AIG vs. CINF: American International vs. Cincinnati Financial Stock Comparison

Company Profile

American International (AIG) and Cincinnati Financial (CINF) both belong to the Insurance industry, though AIG is classified under Multi-line Insurance while CINF falls under Property & Casualty Insurance.

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

Cincinnati Financial (CINF) at 16.87% is around its peer norm for ROE, while American International (AIG) at 8.23% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Cincinnati Financial (CINF) at 20.07% retains a top-quartile share of revenue as profit, ahead of American International (AIG) at 11.84%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for American International (AIG) 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 International (AIG) at -1.82% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Only one side can be read here: Cincinnati Financial (CINF) reports EPS growth of 4.40%, ranked against its industry; American International (AIG) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: American International (AIG) 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 International (AIG) 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 International (AIG) at 2.35% delivers top-quartile income for its industry, while Cincinnati Financial (CINF) at 1.96% pays a more typical yield — both are credible income propositions, AIG the richer one.

Both American International (AIG) at 31.00% 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 International (AIG) at 12.68 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 International (AIG) at 1.45 and Cincinnati Financial (CINF) at 2.14 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

American International (AIG) at 1.04 sits in the lower P/B ratio quartile against book while Cincinnati Financial (CINF) at 1.76 is valued near its industry’s middle — AIG is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics