ALL vs. CINF: Allstate vs. Cincinnati Financial Stock Comparison

November 11, 2026

How do Allstate (ALL) and Cincinnati Financial (CINF) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Allstate (ALL) 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.

Company profile comparison for Allstate (ALL) and Cincinnati Financial (CINF)
Profile Item	ALL	CINF
Name	The Allstate Corporation	Cincinnati Financial Corporation
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Insurance	Insurance
GICS Industry	Insurance	Insurance
GICS Sub-Industry	Property & Casualty Insurance	Property & Casualty Insurance
Market Capitalization	63.05 billion USD	28.47 billion USD
Currency	USD	USD
Exchange	NYSE	Nasdaq
Listing Date	June 3, 1993	March 17, 1980
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

ALL

CINF

GSPC

Allstate (ALL) vs. Cincinnati Financial (CINF), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Allstate (ALL) and Cincinnati Financial (CINF). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Allstate (ALL) and Cincinnati Financial (CINF). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Allstate (ALL) and Cincinnati Financial (CINF)
Metric	ALL	CINF
Total Return (1Y)	27.36%	15.64%
Total Return (3Y, Annualized)	27.71%	26.43%
Total Return (5Y, Annualized)	19.82%	11.17%

Risk Profile

Drawdown History

ALL

CINF

GSPC

Allstate (ALL) vs. Cincinnati Financial (CINF), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Allstate (ALL) and Cincinnati Financial (CINF). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Allstate (ALL) and Cincinnati Financial (CINF)
Metric	ALL	CINF
Volatility (1Y, Annualized)	25.96%	20.57%
Beta (5Y)	0.13	0.46
Max Drawdown (5Y)	-27.35%	-35.77%
Avg. Volume (3M)	1.91M	610.21K

Risk-Adjusted Performance

Risk-Return Positioning

ALL and CINF are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Allstate (ALL) and Cincinnati Financial (CINF)
Metric	ALL	CINF
Sharpe Ratio (1Y)	0.89	0.55
Sortino Ratio (1Y)	1.28	0.80

Profitability

ROE (TTM)

Allstate (ALL) at 38.93% sits in the top ROE quartile, while Cincinnati Financial (CINF) at 16.87% is closer to the peer norm — stronger capital efficiency for ALL.

ALL

Insurance industry group

38.93%

Max: 41.68%
ALL: 38.93%
Q3: 22.04%
Median: 14.81%
Q1: 8.79%
Min: -10.66%

CINF

Insurance industry group

16.87%

Max: 41.68%
Q3: 22.04%
CINF: 16.87%
Median: 14.81%
Q1: 8.79%
Min: -10.66%

Allstate (ALL) vs. Cincinnati Financial (CINF): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Cincinnati Financial (CINF) at 20.07% retains a top-quartile share of revenue as profit, ahead of Allstate (ALL) at 16.57%, which keeps about the industry-typical share.

ALL

Insurance industry group

16.57%

Max: 29.92%
Q3: 17.03%
ALL: 16.57%
Median: 10.97%
Q1: 6.21%
Min: -4.68%

CINF

Insurance industry group

20.07%

Max: 29.92%
CINF: 20.07%
Q3: 17.03%
Median: 10.97%
Q1: 6.21%
Min: -4.68%

Allstate (ALL) vs. Cincinnati Financial (CINF): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Allstate (ALL) 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

Profitability metrics for Allstate (ALL) and Cincinnati Financial (CINF)
Metric	ALL	CINF
ROE (TTM)	38.93%	16.87%
ROA (TTM)	7.68%	5.03%
Net Margin (TTM)	16.57%	20.07%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both Allstate (ALL) at 5.60% and Cincinnati Financial (CINF) at 11.41% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Allstate (ALL) vs. Cincinnati Financial (CINF): A comparison of their Revenue Growth across different time periods.

EPS Growth

Allstate (ALL) at 124.01% sits in the top EPS growth quartile, while Cincinnati Financial (CINF) at 4.40% is closer to the peer norm — faster per-share earnings growth for ALL.

