Cincinnati Financial Corporation (CINF)vsStewart Information Services Corp (STC)
CINF
Cincinnati Financial Corporation
$155.45
-1.78%
FINANCIAL SERVICES · Cap: $24.64B
STC
Stewart Information Services Corp
$58.62
+0.27%
FINANCIAL SERVICES · Cap: $1.78B
Smart Verdict
WallStSmart Research — data-driven comparison
Cincinnati Financial Corporation generates 332% more annual revenue ($12.63B vs $2.93B). CINF leads profitability with a 19.0% profit margin vs 4.0%. 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+
STC
Buy59
out of 100
Grade: C
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
+62.6%
Fair Value
$189.54
Current Price
$58.62
$130.92 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
Reasonable price relative to book value
Earnings expanding 55.2% YoY
Attractively priced relative to earnings
19.7% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
4.0% margin — thin
Weak financial health signals
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 : STC
The strongest argument for STC centers on Price/Book, EPS Growth, P/E Ratio. Revenue growth of 19.7% demonstrates continued momentum.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score.
Bear Case : STC
The primary concerns for STC are Market Cap, Profit Margin, Piotroski F-Score. Thin 4.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
STC carries more volatility with a beta of 1.00 — 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.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CINF scores higher overall (79/100 vs 59/100), backed by strong 19.0% margins and 21.8% revenue growth. STC offers better value entry with a 62.6% margin of safety. Both earn "Strong 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.
Stewart Information Services Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Stewart Information Services Corporation offers title insurance and real estate transaction services. The company is headquartered in Houston, Texas.
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