DCF ScreenerData as of Oct 10, 2026, 1:06 AM UTC
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CINF Cincinnati Financial Corporation

Financial Services

Price
$163.08
Intrinsic value
$115.94
Buy price
$92.75
Discount
-40.7%
Overvalued

Live signals

Daily bars as of Oct 8, 2026

Nothing firing right now - no PAM pattern in the last 5 daily bars, and no DR1 support reclaim in the last 5 weekly bars. Technical confluence is DOWNTREND (2/3) - see the chart below.

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$163.08
Discount to intrinsic value-41.0%

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: DOWNTREND (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 (see Live signals above for when it fired).

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.