Allstate (ALL) vs. Cincinnati Financial (CINF): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Allstate (ALL) and Cincinnati Financial (CINF)
Metric	ALL	CINF
Revenue Growth (YoY)	5.60%	11.41%
Revenue Growth (3Y CAGR)	9.84%	24.39%
EPS Growth (YoY)	124.01%	4.40%
EPS Growth (3Y CAGR)	--	--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Allstate (ALL) 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 / Equity (MRQ)

debt-to-equity ratio is set aside for both: Allstate (ALL) 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

Financial strength metrics for Allstate (ALL) and Cincinnati Financial (CINF)
Metric	ALL	CINF
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Both Allstate (ALL) at 1.59% and Cincinnati Financial (CINF) at 1.96% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

ALL

Insurance industry group

1.59%

Max: 5.12%
Q3: 2.15%
ALL: 1.59%
Median: 0.98%
Q1: 0.00%
Min: 0.00%

CINF

Insurance industry group

1.96%

Max: 5.12%
Q3: 2.15%
CINF: 1.96%
Median: 0.98%
Q1: 0.00%
Min: 0.00%

Allstate (ALL) vs. Cincinnati Financial (CINF): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Allstate (ALL) at 9.62% 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.

ALL

Insurance industry group

9.62%

Max: 76.67%
Q3: 35.18%
Median: 14.74%
ALL: 9.62%
Q1: 0.00%
Min: 0.00%

CINF

Insurance industry group

21.65%

Max: 76.67%
Q3: 35.18%
CINF: 21.65%
Median: 14.74%
Q1: 0.00%
Min: 0.00%

Allstate (ALL) vs. Cincinnati Financial (CINF): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Allstate (ALL) and Cincinnati Financial (CINF)
Metric	ALL	CINF
Dividend Yield (TTM)	1.59%	1.96%
Dividend Payout Ratio (TTM)	9.62%	21.65%

Valuation

P/E Ratio (TTM)

Allstate (ALL) at 5.78 sits in the cheaper P/E ratio quartile, while Cincinnati Financial (CINF) at 10.88 is closer to its industry’s usual earnings multiple — a discount for ALL, though growth and earnings durability still matter.

ALL

Insurance industry group

5.78

Max: 28.37
Q3: 18.75
Median: 12.23
Q1: 9.08
ALL: 5.78
Min: 2.32

CINF

Insurance industry group

10.88

Max: 28.37
Q3: 18.75
Median: 12.23
CINF: 10.88
Q1: 9.08
Min: 2.32

Allstate (ALL) vs. Cincinnati Financial (CINF): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Allstate (ALL) at 0.90 and Cincinnati Financial (CINF) at 2.14 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

ALL

Insurance industry group

0.90

Max: 4.03
Q3: 2.25
Median: 1.23
ALL: 0.90
Q1: 0.85
Min: 0.07

CINF

Insurance industry group

2.14

Max: 4.03
Q3: 2.25
CINF: 2.14
Median: 1.23
Q1: 0.85
Min: 0.07

Allstate (ALL) vs. Cincinnati Financial (CINF): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Allstate (ALL) at 2.09 and Cincinnati Financial (CINF) at 1.76 are valued close to their industries’ norm against book — neither stands out from peers.

ALL

Insurance industry group

2.09

Max: 5.07
Q3: 2.79
ALL: 2.09
Median: 1.76
Q1: 1.23
Min: 0.30

CINF

Insurance industry group

1.76

Max: 5.07
Q3: 2.79
CINF: 1.76
Median: 1.76
Q1: 1.23
Min: 0.30

Allstate (ALL) vs. Cincinnati Financial (CINF): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Allstate (ALL) and Cincinnati Financial (CINF)
Metric	ALL	CINF
P/E Ratio (TTM)	5.78	10.88
P/S Ratio (TTM)	0.90	2.14
P/B Ratio (MRQ)	2.09	1.76
Free Cash Flow Yield (TTM)	--	--