Cincinnati Financial Corporation (CINF)vsHartford Financial Services Group (HIG)
CINF
Cincinnati Financial Corporation
$169.80
+0.12%
FINANCIAL SERVICES · Cap: $25.96B
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 110% more annual revenue ($29.32B vs $13.95B). CINF leads profitability with a 23.8% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. CINF earns a higher WallStSmart Score of 87/100 (A).
CINF
Exceptional Buy87
out of 100
Grade: A
HIG
Strong Buy79
out of 100
Grade: B+
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
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 36.1% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Weak financial health signals
Distress zone — elevated risk
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 : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score, Piotroski F-Score.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
CINF profiles as a growth stock while HIG is a value play — different risk/reward profiles.
CINF carries more volatility with a beta of 0.55 — expect wider price swings.
CINF is growing revenue faster at 31.6% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
CINF scores higher overall (87/100 vs 79/100), backed by strong 23.8% margins and 31.6% revenue growth. Both earn "Exceptional 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.
Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
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