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 1.8 times as much as Assurant ($29.1B against $15.9B).
On earnings, Cincinnati Financial is cheaper: it trades at 11.1× trailing earnings, against 15.2× for Assurant.
Cincinnati Financial grew revenue faster over the last twelve months (9.9% versus 9.4% for Assurant).
Cincinnati Financial keeps more of each dollar of sales as profit, with a net margin of 20.1% compared with 7.8% at Assurant.
Both pay dividends: Assurant yields 1.1% and Cincinnati Financial 1.9%.
Cincinnati Financial scores higher on the StockData Score (14 against 13 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 | $15.9B | $29.1B |
| Share price | $322.11 | $189.65 |
| Change, 1 year | 42.2% | 13.6% |
| Change, 5 years | 102% | 59.6% |
| Beta (5Y) | 0.59 | 0.55 |
| Employees | 15K | 5,705 |
| StockData Score | ||
| Total score | 13 | 14 (better) |
| Valuation score | 0 | 0 |
| Growth score | 4 (better) | 3 |
| Performance score | 5 | 5 |
| Health score | 0 | 3 (better) |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 15.2× | 11.1× (better) |
| P/S | 1.2× (better) | 2.2× |
| P/B | 2.7× | 1.8× (better) |
| EV/EBITDA | 8.1× | – |
| P/FCF | 8.7× (better) | 9.5× |
| PEG | 0.31 | – |
| FCF yield | 11.5% (better) | 10.6% |
| Fair value | $240.92 | $172.99 |
| Margin of safety | −33.7% | −9.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 9.4% | 9.9% (better) |
| Revenue growth, 5Y average | 6.0% | 10.9% (better) |
| Net income growth (TTM) | 26.4% (better) | 25.5% |
| EPS growth (TTM) | 28.1% (better) | 26.9% |
| EPS growth, 5Y average | 19.4% (better) | 15.2% |
| Profitability | ||
| Net margin | 7.8% | 20.1% (better) |
| FCF margin | 13.3% | 23.2% (better) |
| Return on equity | 18.3% (better) | 16.9% |
| Financial health | ||
| Debt / equity | – | 0.05 |
| Altman Z-score | 0.89 | 1.57 (better) |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.1% | 1.9% (better) |
| Payout ratio | 16.7% | 20.7% |
| Years of dividend growth | 16 (better) | 7 |
| Dividend growth, 5Y average | 5.2% | 7.7% (better) |
| Buyback yield | 2.3% (better) | 1.7% |
| Shareholder yield | 3.4% | 3.7% (better) |
| Ownership | ||
| Held by institutions | 98.6% | 72.7% |
| Held by insiders | 0.78% | 2.0% |
| Insider net buying, 12 months | −$13.3M | −$976K (better) |
| Short interest, % of float | – | 2.7% |
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.