What Is CINF Fair Value?
Cincinnati Financial (CINF) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Cincinnati Financial (CINF) has a composite fair value estimate of $269.78 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $172.43, suggesting the stock is undervalued by 56.5%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$269.78
vs. current price of $172.43(+56.5%)
How Is CINF Fair Value Calculated?
Four independent models estimate what CINF is worth. Each uses different inputs and assumptions. The composite blends them by weight.
CINF Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$476.58
+176.4%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$105.41
-38.9%Overvalued
Inputs used
CINF Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$142.33
-17.5%Overvalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$88.58
-48.6%Overvalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $172.43 is 176.4% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $2.96B | $2.75B |
| Year 2 | $3.19B | $2.76B |
| Year 3 | $3.43B | $2.77B |
| Year 4 | $3.69B | $2.77B |
| Year 5 | $3.98B | $2.78B |
| Year 6 | $4.28B | $2.79B |
| Year 7 | $4.61B | $2.79B |
| Year 8 | $4.97B | $2.80B |
| Year 9 | $5.35B | $2.81B |
| Year 10 | $5.76B | $2.81B |
| Terminal Value | $119.79B | $58.52B |
What Are CINF's Key Financial Metrics?
Earnings & Growth
Current Price
$172.43
EPS (TTM)
$17.50
Forward P/E
18.7
Profit Margin
21.3%
Cash & Balance Sheet
Free Cash Flow
2.7B
EBITDA
3.6B
Book Value
$101.64
Total Debt
884M
What Do Analysts Say About CINF?
Low
$172.00
Average
$185.50
High
$201.00
Upside
+7.6%
CINF Fair Value FAQ
What is the fair value of CINF?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), CINF's estimated fair value is $269.78. The stock is currently trading at $172.43, which makes it undervalued by our analysis.
How is CINF's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is CINF overvalued or undervalued?
Based on our analysis, CINF is undervalued. The current price of $172.43 is 56.5% below our estimated fair value of $269.78.
What do Wall Street analysts say about CINF?
6 analysts cover Cincinnati Financial with a consensus rating of "Buy." The average price target is $185.50, ranging from $172.00 to $201.00. This implies 7.6% upside from the current price.