American Financial vs Cincinnati Financial
AFG and CINF side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AFG and CINF compare
Cincinnati Financial is the larger company, worth 2.2 times as much as American Financial ($27.8B against $12.8B).
On earnings, Cincinnati Financial is cheaper: it trades at 8.5× trailing earnings, against 13.4× for American Financial.
Cincinnati Financial grew revenue faster over the last twelve months (19.6% versus −0.24% for American Financial).
Cincinnati Financial keeps more of each dollar of sales as profit, with a net margin of 23.8% compared with 11.5% at American Financial.
Both pay dividends: American Financial yields 2.3% and Cincinnati Financial 2.0%.
Cincinnati Financial scores higher on the StockData Score (17 against 9 for American Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | AFG | CINF |
|---|---|---|
| Size and price | ||
| Market cap | $12.8B | $27.8B |
| Share price | $153.87 | $181.19 |
| Change, 1 year | 18.5% | 19.3% |
| Change, 5 years | 7.6% | 43.7% |
| Beta (5Y) | 0.56 | 0.56 |
| Employees | 8,500 | 5,705 |
| StockData Score | ||
| Total score | 9 | 17 (better) |
| Valuation score | 0 | 3 (better) |
| Growth score | 2 | 3 (better) |
| Performance score | 4 | 5 (better) |
| Health score | 1 | 3 (better) |
| Dividend score | 2 | 3 (better) |
| Valuation | ||
| P/E | 13.4× | 8.5× (better) |
| P/S | 1.5× (better) | 2.0× |
| P/B | 2.6× | 1.7× (better) |
| EV/EBITDA | 8.8× | – |
| P/FCF | – | 8.2× |
| FCF yield | – | 12.2% |
| Fair value | $123.84 | $195.80 |
| Margin of safety | −24.2% | 7.5% (better) |
| Growth | ||
| Revenue growth (TTM) | −0.24% | 19.6% (better) |
| Revenue growth, 5Y average | 7.2% | 10.9% (better) |
| Net income growth (TTM) | 24.7% | 82.8% (better) |
| EPS growth (TTM) | 25.7% | 83.9% (better) |
| EPS growth, 5Y average | 4.2% | 15.2% (better) |
| Profitability | ||
| Operating margin | 14.5% | – |
| Net margin | 11.5% | 23.8% (better) |
| FCF margin | – | 24.4% |
| Return on equity | 20.4% | 21.5% (better) |
| Return on invested capital | 28.6% | – |
| Financial health | ||
| Debt / equity | – | 0.05 |
| Interest coverage | 13.5× | – |
| Altman Z-score | 0.64 | 1.53 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.3% (better) | 2.0% |
| Payout ratio | 60.4% | 16.3% |
| Years of dividend growth | 0 | 7 (better) |
| Dividend growth, 5Y average | 13.6% (better) | 7.7% |
| Buyback yield | 0.61% | 2.0% (better) |
| Shareholder yield | 3.0% | 4.0% (better) |
| Ownership | ||
| Held by institutions | 69.9% | 72.7% |
| Held by insiders | 13.7% | 1.9% |
| Insider net buying, 12 months | −$16.0M | −$976K (better) |
| Short interest, % of float | – | 2.9% |
Go deeper
- AFG stock overview
- AFG income statement
- AFG valuation and score
- CINF stock overview
- CINF income statement
- CINF valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.