Cincinnati Financial Corporation (CINF)vsHorace Mann Educators Corporation (HMN)
CINF
Cincinnati Financial Corporation
$190.31
+0.28%
FINANCIAL SERVICES · Cap: $29.15B
HMN
Horace Mann Educators Corporation
$52.78
-1.11%
FINANCIAL SERVICES · Cap: $2.16B
Smart Verdict
WallStSmart Research — data-driven comparison
Cincinnati Financial Corporation generates 660% more annual revenue ($13.28B vs $1.75B). CINF leads profitability with a 20.1% profit margin vs 10.2%. HMN appears more attractively valued with a PEG of 1.16. HMN earns a higher WallStSmart Score of 60/100 (C).
CINF
Buy59
out of 100
Grade: C
HMN
Buy60
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Conservative balance sheet, low leverage
Keeps 20 of every $100 in revenue as profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Weak financial health signals
Revenue declined 18.2%
0.2% revenue growth
0.7% earnings growth
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : CINF
The strongest argument for CINF centers on P/E Ratio, Debt/Equity, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 18.5%.
Bull Case : HMN
The strongest argument for HMN centers on P/E Ratio, Price/Book. PEG of 1.16 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 : HMN
The primary concerns for HMN are Revenue Growth, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
CINF profiles as a declining stock while HMN is a value play — different risk/reward profiles.
CINF carries more volatility with a beta of 0.48 — expect wider price swings.
HMN is growing revenue faster at 0.2% — sustainability is the question.
CINF generates stronger free cash flow (698M), providing more financial flexibility.
Bottom Line
HMN scores higher overall (60/100 vs 59/100). Both earn "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.
Horace Mann Educators Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Horace Mann Educators Corporation, is a multi-line insurance company in the United States. The company is headquartered in Springfield, Illinois.
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