CINF Cincinnati Financial Corporation

Financial Services

Price

$172.72

Intrinsic value

$115.94

Buy price

$92.75

Discount

-49.0%

Overvalued

DCF walkthrough

This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.

Discount rate9.00%

Margin of safety20.00%

Operating CF: $3,458,000,000.00
Total debt: $876,000,000.00
Cash & STI: $1,892,000,000.00
Shares out.: 155,700,000

Overvalued

Intrinsic value$115.69

Buy price (with MOS)$92.55

Current price$172.72

Discount to intrinsic value-49.3%

7-step quality scorecard

ROE quality

LOW

Average ROE: 10.5%
Current ROE: 15.0%
Minimum ROE: -4.6%

Debt quality

CONSERVATIVE

Debt / Equity: 0.06x

Moat proxy

WEAK_PROXY

Cash-flow reliability

NOT_APPLICABLE

Operating CF / Net income: 1.04x

Technical chart

Confluence: MODERATE (2/3)

Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.

Assumptions & data quality

Data source: yfinance
Growth (g1) source: min(revenueCAGR,cfCAGR)+trough_adj
Valuation model: EXCESS_RETURN
Debt as % of DCF PV: 2.5%
Public economic interest: 100.0%

These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.