AFG vs. CINF: American Financial vs. Cincinnati Financial Stock Comparison

Company Profile

American Financial (AFG) and Cincinnati Financial (CINF) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both American Financial (AFG) at 21.57% and Cincinnati Financial (CINF) at 16.87% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Cincinnati Financial (CINF) at 20.07% retains a top-quartile share of revenue as profit, ahead of American Financial (AFG) at 12.28%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for American Financial (AFG) in Insurance and Cincinnati Financial (CINF) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Cincinnati Financial (CINF) at 11.41% is around its peer norm for revenue growth, while American Financial (AFG) at -1.93% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both American Financial (AFG) at -4.57% and Cincinnati Financial (CINF) at 4.40% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: American Financial (AFG) in Insurance and Cincinnati Financial (CINF) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: American Financial (AFG) in Insurance and Cincinnati Financial (CINF) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

American Financial (AFG) at 2.31% delivers top-quartile income for its industry, while Cincinnati Financial (CINF) at 1.96% pays a more typical yield — both are credible income propositions, AFG the richer one.

Both American Financial (AFG) at 28.71% and Cincinnati Financial (CINF) at 21.65% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both American Financial (AFG) at 12.61 and Cincinnati Financial (CINF) at 10.88 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

On P/S ratio, both American Financial (AFG) at 1.54 and Cincinnati Financial (CINF) at 2.14 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

On P/B ratio, both American Financial (AFG) at 2.71 and Cincinnati Financial (CINF) at 1.76 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics