Cincinnati Financial Corporation (CINF) compounding analysis
Full-size annual and quarterly year-over-year growth charts for revenue, EPS, operating cash flow, EBITDA, and free cash flow against the 15%, 20%, and 30% bars over 3-, 5-, and 10-year windows, with each metric's valuation multiple vs its own history.
Revenue · 5YDoes not currently clear the 15%+, 20%+, or 30%+ revenue bars over 5Y.
- Score
- 16/100
- 5Y CAGR
- 10.9%
- Median YoY
- 9.7%
- YoY volatility
- σ 59.7pp· choppy
- Quarters ≥ 20%
- 8 of 20
- Negative quarters
- 9
- Valuation vs own 5Y history
- P/S 2.3x · 5Y median 2.0x · 89th percentile
How this score is computed
- Quarters at or above 20%: 8 of 20 → 16 of 40 pts
- Steadiness (typical swing 59.7pp) → 0 of 25 pts
- Pace (median 9.7% YoY) → 0 of 20 pts
- Latest quarter (11.6% YoY) → 0 of 15 pts
- Score: 16 of 100
Annual revenue · last 11 fiscal years
Quarterly YoY revenue growth vs the 20% line · 5Y
P/S multiple vs its 5Y median · context only
Across metrics · 5Y
| Metric | 5Y CAGR | Median YoY | YoY σ | Qtrs ≥ 20% | Neg. qtrs |
|---|---|---|---|---|---|
| RevenueRevenue | 10.9% | 9.7% | 59.7pp | 8 of 20 | 9 |
| EPSEPS | 15.2% | — | — | — | — |
| Op cash flowOperating cash flow | 15.9% | 20.6% | 30.9pp | 10 of 20 | 6 |
| EBITDAEBITDA | 14.4% | — | — | — | — |
| FCFFree cash flow | 16% | 21.8% | 31.1pp | 10 of 20 | 5 |
Reported figures over 5Y: annual-series CAGR, median and standard deviation (σ, percentage points) of quarterly year-over-year growth, quarters at or above 20%, and quarters with negative YoY. “—” means the window needs more comparable data.
Scores, qualification bars, and the 0–100 consistency methodology are documented on the compounders list page →
See also: CINF on the compounders surface · All compounders, ranked
About Cincinnati Financial Corporation
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.
- Sector
- Financial Services
- Industry
- Insurance - Property & Casualty
- CEO
- Stephen Michael Spray