
Cincinnati Financial (CINF) Stock Forecast & Price Target
Cincinnati Financial (CINF) Analyst Ratings
Bulls say
Cincinnati Financial Corp is poised for growth, with expectations of increased premium and investment income driving earnings per share (EPS) outperformance, bolstered by the company's historically strong reserving practices. The company's fixed maturity portfolio's pretax yield increased to 4.93% year-over-year, along with a new money yield of 5.66%, supporting expectations for rising net investment income, projected to reach $1.18 billion in 2025 and $1.28 billion in 2026. Additionally, an improved core loss ratio of 51.0%, particularly significant gains in the commercial property segment, alongside a strong fourth quarter combined ratio of 84.5% in commercial insurance, underscores Cincinnati's robust underwriting capabilities and financial health.
Bears say
Cincinnati Financial Corp has revised its 2025 earnings per share (EPS) estimate downwards from $7.55 to $5.35, primarily due to anticipated higher catastrophe losses in the first quarter. The company’s risk exposure is heightened by weak equity market performance and rising loss cost trends, leading to an unfavorable full-year line resulting in increased reserves, specifically for incurred but not reported losses. Furthermore, CINF has underperformed key indices, such as the KBW Insurance Index and the S&P 500, reflecting negative investor sentiment as the company grapples with elevated social inflation and increasing loss ratios.
This aggregate rating is based on analysts' research of Cincinnati Financial and is not a guaranteed prediction by Public.com or investment advice.
Cincinnati Financial (CINF) Analyst Forecast & Price Prediction
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