Cincinnati Financial vs Hartford Insurance
CINF and HIG 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 CINF and HIG compare
Hartford Insurance is the larger company, worth 1.3 times as much as Cincinnati Financial ($35.9B against $27.8B).
On earnings, Cincinnati Financial is cheaper: it trades at 8.5× trailing earnings, against 8.6× for Hartford Insurance.
Cincinnati Financial grew revenue faster over the last twelve months (19.6% versus 7.0% for Hartford Insurance).
Cincinnati Financial keeps more of each dollar of sales as profit, with a net margin of 23.8% compared with 15.0% at Hartford Insurance.
Both pay dividends: Cincinnati Financial yields 2.0% and Hartford Insurance 1.8%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CINF | HIG |
|---|---|---|
| Size and price | ||
| Market cap | $27.8B | $35.9B |
| Share price | $181.19 | $132.59 |
| Change, 1 year | 19.3% | 8.4% |
| Change, 5 years | 43.7% | 84.6% |
| Beta (5Y) | 0.56 | 0.54 |
| Employees | 5,705 | 19K |
| StockData Score | ||
| Total score | 17 | 17 |
| Valuation score | 3 | 4 (better) |
| Growth score | 3 | 3 |
| Performance score | 5 | 6 (better) |
| Health score | 3 (better) | 0 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 8.5× (better) | 8.6× |
| P/S | 2.0× | 1.2× (better) |
| P/B | 1.7× (better) | 1.8× |
| EV/EBITDA | – | 6.3× |
| P/FCF | 8.2× | 6.1× (better) |
| PEG | – | 0.25 |
| FCF yield | 12.2% | 16.4% (better) |
| Fair value | $195.80 | $149.44 |
| Margin of safety | 7.5% | 11.3% (better) |
| Growth | ||
| Revenue growth (TTM) | 19.6% (better) | 7.0% |
| Revenue growth, 5Y average | 10.9% (better) | 6.7% |
| Net income growth (TTM) | 82.8% (better) | 34.5% |
| EPS growth (TTM) | 83.9% (better) | 40.3% |
| EPS growth, 5Y average | 15.2% | 22.9% (better) |
| Profitability | ||
| Net margin | 23.8% (better) | 15.0% |
| FCF margin | 24.4% (better) | 20.2% |
| Return on equity | 21.5% | 23.5% (better) |
| Financial health | ||
| Debt / equity | 0.05 | – |
| Altman Z-score | 1.53 (better) | 1.07 |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.0% (better) | 1.8% |
| Payout ratio | 16.3% | 14.3% |
| Years of dividend growth | 7 | 13 (better) |
| Dividend growth, 5Y average | 7.7% | 10.7% (better) |
| Buyback yield | 2.0% | 4.8% (better) |
| Shareholder yield | 4.0% | 6.6% (better) |
| Ownership | ||
| Held by institutions | 72.7% | 93.4% |
| Held by insiders | 1.9% | 0.35% |
| Insider net buying, 12 months | −$976K (better) | −$56.5M |
| Short interest, % of float | 2.9% | 1.5% |
Go deeper
- CINF stock overview
- CINF income statement
- CINF valuation and score
- HIG stock overview
- HIG income statement
- HIG valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.