WallStSmart

Assurant, Inc. (AIZ)vsCincinnati Financial Corporation (CINF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Assurant, Inc. generates 2% more annual revenue ($13.16B vs $12.93B). CINF leads profitability with a 21.3% profit margin vs 7.6%. AIZ appears more attractively valued with a PEG of 2.16. CINF earns a higher WallStSmart Score of 73/100 (B).

AIZ

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 5.5Value: 5.7Quality: 4.5
Piotroski: 5/9Altman Z: 0.41

CINF

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.0Value: 6.3Quality: 6.0
Piotroski: 4/9Altman Z: 1.66

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIZ3 strengths · Avg: 8.7/10
EPS GrowthGrowth
91.2%10/10

Earnings expanding 91.2% YoY

P/E RatioValuation
13.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

CINF5 strengths · Avg: 9.4/10
P/E RatioValuation
9.7x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
67.3%10/10

Earnings expanding 67.3% YoY

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Profit MarginProfitability
21.3%9/10

Keeps 21 of every $100 in revenue as profit

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

AIZ3 concerns · Avg: 3.0/10
PEG RatioValuation
2.164/10

Expensive relative to growth rate

Profit MarginProfitability
7.6%3/10

7.6% margin — thin

Altman Z-ScoreHealth
0.412/10

Distress zone — elevated risk

CINF2 concerns · Avg: 4.0/10
PEG RatioValuation
2.194/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.664/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AIZ

The strongest argument for AIZ centers on EPS Growth, P/E Ratio, Price/Book. Revenue growth of 11.3% demonstrates continued momentum.

Bull Case : CINF

The strongest argument for CINF centers on P/E Ratio, EPS Growth, Debt/Equity. Profitability is solid with margins at 21.3% and operating margin at 11.8%. Revenue growth of 11.6% demonstrates continued momentum.

Bear Case : AIZ

The primary concerns for AIZ are PEG Ratio, Profit Margin, Altman Z-Score.

Bear Case : CINF

The primary concerns for CINF are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

AIZ profiles as a value stock while CINF is a mature play — different risk/reward profiles.

CINF carries more volatility with a beta of 0.58 — expect wider price swings.

CINF is growing revenue faster at 11.6% — sustainability is the question.

CINF generates stronger free cash flow (654M), providing more financial flexibility.

Bottom Line

CINF scores higher overall (73/100 vs 69/100), backed by strong 21.3% margins and 11.6% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Assurant, Inc.

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Assurant, Inc. is a global provider of risk management products and services with headquarters in New York City.

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Cincinnati Financial Corporation

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Cincinnati Financial Corporation offers property and casualty insurance, its main business, through The Cincinnati Insurance Company, The Cincinnati Indemnity Company and The Cincinnati Casualty Company.

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