LIVE
CINF
Cincinnati Financial Corporation · Financials - Property & Casualty Insurance
$170.20
+1.40% this month
VERSUS
⟷
COMPARE
TRV
The Travelers Companies, Inc. · Financials - Commercial & Personal Lines Insurance
$307.81
+0.75% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
CINF
3
TRV
2
Comparison scoreboard
CINF LEADS 3/5AI Score
CINF ✓51.3
TRV 47.6
1Y Return
CINF ✓+17.16%
TRV +16.41%
Fwd P/E
CINF 18.53
TRV ✓10.78
Target Up.
CINF ✓+6.64%
TRV +1.66%
Op. Margin
CINF 11.84%
TRV ✓18.74%
Metrics last refreshed: 6/22/2026
Quick take
CINF vs TRV Stock Comparison: AI Score, Valuation, Performance and Upside
CINF (Cincinnati Financial) and TRV (Travelers) are both P&C insurance companies with strong commercial lines franchises — Cincinnati Financial as an independent agent-focused regional insurer with a large equity investment portfolio and extraordinary dividend growth history, versus Travelers as a large national commercial and personal lines insurer with market-leading scale in commercial P&C.
CINF vs TRV is independent agent loyalty-driven regional commercial insurer with dividend growth compounding (Cincinnati Financial) versus large national commercial and personal lines insurer with scale advantages and diversified distribution (Travelers) — different approaches to disciplined underwriting with different investment philosophies.
Live analysis · updated 6/22/2026
CINF holds the edge across 3 of 5 key metrics in this comparison. CINF has delivered stronger 1-year price return (+17.16% vs +16.41%), though TRV trades at the lower forward P/E (10.78x vs 18.53x). On fundamentals, CINF is growing revenue faster (11.60%), while TRV maintains the higher operating margin (18.74%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for CINF (+6.64%) than for TRV (+1.66%).
Normalized 1Y performance
CINF
TRV
Recent returns
CINF
TRV
Analyst price targets & sentiment
CINF
Price target range
analyst mean$181.50
current price$170.20
+6.6% upside to analyst mean
TRV · 19 analysts
STRONG BUYHOLDSTRONG SELL
Hold (2.6/5.0)
Price target range
analyst low$225.00
analyst mean$312.91
current price$307.81
+1.7% upside to analyst mean
Who should consider this stock?
CINF may suit investors who:
- →Want the longest-running Dividend Aristocrat in the insurance sector with 60+ consecutive annual dividend increases backed by disciplined underwriting and a long-term equity investment portfolio
- →Value Cincinnati Financial's exclusive independent agent model as creating differentiated access to high-quality, profitable business from trusted agent relationships
- →Accept the fair value volatility from CINF's large equity investment portfolio as a necessary feature of a long-term investment-focused insurance business model
TRV may suit investors who:
- →Want the U.S. commercial insurance market leader with scale advantages in construction, transportation, and small business insurance plus a strong Bond & Specialty segment
- →Value Travelers' diversified distribution and national scale as providing access to commercial insurance opportunities across more markets than regional or specialty-focused competitors
- →See personal insurance rate increases and profitability recovery as a catalyst for improved underwriting results following the industry-wide personal auto profitability challenge
Performance & AI score
| Metric | CINF | TRV |
|---|---|---|
| AI score | 51.3 | 47.6 |
| AI rank | #379 | #601 |
| Latest close | $170.20 | $307.81 |
| 1M return | +1.40% | +0.75% |
| 6M return | +1.85% | +5.68% |
| 1Y return | +17.16% | +16.41% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | CINF | TRV |
|---|---|---|
| 1Y ago | $11.68K (+16.8%) started 2025-06-18 | $11.62K (+16.2%) started 2025-06-18 |
| 5Y ago | $17.71K (+77.1%) started 2021-06-21 | $24.24K (+142.4%) started 2021-06-21 |
| 10Y ago | $40.64K (+306.4%) started 2016-06-20 | $41.26K (+312.6%) started 2016-06-20 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | CINF | TRV |
|---|---|---|
| Market cap | $26.33B | $65.45B |
| Trailing P/E | 9.74 | 9.18 |
| Forward P/E | 18.53 | 10.78 |
| Price/Sales | N/A | 1.32 |
| EV/Revenue | 2.01 | 1.38 |
| Analyst target | $181.50 | $312.91 |
| Target upside | +6.64% | +1.66% |
Growth, profitability & risk
| Metric | CINF | TRV |
|---|---|---|
| Revenue growth | 11.60% | 1.00% |
| Earnings growth | 67.30% | 357.60% |
| EPS growth | +67.30% | +357.60% |
| FCF margin | +21.26% | +27.18% |
| Operating margin | 11.84% | 18.74% |
| Profit margin | 21.33% | 15.54% |
| ROIC proxy | 18.73% | 25.27% |
| Return on equity | 18.73% | 25.27% |
| Dividend yield | 2.21% | 1.62% |
| Beta | 0.58 | 0.49 |
| Debt/equity | 5.63 | 28.98 |
| Current ratio | 1.04 | 0.34 |
| Quick ratio | 0.87 | 0.20 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
CINF max drawdown10.99%
TRV max drawdown8.58%
CINF max wkly drop6.70%
TRV max wkly drop5.72%
