Cincinnati Financial Corporation (CINF)vsHartford Financial Services Group (HIG)
CINF
Cincinnati Financial Corporation
$177.73
+2.88%
FINANCIAL SERVICES · Cap: $27.60B
HIG
Hartford Financial Services Group
$133.89
+3.78%
FINANCIAL SERVICES · Cap: $35.50B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 123% more annual revenue ($28.79B vs $12.93B). CINF leads profitability with a 21.3% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
CINF
Strong Buy73
out of 100
Grade: B
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 67.3% YoY
Conservative balance sheet, low leverage
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 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 : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
CINF profiles as a mature stock while HIG is a value 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.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 73/100). 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.
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.
Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
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