Cincinnati Financial Corporation (CINF)vsKingstone Companies Inc (KINS)
CINF
Cincinnati Financial Corporation
$155.45
-1.78%
FINANCIAL SERVICES · Cap: $24.64B
KINS
Kingstone Companies Inc
$14.84
+0.68%
FINANCIAL SERVICES · Cap: $213.39M
Smart Verdict
WallStSmart Research — data-driven comparison
Cincinnati Financial Corporation generates 5833% more annual revenue ($12.63B vs $212.90M). KINS leads profitability with a 19.2% profit margin vs 19.0%. CINF appears more attractively valued with a PEG of 2.19. CINF earns a higher WallStSmart Score of 79/100 (B+).
CINF
Strong Buy79
out of 100
Grade: B+
KINS
Strong Buy78
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
+88.1%
Fair Value
$134.78
Current Price
$14.84
$119.94 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 43 in profit
Strong operational efficiency at 32.8%
Revenue surging 34.0% year-over-year
Earnings expanding 149.6% YoY
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : KINS
The strongest argument for KINS centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 19.2% and operating margin at 32.8%. Revenue growth of 34.0% demonstrates continued momentum.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score.
Bear Case : KINS
The primary concerns for KINS are Market Cap, PEG Ratio.
Key Dynamics to Monitor
CINF carries more volatility with a beta of 0.64 — expect wider price swings.
KINS is growing revenue faster at 34.0% — sustainability is the question.
CINF generates stronger free cash flow (937M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CINF scores higher overall (79/100 vs 78/100), backed by strong 19.0% margins and 21.8% revenue growth. KINS offers better value entry with a 88.1% 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.
Kingstone Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to individuals in New York. The company is headquartered in Kingston, New York.
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