Assurant, Inc. (AIZ)vsCincinnati Financial Corporation (CINF)
AIZ
Assurant, Inc.
$282.46
+0.53%
FINANCIAL SERVICES · Cap: $13.83B
CINF
Cincinnati Financial Corporation
$169.80
+0.12%
FINANCIAL SERVICES · Cap: $25.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Cincinnati Financial Corporation generates 4% more annual revenue ($13.95B vs $13.46B). CINF leads profitability with a 23.8% profit margin vs 7.9%. AIZ appears more attractively valued with a PEG of 2.16. CINF earns a higher WallStSmart Score of 87/100 (A).
AIZ
Buy65
out of 100
Grade: C+
CINF
Exceptional Buy87
out of 100
Grade: A
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 30.5% YoY
Attractively priced relative to earnings
Strong operational efficiency at 37.2%
Revenue surging 31.6% year-over-year
Earnings expanding 85.5% YoY
Conservative balance sheet, low leverage
Keeps 24 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
7.9% margin — thin
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : AIZ
The strongest argument for AIZ centers on P/E Ratio, Price/Book, EPS Growth.
Bull Case : CINF
The strongest argument for CINF centers on P/E Ratio, Operating Margin, Revenue Growth. Profitability is solid with margins at 23.8% and operating margin at 37.2%. Revenue growth of 31.6% 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, Piotroski F-Score.
Key Dynamics to Monitor
AIZ profiles as a value stock while CINF is a growth play — different risk/reward profiles.
CINF carries more volatility with a beta of 0.55 — expect wider price swings.
CINF is growing revenue faster at 31.6% — sustainability is the question.
CINF generates stronger free cash flow (698M), providing more financial flexibility.
Bottom Line
CINF scores higher overall (87/100 vs 65/100), backed by strong 23.8% margins and 31.6% revenue growth. Both earn "Exceptional Buy" and "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.
Visit Website →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.
Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
Want to dig deeper into these stocks?