Cincinnati Financial Corporation (CINF) Stock Investment Calculator & Historical Return Analysis
Cincinnati Financial Corporation is an insurance holding company that provides a wide range of life and non-life insurance solutions to individuals and corporate customers. It operates through a network of independent insurance agencies across various states. Investors often view Cincinnati Financial Corporation as a key player in the market, analyzing its long-term potential through various revenue models, brand recognition, and consistent presence in its industry.
This Cincinnati Financial Corporation stock investment calculator allows you to explore how a hypothetical investment in CINF might have performed over time. By adjusting the investment amount and time period, you can visualize potential growth, compare outcomes across different market cycles, and better understand the impact of long-term investing.
What if you invested $1000 in CINF on Jan 1, 2020?
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Understanding Cincinnati Financial Corporation's Historical Performance
Cincinnati Financial Corporation's stock performance has historically reflected both broader market trends and company-specific milestones. Like many growth-oriented stocks, CINF has experienced periods of growth driven by innovation and market demand.
When analyzing Cincinnati Financial Corporation's historical returns, it's important to consider:
- Market cycles: Strong bull markets often amplify returns, while recessions can temporarily suppress performance.
- Business model evolution: Changes in revenue strategies and product lines can significantly impact stability.
- Long-term trends: Over extended periods, compounding can play a larger role than short-term price fluctuations. Try our calculator to explore returns over 5 years or larger investments over 10 years.
This calculator helps you see how these factors might have affected an investment depending on when you entered the market.
Historical Annual Returns
Over the past 40 years, Cincinnati Financial Corporation has delivered an average annual return of 15.2%. The stock peaked in 1997 with a massive +120.0% gain, while investors faced a downturn in 1987 (-36.0%). Overall, the stock finished in the green 28 times out of 40 years.
Avg Return
+15.2%
Win Rate
70%
28W - 12L
Best
+120.0%
1997
Worst
-36.0%
1987
Performance Consistency
Cincinnati Financial Corporation Annual Returns by Year
| Year | Annual Return | Start Price | End Price |
|---|---|---|---|
| 1986 | +4.74% | $1.71 | $1.79 |
| 1987 | -35.99% | $1.81 | $1.16 |
| 1988 | +35.55% | $1.19 | $1.61 |
| 1989 | +53.84% | $1.63 | $2.50 |
| 1990 | +8.83% | $2.50 | $2.72 |
| 1991 | +34.07% | $2.67 | $3.58 |
| 1992 | +75.18% | $3.57 | $6.25 |
| 1993 | -10.59% | $6.23 | $5.57 |
| 1994 | -2.71% | $5.64 | $5.49 |
| 1995 | +37.00% | $5.44 | $7.45 |
| 1996 | +5.76% | $7.51 | $7.94 |
| 1997 | +119.97% | $7.98 | $17.56 |
| 1998 | -17.97% | $16.99 | $13.93 |
| 1999 | -15.41% | $14.29 | $12.09 |
| 2000 | +32.40% | $11.83 | $15.67 |
| 2001 | -1.58% | $15.69 | $15.44 |
| 2002 | +1.40% | $15.33 | $15.54 |
| 2003 | +10.82% | $16.00 | $17.73 |
| 2004 | +13.66% | $17.82 | $20.25 |
| 2005 | +8.63% | $20.34 | $22.09 |
| 2006 | +3.88% | $22.20 | $23.06 |
| 2007 | -10.79% | $23.32 | $20.81 |
| 2008 | -20.32% | $20.17 | $16.07 |
| 2009 | -3.26% | $16.02 | $15.50 |
| 2010 | +26.22% | $15.65 | $19.75 |
| 2011 | -0.42% | $20.13 | $20.05 |
| 2012 | +33.61% | $20.14 | $26.91 |
| 2013 | +36.01% | $27.40 | $37.26 |
| 2014 | +4.46% | $36.61 | $38.24 |
| 2015 | +19.53% | $38.08 | $45.51 |
| 2016 | +35.26% | $44.26 | $59.87 |
| 2017 | +2.29% | $59.90 | $61.27 |
| 2018 | +9.00% | $59.72 | $65.10 |
| 2019 | +42.18% | $63.59 | $90.41 |
| 2020 | -14.80% | $91.10 | $77.62 |
| 2021 | +37.80% | $75.07 | $103.45 |
| 2022 | -7.22% | $102.70 | $95.28 |
| 2023 | +2.38% | $96.79 | $99.10 |
| 2024 | +39.23% | $101.41 | $141.20 |
| 2025 | +16.66% | $140.00 | $163.32 |
Historical annual returns for Cincinnati Financial Corporation. Data shows year-over-year percentage change in stock price.
Why Use a "What If" Stock Calculator?
Many investors wonder questions such as:
- What if I had invested 5 years ago?
- How does timing affect long-term returns?
- What role does compounding play in stock investments?
A what-if investment calculator answers these questions by turning historical data into practical insights. Rather than focusing on daily price movements, it encourages a long-term perspective, which is especially useful for retirement planning, portfolio comparisons, and financial education.
Key Innovations
- ✓Pioneered an exclusive partnership model with independent insurance agents, fostering strong local relationships.
- ✓Known for its consistent history of increasing dividends, demonstrating financial stability and commitment to shareholders.
Business Segments
- Commercial Lines InsuranceProvides commercial casualty, commercial property, commercial auto, and workers' compensation insurance.
- Personal Lines InsuranceProvides personal auto, homeowners, dwelling fire, and personal umbrella liability insurance.
- Life InsuranceOffers term, whole life, universal life, and disability income insurance, as well as fixed annuities.
How to Interpret the Results
The results shown are based on historical performance and are meant for educational and informational purposes only. They do not account for future market conditions, taxes, transaction fees, or individual investment strategies. Past performance does not guarantee future results, but historical analysis can help investors understand risk, volatility, and growth potential.
For best use:
- Compare multiple time ranges to see how outcomes differ
- Use consistent assumptions across different stocks
- Combine this tool with fundamental research and diversification principles