Cincinnati Financial Corporation (CINF)vsOld Republic International Corp (ORI)
CINF
Cincinnati Financial Corporation
$155.45
-1.78%
FINANCIAL SERVICES · Cap: $24.64B
ORI
Old Republic International Corp
$39.36
+0.41%
FINANCIAL SERVICES · Cap: $9.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Cincinnati Financial Corporation generates 38% more annual revenue ($12.63B vs $9.14B). CINF leads profitability with a 19.0% profit margin vs 10.2%. ORI appears more attractively valued with a PEG of 1.39. CINF earns a higher WallStSmart Score of 79/100 (B+).
CINF
Strong Buy79
out of 100
Grade: B+
ORI
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
+75.8%
Fair Value
$175.03
Current Price
$39.36
$135.67 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
Earnings expanding 95.7% YoY
Reasonable price relative to book value
19.3% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
No major concerns identified
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 : ORI
The strongest argument for ORI centers on P/E Ratio, EPS Growth, Price/Book. Revenue growth of 19.3% demonstrates continued momentum. PEG of 1.39 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 : ORI
No major red flags identified for ORI, but monitor valuation.
Key Dynamics to Monitor
ORI carries more volatility with a beta of 0.75 — 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.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CINF scores higher overall (79/100 vs 74/100), backed by strong 19.0% margins and 21.8% revenue growth. ORI offers better value entry with a 75.8% 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.
Old Republic International Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.
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