Cincinnati Financial Corporation (CINF)vsOld Republic International Corp (ORI)
CINF
Cincinnati Financial Corporation
$165.29
+2.88%
FINANCIAL SERVICES · Cap: $26.14B
ORI
Old Republic International Corp
$38.16
+2.61%
FINANCIAL SERVICES · Cap: $9.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Cincinnati Financial Corporation generates 37% more annual revenue ($12.93B vs $9.42B). CINF leads profitability with a 21.3% profit margin vs 10.8%. ORI appears more attractively valued with a PEG of 1.39. ORI earns a higher WallStSmart Score of 78/100 (B+).
CINF
Strong Buy73
out of 100
Grade: B
ORI
Strong Buy78
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 34.7% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : ORI
The strongest argument for ORI centers on P/E Ratio, Debt/Equity, Price/Book. Revenue growth of 13.5% demonstrates continued momentum. PEG of 1.39 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 : ORI
No major red flags identified for ORI, but monitor valuation.
Key Dynamics to Monitor
CINF profiles as a mature stock while ORI is a value play — different risk/reward profiles.
ORI carries more volatility with a beta of 0.65 — expect wider price swings.
ORI is growing revenue faster at 13.5% — sustainability is the question.
CINF generates stronger free cash flow (654M), providing more financial flexibility.
Bottom Line
ORI scores higher overall (78/100 vs 73/100) and 13.5% 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.
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.
Old Republic International Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.
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