Assurant Inc (AIZ)vsCincinnati Financial Corporation (CINF)
AIZ
Assurant Inc
$217.02
-0.23%
FINANCIAL SERVICES · Cap: $10.87B
CINF
Cincinnati Financial Corporation
$155.45
-1.78%
FINANCIAL SERVICES · Cap: $24.64B
Smart Verdict
WallStSmart Research — data-driven comparison
Assurant Inc generates 1% more annual revenue ($12.81B vs $12.63B). CINF leads profitability with a 19.0% profit margin vs 6.8%. AIZ appears more attractively valued with a PEG of 2.16. CINF earns a higher WallStSmart Score of 79/100 (B+).
AIZ
Strong Buy66
out of 100
Grade: B-
CINF
Strong Buy79
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.8%
Fair Value
$523.84
Current Price
$217.02
$306.82 discount
Margin of Safety
+77.0%
Fair Value
$709.49
Current Price
$155.45
$554.04 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Earnings expanding 67.3% YoY
Reasonable price relative to book value
Strong operational efficiency at 27.6%
Revenue surging 21.8% year-over-year
Areas to Watch
Expensive relative to growth rate
6.8% margin — thin
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AIZ
The strongest argument for AIZ centers on P/E Ratio, Price/Book.
Bull Case : CINF
The strongest argument for CINF centers on P/E Ratio, EPS Growth, Price/Book. Profitability is solid with margins at 19.0% and operating margin at 27.6%. Revenue growth of 21.8% demonstrates continued momentum.
Bear Case : AIZ
The primary concerns for AIZ are PEG Ratio, Profit Margin.
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 growth play — different risk/reward profiles.
CINF carries more volatility with a beta of 0.64 — expect wider price swings.
CINF is growing revenue faster at 21.8% — sustainability is the question.
CINF generates stronger free cash flow (937M), providing more financial flexibility.
Bottom Line
CINF scores higher overall (79/100 vs 66/100), backed by strong 19.0% margins and 21.8% revenue growth. AIZ offers better value entry with a 58.8% margin of safety. 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.
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.
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