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Cincinnati Financial Corporation (CINF), based in Fairfield, Ohio, provides property and casualty insurance products in the United States. With a market cap of $22.9 billion, the company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments.
CINF shares have outpaced the broader market over the past year, surging 22.3% compared to the S&P 500 Index’s ($SPX) 10.1% surge. Moreover, in 2025, the stock has climbed 1.1%, outpacing the SPX’s marginal decline.
Focusing on its industry benchmark, the Financial Select Sector SPDR Fund (XLF) has risen 19.8% over the past year and 3.9% this year, lagging behind CINF’s double-digit gains over the past year but outperforming the stock in 2025.
CINF stock surged 1.6% following the release of its Q1 earnings on Apr. 28. The company announced a 13% year-over-year decline in its total revenues, which amounted to $2.6 billion. Moreover, CINF reported an adjusted loss per share of $0.24 for the quarter, which surpassed the consensus estimates by 60.7%.
For the current year ending in December, analysts expect CINF’s EPS to decline 30.3% to $5.28 on a diluted basis. The company’s earnings surprise history is mixed. It surpassed the consensus estimate in three of the last four quarters, while only missing on one occasion.
Among the 9 analysts covering CINF stock, the consensus is a “Moderate Buy.” That’s based on three “Strong Buy” ratings, one “Moderate Buy,” and five “Holds.”
This configuration has remained mostly stable in recent months.
On Apr. 9, Keefe, Bruyette & Woods, Inc. analyst Meyer Shields maintained a “Buy” rating on CINF stock and lowered its price performance from $182 to $148.
CINF’s mean price target of $152 indicates a premium of 4.6% from the current market prices. Its Street-high target of $165 suggests a robust 13.6% upside potential from current price levels.