5Y risk snapshot
CINF max drawdown35.77%
TRV max drawdown18.90%
CINF max wkly drop16.73%
TRV max wkly drop11.58%
10Y risk snapshot
CINF max drawdown58.12%
TRV max drawdown46.28%
CINF max wkly drop26.67%
TRV max wkly drop27.45%
Performance metrics by period
| Period | Metric | CINF | TRV |
|---|---|---|---|
| 1Y | Growth | +16.82% | +16.20% |
| CAGR | +16.84% | +16.22% | |
| Sharpe ratio | 0.66 | 0.66 | |
| Max drawdown | 10.99% | 8.58% | |
| Max daily drop | 3.74% | 3.62% | |
| Max wkly drop | 6.70% | 5.72% | |
| 5Y | Growth | +60.28% | +123.70% |
| CAGR | +9.91% | +17.50% | |
| Sharpe ratio | 0.32 | 0.65 | |
| Max drawdown | 35.77% | 18.90% | |
| Max daily drop | 13.91% | 7.92% | |
| Max wkly drop | 16.73% | 11.58% | |
| 10Y | Growth | +209.30% | +232.40% |
| CAGR | +11.96% | +12.77% | |
| Sharpe ratio | 0.38 | 0.43 | |
| Max drawdown | 58.12% | 46.28% | |
| Max daily drop | 13.91% | 20.80% | |
| Max wkly drop | 26.67% | 27.45% |
Business comparison
| Category | CINF | TRV |
|---|---|---|
| Company | Cincinnati Financial Corporation | The Travelers Companies, Inc. |
| Sector | Financial Services | Financial Services |
| Industry | N/A | Insurance - Property & Casualty |
| Core business | Cincinnati Financial is a regional commercial and personal lines insurance company that has built a differentiated market position by serving independent insurance agents exclusively — providing superior service to agents and their clients across commercial lines, personal lines, excess and surplus, and life insurance. | Travelers is one of the largest commercial and personal lines property-casualty insurance companies in the U.S. — offering business insurance (commercial property, liability, workers' compensation), bond and specialty, and personal insurance (auto, home) through a diverse distribution network including independent agents, brokers, and direct channels. |
| Investor focus | Investors track Cincinnati Financial's combined ratio, written premium growth, investment portfolio performance (including fair value changes from its large equity investment portfolio), and the company's long-standing commitment to independent agent relationships as a competitive differentiator. | Investors track Travelers' combined ratio by segment (Business Insurance, Bond & Specialty, Personal Insurance), investment income, capital return through buybacks and dividends, and catastrophe loss experience given Travelers' significant property exposure. |
CINF strengths
- →Independent agent-focused model — CINF builds deep, exclusive relationships with carefully selected independent agents who consistently produce high-quality, profitable business, creating mutual loyalty and above-average policy retention
- →Strong investment discipline — Cincinnati Financial maintains a substantial common stock portfolio (primarily dividend-paying equities) that has provided significant long-term investment returns, though this creates fair value volatility in quarterly results
- →Dividend Aristocrat with 60+ consecutive years of annual dividend increases — one of the longest dividend increase streaks of any public company
TRV strengths
- →Scale in commercial insurance — Travelers is the #1 writer of commercial property-casualty insurance in the U.S., with market-leading positions in construction, transportation, and small-business insurance
- →Bond and specialty insurance segment (surety bonds, professional liability) provides differentiated specialty lines revenue with different risk characteristics than property and casualty
- →Strong brand and broad distribution through multiple channels — agents, brokers, and select direct business — provides wide market reach
Risks to watch — CINF
- →Large equity investment portfolio creates meaningful fair value volatility — in equity market downturns, unrealized investment losses can significantly affect reported book value and earnings
- →Regional and mid-market commercial focus means CINF may have less diversification against regional catastrophe events than large national insurers
- →Independent agent channel is CINF's strength but also creates dependency — shifts in agent preferences or consolidation in the independent agency market could affect policy flow to Cincinnati Financial
Risks to watch — TRV
- →Personal auto insurance profitability has been under pressure from rising claims severity — Travelers has needed significant rate increases in personal auto to restore underwriting profitability
- →Catastrophe exposure from property insurance — hurricanes, tornadoes, wildfires, and flooding create significant earnings volatility for Travelers' commercial and personal property insurance lines
- →Competition in commercial insurance from Chubb, Hartford, Liberty Mutual, and others limits pricing power in any specific insurance category
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