Cincinnati Financial Corporation (CINF)vsProgressive Corp (PGR)
CINF
Cincinnati Financial Corporation
$158.43
+0.36%
FINANCIAL SERVICES · Cap: $24.72B
PGR
Progressive Corp
$206.00
+1.64%
FINANCIAL SERVICES · Cap: $120.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 594% more annual revenue ($87.64B vs $12.63B). CINF leads profitability with a 19.0% profit margin vs 12.9%. CINF appears more attractively valued with a PEG of 2.19. CINF earns a higher WallStSmart Score of 79/100 (B+).
CINF
Strong Buy79
out of 100
Grade: B+
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.0%
Fair Value
$710.42
Current Price
$158.43
$551.99 discount
Margin of Safety
+77.2%
Fair Value
$914.94
Current Price
$206.00
$708.94 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
Every $100 of equity generates 41 in profit
Large-cap with strong market position
Earnings expanding 25.2% YoY
Generating 3.0B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
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 : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Key Dynamics to Monitor
CINF profiles as a growth stock while PGR is a value play — different risk/reward profiles.
CINF carries more volatility with a beta of 0.64 — expect wider price swings.
CINF is growing revenue faster at 21.8% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
CINF scores higher overall (79/100 vs 67/100), backed by strong 19.0% margins and 21.8% revenue growth. PGR offers better value entry with a 77.2% 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.
Progressive Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.
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