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 ($29.1B against $13.4B).
On earnings, Cincinnati Financial is cheaper: it trades at 11.1× trailing earnings, against 13.1× for American Financial.
Cincinnati Financial grew revenue faster over the last twelve months (9.9% versus 3.3% for American Financial).
Cincinnati Financial keeps more of each dollar of sales as profit, with a net margin of 20.1% compared with 12.0% at American Financial.
Both pay dividends: American Financial yields 2.2% and Cincinnati Financial 1.9%.
Cincinnati Financial scores higher on the StockData Score (14 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 | $13.4B | $29.1B |
| Share price | $161.02 | $189.65 |
| Change, 1 year | 13.4% | 13.6% |
| Change, 5 years | 14.6% | 59.6% |
| Beta (5Y) | 0.55 | 0.55 |
| Employees | 8,500 | 5,705 |
| StockData Score | ||
| Total score | 9 | 14 (better) |
| Valuation score | 0 | 0 |
| Growth score | 2 | 3 (better) |
| Performance score | 4 | 5 (better) |
| Health score | 1 | 3 (better) |
| Dividend score | 2 | 3 (better) |
| Valuation | ||
| P/E | 13.1× | 11.1× (better) |
| P/S | 1.6× (better) | 2.2× |
| P/B | 2.8× | 1.8× (better) |
| EV/EBITDA | 8.7× | – |
| P/FCF | – | 9.5× |
| FCF yield | – | 10.6% |
| Fair value | $128.03 | $172.99 |
| Margin of safety | −25.8% | −9.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 3.3% | 9.9% (better) |
| Revenue growth, 5Y average | 7.2% | 10.9% (better) |
| Net income growth (TTM) | 27.8% (better) | 25.5% |
| EPS growth (TTM) | 28.8% (better) | 26.9% |
| EPS growth, 5Y average | 4.2% | 15.2% (better) |
| Profitability | ||
| Operating margin | 15.2% | – |
| Net margin | 12.0% | 20.1% (better) |
| FCF margin | – | 23.2% |
| Return on equity | 21.6% (better) | 16.9% |
| Return on invested capital | 32.6% | – |
| Financial health | ||
| Debt / equity | – | 0.05 |
| Interest coverage | 13.9× | – |
| Altman Z-score | 0.62 | 1.57 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.2% (better) | 1.9% |
| Payout ratio | 57.1% | 20.7% |
| Years of dividend growth | 0 | 7 (better) |
| Dividend growth, 5Y average | 13.6% (better) | 7.7% |
| Buyback yield | 0.77% | 1.7% (better) |
| Shareholder yield | 3.0% | 3.7% (better) |
| Ownership | ||
| Held by institutions | 69.9% | 72.7% |
| Held by insiders | 8.8% | 2.0% |
| Insider net buying, 12 months | −$15.8M | −$976K (better) |
| Short interest, % of float | – | 2.7% |
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.