Assurant vs Cincinnati Financial
AIZ and CINF side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AIZ and CINF compare
Cincinnati Financial is the larger company, worth 1.9 times as much as Assurant ($27.8B against $14.4B).
On earnings, Cincinnati Financial is cheaper: it trades at 8.5× trailing earnings, against 13.9× for Assurant.
Cincinnati Financial grew revenue faster over the last twelve months (19.6% versus 9.4% for Assurant).
Cincinnati Financial keeps more of each dollar of sales as profit, with a net margin of 23.8% compared with 7.9% at Assurant.
Both pay dividends: Assurant yields 1.2% and Cincinnati Financial 2.0%.
Cincinnati Financial scores higher on the StockData Score (17 against 15 for Assurant), 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 | AIZ | CINF |
|---|---|---|
| Size and price | ||
| Market cap | $14.4B | $27.8B |
| Share price | $292.80 | $181.19 |
| Change, 1 year | 40.7% | 19.3% |
| Change, 5 years | 80.1% | 43.7% |
| Beta (5Y) | 0.60 | 0.56 |
| Employees | 15K | 5,705 |
| StockData Score | ||
| Total score | 15 | 17 (better) |
| Valuation score | 2 | 3 (better) |
| Growth score | 4 (better) | 3 |
| Performance score | 5 | 5 |
| Health score | 0 | 3 (better) |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 13.9× | 8.5× (better) |
| P/S | 1.1× (better) | 2.0× |
| P/B | 2.4× | 1.7× (better) |
| EV/EBITDA | 7.5× | – |
| P/FCF | 8.7× | 8.2× (better) |
| PEG | 0.28 | – |
| FCF yield | 11.5% | 12.2% (better) |
| Fair value | $237.39 | $195.80 |
| Margin of safety | −23.3% | 7.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 9.4% | 19.6% (better) |
| Revenue growth, 5Y average | 6.0% | 10.9% (better) |
| Net income growth (TTM) | 48.3% | 82.8% (better) |
| EPS growth (TTM) | 51.0% | 83.9% (better) |
| EPS growth, 5Y average | 19.4% (better) | 15.2% |
| Profitability | ||
| Net margin | 7.9% | 23.8% (better) |
| FCF margin | 12.3% | 24.4% (better) |
| Return on equity | 18.3% | 21.5% (better) |
| Financial health | ||
| Debt / equity | – | 0.05 |
| Altman Z-score | 0.86 | 1.53 (better) |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.2% | 2.0% (better) |
| Payout ratio | 16.6% | 16.3% |
| Years of dividend growth | 16 (better) | 7 |
| Dividend growth, 5Y average | 5.2% | 7.7% (better) |
| Buyback yield | 2.6% (better) | 2.0% |
| Shareholder yield | 3.8% | 4.0% (better) |
| Ownership | ||
| Held by institutions | 98.6% | 72.7% |
| Held by insiders | 0.79% | 1.9% |
| Insider net buying, 12 months | −$11.0M | −$976K (better) |
| Short interest, % of float | – | 2.9% |
Go deeper
- AIZ stock overview
- AIZ income statement
- AIZ 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.