Cincinnati Financial Corporation (CINF) Stock Analysis & Winston Score

Cincinnati Financial Corporation, together with its subsidiaries, provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty, commercial property, commercial auto, and workers' compensation. It also provides director and officer liability insura

Winston Score History

Politician Trades

7 trades / 12mo

3 Congressional buys and 4 sells on CINF in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+11.6% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+405.2% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

1.9%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$1.2B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Cincinnati Financial Corporation is a rare growth stock that's already generating positive cash flow while growing at 12%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

38.8%

Modest — 38.8% gross margin

Operating Margin

11.8%

Modest — 11.8% operating margin

ROCE

2.0%

Weak — 2.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+17.8%

Fast-growing sales (17.8% YoY)

EPS YoY

+89.2%

Earnings growing fast (89.2% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

125%

Turns 125% of profit into real cash

FCF Margin

26.6%

Converts sales into free cash efficiently (26.6%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.06

Conservative — low debt load (0.06)

Interest Cover

46.14x

Comfortably covers interest (46.1x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

10.3x

no trend

Attractive valuation — P/E 10.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

-9.5

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

2.07%

no trend

Moderate income — 2.07% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+7.7%

no trend

Dividend growing modestly (7.7% YoY)

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