Cincinnati Financial vs Progressive
CINF and PGR 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 PGR compare
Progressive is the larger company, worth 4.8 times as much as Cincinnati Financial ($134B against $27.8B).
On earnings, Cincinnati Financial is cheaper: it trades at 8.5× trailing earnings, against 11.6× for Progressive.
Cincinnati Financial grew revenue faster over the last twelve months (19.6% versus 10.5% for Progressive).
Cincinnati Financial keeps more of each dollar of sales as profit, with a net margin of 23.8% compared with 12.8% at Progressive.
Both pay dividends: Cincinnati Financial yields 2.0% and Progressive 6.0%.
Cincinnati Financial scores higher on the StockData Score (17 against 15 for Progressive), 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 | CINF | PGR |
|---|---|---|
| Size and price | ||
| Market cap | $27.8B | $134B |
| Share price | $181.19 | $231.28 |
| Change, 1 year | 19.3% | 11.2% |
| Change, 5 years | 43.7% | 141% |
| Beta (5Y) | 0.56 | 0.43 |
| Employees | 5,705 | 70K |
| StockData Score | ||
| Total score | 17 (better) | 15 |
| Valuation score | 3 (better) | 2 |
| Growth score | 3 | 3 |
| Performance score | 5 | 5 |
| Health score | 3 (better) | 0 |
| Dividend score | 3 | 5 (better) |
| Valuation | ||
| P/E | 8.5× (better) | 11.6× |
| P/S | 2.0× | 1.5× (better) |
| P/B | 1.7× (better) | 3.9× |
| P/FCF | 8.2× (better) | 8.4× |
| PEG | – | 0.08 |
| FCF yield | 12.2% (better) | 11.9% |
| Fair value | $195.80 | $249.05 |
| Margin of safety | 7.5% (better) | 7.1% |
| Growth | ||
| Revenue growth (TTM) | 19.6% (better) | 10.5% |
| Revenue growth, 5Y average | 10.9% | 15.5% (better) |
| Net income growth (TTM) | 82.8% (better) | 12.1% |
| EPS growth (TTM) | 83.9% (better) | 12.3% |
| EPS growth, 5Y average | 15.2% (better) | 14.8% |
| Profitability | ||
| Net margin | 23.8% (better) | 12.8% |
| FCF margin | 24.4% (better) | 17.5% |
| Return on equity | 21.5% | 34.9% (better) |
| Financial health | ||
| Debt / equity | 0.05 | – |
| Altman Z-score | 1.53 | 1.98 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 2.0% | 6.0% (better) |
| Payout ratio | 16.3% | 69.7% |
| Years of dividend growth | 7 (better) | 3 |
| Dividend growth, 5Y average | 7.7% | 23.2% (better) |
| Buyback yield | 2.0% | – |
| Shareholder yield | 4.0% | 6.0% (better) |
| Ownership | ||
| Held by institutions | 72.7% | 87.5% |
| Held by insiders | 1.9% | 0.26% |
| Insider net buying, 12 months | −$976K (better) | −$31.0M |
| Superinvestors holding | – | 6 |
| Short interest, % of float | 2.9% | 1.2% |
Go deeper
- CINF stock overview
- CINF income statement
- CINF valuation and score
- PGR stock overview
- PGR income statement
- PGR valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.