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 ($36.8B against $29.1B).
On earnings, Hartford Insurance is cheaper: it trades at 8.3× trailing earnings, against 11.1× for Cincinnati Financial.
Cincinnati Financial grew revenue faster over the last twelve months (9.9% versus 9.2% for Hartford Insurance).
Cincinnati Financial keeps more of each dollar of sales as profit, with a net margin of 20.1% compared with 15.4% at Hartford Insurance.
Both pay dividends: Cincinnati Financial yields 1.9% and Hartford Insurance 1.7%.
Hartford Insurance scores higher on the StockData Score (16 against 14 for Cincinnati 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 | CINF | HIG |
|---|---|---|
| Size and price | ||
| Market cap | $29.1B | $36.8B |
| Share price | $189.65 | $137.48 |
| Change, 1 year | 13.6% | 3.6% |
| Change, 5 years | 59.6% | 97.3% |
| Beta (5Y) | 0.55 | 0.54 |
| Employees | 5,705 | 19K |
| StockData Score | ||
| Total score | 14 | 16 (better) |
| Valuation score | 0 | 4 (better) |
| Growth score | 3 | 3 |
| Performance score | 5 | 6 (better) |
| Health score | 3 (better) | 0 |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 11.1× | 8.3× (better) |
| P/S | 2.2× | 1.2× (better) |
| P/B | 1.8× (better) | 1.9× |
| EV/EBITDA | – | 6.0× |
| P/FCF | 9.5× | – |
| PEG | – | 0.24 |
| FCF yield | 10.6% | – |
| Fair value | $172.99 | $154.27 |
| Margin of safety | −9.6% | 10.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 9.9% (better) | 9.2% |
| Revenue growth, 5Y average | 10.9% (better) | 6.7% |
| Net income growth (TTM) | 25.5% | 29.5% (better) |
| EPS growth (TTM) | 26.9% | 35.0% (better) |
| EPS growth, 5Y average | 15.2% | 22.9% (better) |
| Profitability | ||
| Net margin | 20.1% (better) | 15.4% |
| FCF margin | 23.2% | – |
| Return on equity | 16.9% | 24.7% (better) |
| Financial health | ||
| Debt / equity | 0.05 | – |
| Altman Z-score | 1.57 (better) | 1.11 |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.9% (better) | 1.7% |
| Payout ratio | 20.7% | 13.9% |
| Years of dividend growth | 7 | 13 (better) |
| Dividend growth, 5Y average | 7.7% | 10.7% (better) |
| Buyback yield | 1.7% | 4.9% (better) |
| Shareholder yield | 3.7% | 6.6% (better) |
| Ownership | ||
| Held by institutions | 72.7% | 94.6% |
| Held by insiders | 2.0% | 0.35% |
| Insider net buying, 12 months | −$976K (better) | −$59.8M |
| Short interest, % of float | 2.7% | 2.2% |
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.