Cincinnati Financial Corporation (CINF)vsHCA Holdings Inc (HCA)
CINF
Cincinnati Financial Corporation
$161.50
-0.34%
FINANCIAL SERVICES · Cap: $25.07B
HCA
HCA Holdings Inc
$435.19
+1.44%
HEALTHCARE · Cap: $95.17B
Smart Verdict
WallStSmart Research — data-driven comparison
HCA Holdings Inc generates 491% more annual revenue ($76.39B vs $12.93B). CINF leads profitability with a 21.3% profit margin vs 8.9%. HCA appears more attractively valued with a PEG of 1.29. CINF earns a higher WallStSmart Score of 75/100 (B+).
CINF
Strong Buy75
out of 100
Grade: B+
HCA
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CINF.
Margin of Safety
-4.8%
Fair Value
$507.35
Current Price
$435.19
$72.16 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 67.3% YoY
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Every $100 of equity generates 136 in profit
Conservative balance sheet, low leverage
Large-cap with strong market position
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
4.3% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CINF
The strongest argument for CINF centers on P/E Ratio, EPS Growth, Profit Margin. Profitability is solid with margins at 21.3% and operating margin at 11.8%. Revenue growth of 11.6% demonstrates continued momentum.
Bull Case : HCA
The strongest argument for HCA centers on Return on Equity, Debt/Equity, Market Cap. PEG of 1.29 suggests the stock is reasonably priced for its growth.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score.
Bear Case : HCA
The primary concerns for HCA are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
CINF profiles as a mature stock while HCA is a value play — different risk/reward profiles.
HCA carries more volatility with a beta of 1.19 — expect wider price swings.
CINF is growing revenue faster at 11.6% — sustainability is the question.
HCA generates stronger free cash flow (895M), providing more financial flexibility.
Bottom Line
CINF scores higher overall (75/100 vs 63/100), backed by strong 21.3% margins and 11.6% revenue growth. Both earn "Strong 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.
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.
HCA Holdings Inc
HEALTHCARE · MEDICAL CARE FACILITIES · USA
HCA Healthcare is an American for-profit operator of health care facilities that was founded in 1968. It is based in Nashville, Tennessee, and, as of May 2020, owns and operates 186 hospitals and approximately 2,000 sites of care, including surgery centers, freestanding emergency rooms, urgent care centers and physician clinics in 21 states and the United Kingdom.
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