Assurant, Inc. (AIZ)vsCincinnati Financial Corporation (CINF)
AIZ
Assurant, Inc.
$257.35
+2.26%
FINANCIAL SERVICES · Cap: $12.93B
CINF
Cincinnati Financial Corporation
$165.29
+2.88%
FINANCIAL SERVICES · Cap: $26.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Assurant, Inc. generates 2% more annual revenue ($13.16B vs $12.93B). CINF leads profitability with a 21.3% profit margin vs 7.6%. AIZ appears more attractively valued with a PEG of 2.16. CINF earns a higher WallStSmart Score of 73/100 (B).
AIZ
Strong Buy69
out of 100
Grade: B-
CINF
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 91.2% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Earnings expanding 67.3% YoY
Conservative balance sheet, low leverage
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
7.6% margin — thin
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AIZ
The strongest argument for AIZ centers on EPS Growth, P/E Ratio, Price/Book. Revenue growth of 11.3% demonstrates continued momentum.
Bull Case : CINF
The strongest argument for CINF centers on P/E Ratio, EPS Growth, Debt/Equity. Profitability is solid with margins at 21.3% and operating margin at 11.8%. Revenue growth of 11.6% demonstrates continued momentum.
Bear Case : AIZ
The primary concerns for AIZ are PEG Ratio, Profit Margin, Altman Z-Score.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AIZ profiles as a value stock while CINF is a mature play — different risk/reward profiles.
CINF carries more volatility with a beta of 0.58 — expect wider price swings.
CINF is growing revenue faster at 11.6% — sustainability is the question.
CINF generates stronger free cash flow (654M), providing more financial flexibility.
Bottom Line
CINF scores higher overall (73/100 vs 69/100), backed by strong 21.3% margins and 11.6% revenue growth. 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.
Assurant, Inc.
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Assurant, Inc. is a global provider of risk management products and services with headquarters in New York City.
Visit Website →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.
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