Cincinnati Financial Corporation (CINF)vsMercury General Corporation (MCY)
CINF
Cincinnati Financial Corporation
$169.80
+0.12%
FINANCIAL SERVICES · Cap: $25.96B
MCY
Mercury General Corporation
$102.34
-0.26%
FINANCIAL SERVICES · Cap: $5.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Cincinnati Financial Corporation generates 120% more annual revenue ($13.95B vs $6.34B). CINF leads profitability with a 23.8% profit margin vs 14.8%. MCY appears more attractively valued with a PEG of 1.12. CINF earns a higher WallStSmart Score of 87/100 (A).
CINF
Exceptional Buy87
out of 100
Grade: A
MCY
Strong Buy76
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
Attractively priced relative to earnings
Every $100 of equity generates 32 in profit
Earnings expanding 58.3% YoY
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Weak financial health signals
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 : MCY
The strongest argument for MCY centers on P/E Ratio, Return on Equity, EPS Growth. Revenue growth of 13.8% demonstrates continued momentum. PEG of 1.12 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 : MCY
The primary concerns for MCY are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
CINF profiles as a growth stock while MCY is a value play — different risk/reward profiles.
MCY carries more volatility with a beta of 0.92 — 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.
Bottom Line
CINF scores higher overall (87/100 vs 76/100), 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.
Mercury General Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Mercury General Corporation engages in underwriting personal auto insurance in the United States. The company is headquartered in Los Angeles, California.
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