.0%	—	—	—	24.9%	15.0%	55.4%	20.4%	13.3%	28.4%	2.9%	1.3%	28.4%	22.1%	14.7%	-2.2%	-2.15%
FCF 3Y	18.9%	18.9%	19.2%	14.5%	15.6%	15.7%	19.8%	21.9%	16.7%	13.6%	11.4%	8.8%	9.0%	10.9%	10.1%	12.6%	12.8%	14.5%	15.0%	18.2%	18.19%
FCF 5Y	10.6%	10.8%	12.5%	13.3%	11.6%	13.2%	14.5%	14.7%	14.8%	13.4%	11.9%	12.1%	14.5%	16.2%	17.3%	17.6%	14.3%	14.4%	16.1%	15.8%	15.79%
OCF 3Y	18.8%	18.6%	18.8%	14.1%	15.1%	15.1%	19.3%	21.4%	16.4%	13.3%	11.2%	8.7%	9.0%	11.0%	10.2%	12.6%	12.7%	14.2%	14.9%	18.0%	18.01%
OCF 5Y	10.6%	10.7%	12.4%	13.1%	11.4%	12.9%	14.3%	14.5%	14.7%	13.2%	11.7%	11.9%	14.2%	15.9%	17.0%	17.3%	14.1%	14.2%	15.9%	15.6%	15.56%
Assets 3Y	8.0%	8.0%	12.7%	12.7%	12.7%	12.7%	5.4%	5.4%	5.4%	5.4%	6.0%	6.0%	6.0%	6.0%	5.2%	5.2%	5.2%	5.2%	11.3%	11.3%	11.31%
Assets 5Y	7.8%	7.8%	9.0%	9.0%	9.0%	9.0%	6.4%	6.4%	6.4%	6.4%	8.4%	8.4%	8.4%	8.4%	7.5%	7.5%	7.5%	7.5%	8.3%	8.3%	8.28%
Equity 3Y	9.4%	9.4%	18.7%	18.7%	18.7%	18.7%	2.3%	2.3%	2.3%	2.3%	3.9%	3.9%	3.9%	3.9%	2.1%	2.1%	2.1%	2.1%	14.6%	14.6%	14.63%
Book Value 3Y	9.7%	9.6%	18.8%	19.7%	20.1%	20.6%	3.8%	3.1%	3.1%	3.4%	4.8%	4.9%	5.1%	5.0%	3.1%	2.9%	2.5%	2.1%	14.7%	15.1%	15.10%
Dividend 3Y	2.1%	2.0%	1.8%	2.5%	3.1%	3.8%	3.8%	3.3%	3.1%	3.4%	3.3%	3.6%	3.7%	3.7%	3.6%	3.3%	2.8%	2.5%	2.4%	2.6%	2.64%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.70	0.82	0.79	0.57	0.43	0.41	0.20	0.40	0.59	0.52	0.49	0.42	0.58	0.65	0.34	0.85	0.93	0.81	0.76	0.46	0.455
Earnings Stability	0.47	0.49	0.59	0.41	0.09	0.00	0.00	0.01	0.02	0.00	0.01	0.06	0.08	0.25	0.00	0.01	0.09	0.22	0.08	0.00	0.002
Margin Stability	0.83	0.87	0.80	0.79	0.81	0.76	0.69	0.70	0.81	0.78	0.68	0.76	0.84	0.78	0.71	0.74	0.90	0.80	0.75	0.76	0.759
Rev. Growth Consistency	0.50	1.00	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.87	0.50	0.20	0.20	0.50	0.50	0.20	0.20	0.50	0.50	0.50	0.50	0.84	0.94	0.88	0.98	0.50	0.500
Earnings Smoothness	0.00	0.00	0.17	0.61	0.00	—	—	0.00	0.14	—	—	0.00	0.55	0.41	0.78	0.52	0.83	0.63	0.96	0.38	0.377
ROE Trend	0.16	0.14	0.07	0.01	-0.12	-0.16	-0.21	-0.22	-0.02	0.04	0.06	0.12	0.09	0.18	0.11	0.01	-0.02	-0.05	-0.01	0.02	0.023
Gross Margin Trend	0.15	0.14	0.10	0.08	-0.10	-0.18	-0.29	-0.27	-0.06	0.02	0.06	0.10	0.09	0.16	0.14	0.02	-0.02	-0.04	-0.01	0.04	0.037
FCF Margin Trend	-0.00	0.01	0.03	0.02	0.06	0.07	0.11	0.09	0.00	-0.03	-0.05	-0.04	-0.02	-0.03	-0.03	-0.00	0.00	0.02	0.03	0.05	0.049
Sustainable Growth Rate	23.9%	20.7%	21.4%	13.9%	1.1%	—	—	-3.6%	7.8%	10.4%	12.3%	16.8%	14.8%	22.9%	13.8%	7.3%	10.1%	12.3%	12.5%	14.9%	14.90%
Internal Growth Rate	10.3%	8.8%	9.5%	6.0%	0.4%	—	—	—	3.1%	4.2%	4.7%	6.5%	5.7%	9.0%	5.5%	2.8%	3.9%	4.9%	5.1%	6.1%	6.09%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	0.63	0.75	0.67	0.89	3.37	-62.80	-4.21	526.00	1.56	1.26	1.11	0.91	1.08	0.84	1.16	1.80	1.43	1.32	1.30	1.25	1.254
