Cincinnati Financial Corporation (CINF)vsHeritage Insurance Hldgs Inc (HRTG)
CINF
Cincinnati Financial Corporation
$155.45
-1.78%
FINANCIAL SERVICES · Cap: $24.64B
HRTG
Heritage Insurance Hldgs Inc
$26.41
-0.90%
FINANCIAL SERVICES · Cap: $792.88M
Smart Verdict
WallStSmart Research — data-driven comparison
Cincinnati Financial Corporation generates 1391% more annual revenue ($12.63B vs $847.33M). HRTG leads profitability with a 23.1% profit margin vs 19.0%. HRTG trades at a lower P/E of 4.1x. CINF earns a higher WallStSmart Score of 79/100 (B+).
CINF
Strong Buy79
out of 100
Grade: B+
HRTG
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.0%
Fair Value
$709.49
Current Price
$155.45
$554.04 discount
Margin of Safety
+91.4%
Fair Value
$295.78
Current Price
$26.41
$269.37 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Every $100 of equity generates 49 in profit
Strong operational efficiency at 41.6%
Keeps 23 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
2.4% revenue growth
2.3% earnings growth
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : HRTG
The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 23.1% and operating margin at 41.6%.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, EPS Growth, Market Cap.
Key Dynamics to Monitor
CINF profiles as a growth stock while HRTG is a value play — different risk/reward profiles.
HRTG carries more volatility with a beta of 0.93 — 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 74/100), backed by strong 19.0% margins and 21.8% revenue growth. HRTG offers better value entry with a 91.4% 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.
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.
Heritage Insurance Hldgs Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, Florida.
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