Cincinnati Financial Corporation (CINF)vsJohnson & Johnson (JNJ)
CINF
Cincinnati Financial Corporation
$155.45
-1.78%
FINANCIAL SERVICES · Cap: $24.64B
JNJ
Johnson & Johnson
$239.93
-0.29%
HEALTHCARE · Cap: $578.21B
Smart Verdict
WallStSmart Research — data-driven comparison
Johnson & Johnson generates 646% more annual revenue ($94.19B vs $12.63B). JNJ leads profitability with a 28.5% profit margin vs 19.0%. JNJ appears more attractively valued with a PEG of 1.65. CINF earns a higher WallStSmart Score of 79/100 (B+).
CINF
Strong Buy79
out of 100
Grade: B+
JNJ
Strong Buy71
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
+53.7%
Fair Value
$516.67
Current Price
$239.93
$276.74 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
Mega-cap, among the largest globally
Every $100 of equity generates 35 in profit
Keeps 29 of every $100 in revenue as profit
Strong operational efficiency at 24.0%
Earnings expanding 48.6% YoY
Generating 5.5B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
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 : JNJ
The strongest argument for JNJ centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 28.5% and operating margin at 24.0%.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score.
Bear Case : JNJ
The primary concerns for JNJ are PEG Ratio.
Key Dynamics to Monitor
CINF profiles as a growth stock while JNJ is a mature 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.
JNJ generates stronger free cash flow (5.5B), providing more financial flexibility.
Bottom Line
CINF scores higher overall (79/100 vs 71/100), backed by strong 19.0% margins and 21.8% revenue growth. JNJ offers better value entry with a 53.7% 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.
Johnson & Johnson
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Johnson & Johnson (J&J) is an American multinational corporation founded in 1886 that develops medical devices, pharmaceuticals, and consumer packaged goods. Its common stock is a component of the Dow Jones Industrial Average and the company is ranked No. 36 on the 2021 Fortune 500 list of the largest United States corporations by total revenue. Johnson & Johnson is one of the world's most valuable companies, and is one of only two U.S.-based companies that has a prime credit rating of AAA, higher than that of the United States government.
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