FCF/OCF	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	1.00	1.00	1.00	0.997
FCF/Net Income	snapshot only																				1.251
OCF/EBITDA	snapshot only																				0.948
CapEx/Revenue	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	0.0%	0.1%	0.1%	0.07%
CapEx/Depreciation	snapshot only																				0.056
Accruals Ratio	0.04	0.02	0.03	0.01	-0.04	-0.06	-0.08	-0.07	-0.03	-0.01	-0.01	0.01	-0.01	0.02	-0.01	-0.03	-0.02	-0.02	-0.02	-0.02	-0.018
Sloan Accruals	snapshot only																				0.133
Cash Flow Adequacy	snapshot only																				6.380
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	2.3%	2.3%	2.3%	2.0%	2.3%	3.2%	2.8%	2.6%	3.0%	2.9%	2.9%	2.5%	2.6%	2.3%	2.2%	2.2%	2.2%	2.1%	2.0%	2.2%	2.11%
Dividend/Share	$2.36	$2.39	$2.43	$2.49	$2.56	$2.63	$2.67	$2.71	$2.77	$2.84	$2.88	$2.94	$3.00	$3.05	$3.11	$3.19	$3.21	$3.28	$3.33	$3.40	$3.55
Payout Ratio	13.5%	15.4%	13.4%	19.4%	75.7%	—	—	107.5%	32.3%	26.6%	24.6%	19.6%	21.9%	15.7%	21.4%	34.5%	27.9%	24.4%	21.9%	19.3%	19.33%
FCF Payout Ratio	21.7%	20.8%	20.1%	22.0%	22.6%	22.3%	20.8%	20.6%	20.8%	21.3%	22.3%	21.7%	20.5%	18.8%	18.7%	19.3%	19.6%	18.4%	16.9%	15.5%	15.45%
Total Payout Ratio	14.6%	17.2%	18.3%	27.2%	1.3%	—	—	205.0%	52.9%	31.3%	28.3%	24.5%	27.6%	19.6%	26.9%	40.9%	30.4%	24.6%	26.2%	28.0%	28.04%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.08	0.08	0.08	0.07	0.08	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.09	0.09	0.090
Buyback Yield	0.2%	0.3%	0.9%	0.8%	1.8%	3.8%	2.7%	2.3%	1.9%	0.5%	0.4%	0.6%	0.7%	0.6%	0.6%	0.4%	0.2%	0.0%	0.4%	1.0%	0.97%
Net Buyback Yield	0.2%	0.2%	0.8%	0.8%	1.8%	3.8%	2.7%	2.3%	1.9%	0.5%	0.4%	0.6%	0.7%	0.6%	0.6%	0.4%	0.2%	0.0%	0.4%	1.0%	0.96%
Total Shareholder Return	2.4%	2.6%	3.2%	2.8%	4.1%	7.0%	5.5%	4.9%	4.9%	3.4%	3.3%	3.1%	3.3%	2.8%	2.8%	2.6%	2.3%	2.1%	2.4%	3.1%	3.13%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.80	0.80	0.80	0.81	0.86	0.22	0.70	-0.05	0.82	0.81	0.81	0.80	0.80	0.79	0.80	0.81	0.81	0.81	0.80	0.80	0.803
Interest Burden (EBT/EBIT)	0.99	0.98	0.99	0.98	0.92	1.67	1.08	3.57	0.97	0.98	0.98	0.98	0.98	0.99	0.98	0.97	0.98	0.98	0.98	0.98	0.985
EBIT Margin	0.38	0.35	0.39	0.30	0.10	-0.01	-0.10	-0.00	0.18	0.22	0.23	0.28	0.26	0.32	0.26	0.17	0.20	0.22	0.24	0.27	0.270
Asset Turnover	0.36	0.34	0.33	0.29	0.24	0.23	0.21	0.25	0.31	0.32	0.32	0.34	0.34	0.39	0.33	0.32	0.34	0.35	0.33	0.33	0.333
Equity Multiplier	2.56	2.56	2.47	2.47	2.47	2.47	2.58	2.58	2.58	2.58	2.76	2.76	2.76	2.76	2.66	2.66	2.66	2.66	2.60	2.60	2.597

