Cincinnati Financial Corporation (CINF)vsAltria Group (MO)
CINF
Cincinnati Financial Corporation
$161.50
-0.34%
FINANCIAL SERVICES · Cap: $25.07B
MO
Altria Group
$68.12
-1.33%
CONSUMER DEFENSIVE · Cap: $115.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Altria Group generates 58% more annual revenue ($20.38B vs $12.93B). MO leads profitability with a 39.5% profit margin vs 21.3%. MO appears more attractively valued with a PEG of 1.86. CINF earns a higher WallStSmart Score of 75/100 (B+).
CINF
Strong Buy75
out of 100
Grade: B+
MO
Buy61
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CINF.
Margin of Safety
-37.3%
Fair Value
$48.02
Current Price
$68.12
$20.10 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
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 62.3%
Earnings expanding 106.3% YoY
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
Expensive relative to growth rate
ROE of 0.0% — below average capital efficiency
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 : MO
The strongest argument for MO centers on Profit Margin, Operating Margin, EPS Growth. Profitability is solid with margins at 39.5% and operating margin at 62.3%.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score.
Bear Case : MO
The primary concerns for MO are PEG Ratio, Return on Equity.
Key Dynamics to Monitor
CINF carries more volatility with a beta of 0.60 — expect wider price swings.
CINF is growing revenue faster at 11.6% — sustainability is the question.
MO generates stronger free cash flow (2.2B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CINF scores higher overall (75/100 vs 61/100), 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.
Altria Group
CONSUMER DEFENSIVE · TOBACCO · USA
Altria Group, Inc. (previously known as Philip Morris Companies, Inc.) is an American corporation and one of the world's largest producers and marketers of tobacco, cigarettes and related products. It operates worldwide and is headquartered in unincorporated Henrico County, Virginia, just outside the city of Richmond.
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