Cincinnati Financial Corporation (CINF)vsStewart Information Services Corp (STC)
CINF
Cincinnati Financial Corporation
$172.47
-0.43%
FINANCIAL SERVICES · Cap: $27.27B
STC
Stewart Information Services Corp
$65.60
+0.18%
FINANCIAL SERVICES · Cap: $2.06B
Smart Verdict
WallStSmart Research — data-driven comparison
Cincinnati Financial Corporation generates 326% more annual revenue ($13.95B vs $3.27B). CINF leads profitability with a 23.8% profit margin vs 4.1%. CINF appears more attractively valued with a PEG of 2.19. CINF earns a higher WallStSmart Score of 87/100 (A).
CINF
Exceptional Buy87
out of 100
Grade: A
STC
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Strong operational efficiency at 37.2%
Revenue surging 31.6% year-over-year
Earnings expanding 85.5% YoY
Conservative balance sheet, low leverage
Keeps 24 of every $100 in revenue as profit
Reasonable price relative to book value
Attractively priced relative to earnings
Revenue surging 24.5% year-over-year
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Weak financial health signals
ROE of 7.9% — below average capital efficiency
4.1% margin — thin
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : CINF
The strongest argument for CINF centers on P/E Ratio, Operating Margin, Revenue Growth. Profitability is solid with margins at 23.8% and operating margin at 37.2%. Revenue growth of 31.6% demonstrates continued momentum.
Bull Case : STC
The strongest argument for STC centers on Price/Book, P/E Ratio, Revenue Growth. Revenue growth of 24.5% demonstrates continued momentum.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score, Piotroski F-Score.
Bear Case : STC
The primary concerns for STC are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.1% margins leave little buffer for downturns.
Key Dynamics to Monitor
STC carries more volatility with a beta of 0.99 — expect wider price swings.
CINF is growing revenue faster at 31.6% — sustainability is the question.
CINF generates stronger free cash flow (698M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CINF scores higher overall (87/100 vs 56/100), backed by strong 23.8% margins and 31.6% revenue growth. Both earn "Exceptional 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.
Stewart Information Services Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Stewart Information Services Corporation offers title insurance and real estate transaction services. The company is headquartered in Houston, Texas.
Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
Want to dig deeper into these stocks?