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$17.53	$15.50	$18.13	$12.84	$3.38	$-0.19	$-3.08	$0.03	$8.58	$10.66	$11.68	$15.03	$13.66	$19.47	$14.53	$9.25	$11.53	$13.45	$15.17	$17.61	$17.61
Book Value/Share	$66.23	$66.23	$80.65	$81.70	$82.11	$82.94	$66.76	$66.64	$66.85	$67.32	$76.67	$76.62	$76.81	$76.72	$88.36	$89.10	$88.31	$88.31	$100.86	$101.62	$101.51
Tangible Book/Share	$66.23	$66.23	$80.65	$81.70	$82.11	$82.94	$66.76	$66.64	$66.85	$67.32	$76.67	$76.62	$76.81	$76.72	$88.36	$89.10	$88.31	$88.31	$92.34	$93.04	$93.04
Revenue/Share	$57.97	$55.25	$59.26	$53.75	$44.77	$42.85	$41.48	$47.85	$59.30	$62.28	$63.45	$67.81	$67.59	$77.08	$71.89	$70.13	$73.97	$76.54	$80.03	$82.53	$83.47
FCF/Share	$10.90	$11.50	$12.10	$11.29	$11.31	$11.83	$12.88	$13.18	$13.34	$13.34	$12.89	$13.51	$14.60	$16.22	$16.66	$16.55	$16.40	$17.76	$19.66	$22.03	$22.28
OCF/Share	$11.01	$11.60	$12.19	$11.38	$11.40	$11.92	$12.97	$13.27	$13.43	$13.42	$13.00	$13.65	$14.74	$16.39	$16.80	$16.66	$16.51	$17.79	$19.73	$22.09	$22.34
Cash/Share	$81.26	$81.26	$87.14	$88.29	$88.73	$89.63	$84.68	$84.52	$84.78	$85.38	$93.14	$93.08	$93.32	$93.20	$110.74	$111.66	$110.67	$110.67	$124.90	$125.83	$8.13
EBITDA/Share	$22.76	$20.14	$23.48	$16.90	$5.04	$0.28	$-3.12	$0.82	$11.66	$14.40	$15.48	$19.76	$18.09	$25.76	$19.28	$12.62	$15.50	$17.83	$20.29	$23.30	$23.30
Debt/Share	$5.52	$5.52	$5.52	$5.59	$5.62	$5.68	$5.63	$5.62	$5.64	$5.68	$5.54	$5.54	$5.55	$5.54	$5.55	$5.59	$5.54	$5.54	$5.62	$5.66	$5.66
Net Debt/Share	$-75.75	$-75.75	$-81.62	$-82.69	$-83.11	$-83.95	$-79.05	$-78.90	$-79.15	$-79.70	$-87.60	$-87.55	$-87.77	$-87.66	$-105.19	$-106.06	$-105.12	$-105.12	$-119.28	$-120.18	$-120.18

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	12.221
Altman Z-Prime	snapshot only																				3.785
Piotroski F-Score	6	5	6	4	5	4	3	5	7	7	8	7	7	6	7	5	6	5	6	7	7
Beneish M-Score	-2.23	-2.17	-2.23	-0.52	-2.36	-40.26	-2.66	-2.75	-2.46	-2.96	-2.43	-2.45	-2.30	-2.27	-2.13	-1.79	-2.52	-2.51	-2.71	-2.89	-2.891
Ohlson O-Score	snapshot only																				-8.277
ROIC (Greenblatt)	snapshot only																				62.82%
Net-Net WC	snapshot only																				$-7.28

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA+
Credit Score	95.27	95.12	95.50	95.27	88.09	52.42	63.92	55.04	95.92	95.61	95.79	95.53	95.04	94.94	95.07	95.46	94.74	94.62	93.92	93.62	93.621
Credit Grade	snapshot only																				2
Credit Trend	snapshot only																				-1.837
Implied Spread (bps)	snapshot only																				65.000
Industry Credit Rank	snapshot only																				77
Sector Credit Rank	snapshot only																				96

CINF NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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