Cincinnati Financial Corporation (CINF)vsMercury General Corporation (MCY)
CINF
Cincinnati Financial Corporation
$155.45
-1.78%
FINANCIAL SERVICES · Cap: $24.64B
MCY
Mercury General Corporation
$88.41
-0.21%
FINANCIAL SERVICES · Cap: $4.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Cincinnati Financial Corporation generates 111% more annual revenue ($12.63B vs $5.99B). CINF leads profitability with a 19.0% profit margin vs 9.0%. MCY appears more attractively valued with a PEG of 1.12. CINF earns a higher WallStSmart Score of 79/100 (B+).
CINF
Strong Buy79
out of 100
Grade: B+
MCY
Strong Buy75
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.0%
Fair Value
$709.49
Current Price
$155.45
$554.04 discount
Margin of Safety
+79.5%
Fair Value
$456.30
Current Price
$88.41
$367.89 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 67.3% YoY
Reasonable price relative to book value
Strong operational efficiency at 27.6%
Revenue surging 21.8% year-over-year
Attractively priced relative to earnings
Earnings expanding 100.9% YoY
Every $100 of equity generates 25 in profit
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Distress zone — elevated risk
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : CINF
The strongest argument for CINF centers on P/E Ratio, EPS Growth, Price/Book. Profitability is solid with margins at 19.0% and operating margin at 27.6%. Revenue growth of 21.8% demonstrates continued momentum.
Bull Case : MCY
The strongest argument for MCY centers on P/E Ratio, EPS Growth, Return on Equity. Revenue growth of 14.1% 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.
Bear Case : MCY
The primary concerns for MCY are Altman Z-Score, Piotroski F-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 0.94 — expect wider price swings.
CINF is growing revenue faster at 21.8% — sustainability is the question.
CINF generates stronger free cash flow (937M), providing more financial flexibility.
Bottom Line
CINF scores higher overall (79/100 vs 75/100), backed by strong 19.0% margins and 21.8% revenue growth. MCY offers better value entry with a 79.5% margin of safety. 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.
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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