Profitability
Weight: 25%
B-
64
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 66.5%
- Loss Ratio Trend -12.53 pp/yr
CINF
Cincinnati Financial Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B
73
- 5yr Avg ROE 13.0%
- 5yr Share-Count CAGR -0.6%
Growth Quality
Weight: 10%
A+
96
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 103.1%
- Loss Ratio Trend (growth quality check) -12.53 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
C
55
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 2.0%
- Loss Ratio Stability (σ) 3.56
Balance Sheet
Weight: 25%
A
88
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.63x
- Interest Coverage (EBIT/Int) 57.23x
Stability
Weight: 10%
C-
47
- EPS Volatility (σ/μ) 0.60
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 trimmed; 1 full exit.
- Holders
- 1 -1
- Avg Δ position
- -15.4%
- New buys
- 0
- Full exits
- 1
- Dalio sold -100%
- Greenblatt decreased -15%