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Cincinnati Financial Corporation Quality Score

CINF

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Quality98

Strong across all measured dimensions. No single area is pulling the score down meaningfully.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
11.2x

Under 20x, reasonable relative to earnings

Price / Book
90/100
1.81x

1.8x book, reasonable for a financial

Revenue Growth
100/100
19.3%

Above 10% CAGR, strong compounder

Book Value Growth
100/100
16.3%

Above 8% book-value compounding, strong

Business Quality & Capital Allocation

Share Dilution
100/100
-2.3%

Shrinking >2%, active buybacks

Return on Equity
100/100
16.5%

Above 15%, strong return on equity

Capital Adequacy
100/100
38.0%

38.0% equity/assets, well-capitalized

Margin Trend
100/100
+27.5pp

Net margin expanded 3+pp, strong improvement

Cincinnati Financial (CINF) quality: score, margins and returns

Cincinnati Financial (CINF) scores 98/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Cincinnati Financial (CINF) a high-quality business?+

Cincinnati Financial scores 98 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Cincinnati Financial's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from CINF's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Cincinnati Financial scores well and where it falls behind.

How profitable is Cincinnati Financial?+

Cincinnati Financial runs a net margin of about 20.1%. Revenue has grown at roughly 10.9% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 22 Oct 2026, covering the period ending 30 Sept 2026, as reported to the SEC. Data last refreshed 27 Oct 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

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Held by ETFs

CINF is in 265 US ETFs. The largest of them, with CINF's weight in each:

Spot a number that looks wrong? Check it in CINF's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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