Cincinnati Financial Corporation (CINF) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
Cincinnati Financial Corporation (CINF) scores 7.0 out of 10 as of , computed from its reported financial statements. That reads as high quality. The reading rests on efficiency, and predictability is what holds it back.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Cincinnati Financial Corporation’s returns on capital beat their cost in most measured years: 2 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
On the filings behind it, Cincinnati Financial Corporation earns 7.0 out of 10 for business quality as of October 16, 2026. That is high quality on our scale. A high reading means most of the pillars are strong, with no serious weakness pulling the average down. The figure is a weighted average of five pillars, each scored from 0 to 10 against sector-aware benchmarks from reported statements.
Among the 261 Financials companies with a published score, that ranks at the 82nd percentile, in the top quarter of its peers. A typical company in the group scores 5.9, and the best quarter starts from 6.8. Cincinnati Financial Corporation is above that typical reading.
Profitability scores 7.8 out of 10, which reads as strong. The median across 255 Financials companies is 6.8, so Cincinnati Financial Corporation is above its peers on this pillar and ranks at the 76th percentile. High profitability means each unit of capital and of sales is turning into more profit than at most of its peers, which is usually the first sign of pricing power or a cost advantage.
Cincinnati Financial Corporation’s solvency score is 9.8 out of 10 (strong). Against a median of 8.5 among 140 Financials companies, that is above the group and the 83rd percentile. A high solvency score means leverage is modest relative to earnings and cash flow, which gives management room to act in a bad year.
Cincinnati Financial Corporation’s growth score is 4.3 out of 10 (average). Against a median of 4.6 among 241 Financials companies, that is in line with the group and the 43rd percentile. Growth near the median is neither a reason to buy nor a concern, but it does mean the quality case rests more on the other pillars.
Efficiency scores 10.0 out of 10, which reads as strong. The median across 211 Financials companies is 5.8, so Cincinnati Financial Corporation is well above its peers on this pillar and ranks at the 91st percentile. A strong efficiency reading usually shows up as healthy cash conversion: reported profit arriving as real cash rather than staying on the balance sheet.
On predictability, Cincinnati Financial Corporation scores 3.7, a weak reading. Its peers have a median of 4.9 across 256 Financials companies, which places it below them, at the 30th percentile. Weak predictability means revenue or earnings have swung widely from year to year, so any single year’s figures are a less reliable guide.
This is a lopsided profile. Efficiency scores 10.0 but predictability only 3.7, a gap of 6.3 points, so the overall hides a business that is excellent in one respect and weak in another. An efficiency lead means the operation turns what it has into cash better than it does anything else. A predictability shortfall means the record is volatile, so the averages behind the other pillars move more than they appear to.
Of everything that could lift Cincinnati Financial Corporation’s score, predictability matters most. Bringing it up to the 4.9 median of Financials companies would take the overall from 7.0 to roughly 7.2. All five pillars could be scored, so the overall uses the full set of weights out of 100: profitability 25, solvency 20, growth 20, efficiency 15, predictability 20.
These are the Financials companies closest to Cincinnati Financial Corporation in market value. Each has its own page scored on the same five pillars, so the comparison is like for like.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Cincinnati Financial Corporation scores 7.0 out of 10, which reads as high quality. Its strongest pillar is efficiency, its weakest is predictability. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Cincinnati Financial Corporation ranks at the 82nd percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Cincinnati Financial Corporation’s 7.0.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for CINF are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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