AON vs. CINF: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AON and CINF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | AON | CINF |
|---|---|---|
| Company Name | Aon plc | Cincinnati Financial Corporation |
| Country | Ireland | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Insurance |
| Market Capitalization | 80.64 billion USD | 24.03 billion USD |
| Exchange | NYSE | NasdaqGS |
| Listing Date | June 2, 1980 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of AON and CINF by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | AON | CINF |
|---|---|---|
| 5-Day Price Return | 0.52% | -0.32% |
| 13-Week Price Return | 3.02% | 1.79% |
| 26-Week Price Return | -3.59% | 12.00% |
| 52-Week Price Return | 12.29% | 17.00% |
| Month-to-Date Return | 4.82% | 4.16% |
| Year-to-Date Return | 3.81% | 6.92% |
| 10-Day Avg. Volume | 1.44M | 0.50M |
| 3-Month Avg. Volume | 1.42M | 0.58M |
| 3-Month Volatility | 21.92% | 21.48% |
| Beta | 0.91 | 0.74 |
Profitability
Return on Equity (TTM)
AON
38.26%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
AON’s Return on Equity of 38.26% is exceptionally high, placing it well beyond the typical range for the Insurance industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
CINF
13.06%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
CINF’s Return on Equity of 13.06% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
AON
15.54%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
A Net Profit Margin of 15.54% places AON in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.
CINF
15.59%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
A Net Profit Margin of 15.59% places CINF in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin (TTM)
AON
24.55%
Insurance Industry
- Max
- 35.49%
- Q3
- 19.49%
- Median
- 14.35%
- Q1
- 8.53%
- Min
- -5.25%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
CINF
19.70%
Insurance Industry
- Max
- 35.49%
- Q3
- 19.49%
- Median
- 14.35%
- Q1
- 8.53%
- Min
- -5.25%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
Profitability at a Glance
| Symbol | AON | CINF |
|---|---|---|
| Return on Equity (TTM) | 38.26% | 13.06% |
| Return on Assets (TTM) | 5.12% | 4.87% |
| Net Profit Margin (TTM) | 15.54% | 15.59% |
| Operating Profit Margin (TTM) | 24.55% | 19.70% |
| Gross Profit Margin (TTM) | 47.00% | -- |
Financial Strength
Current Ratio (MRQ)
AON
1.03
Insurance Industry
- Max
- 2.97
- Q3
- 1.33
- Median
- 0.55
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
CINF
1.87
Insurance Industry
- Max
- 2.97
- Q3
- 1.33
- Median
- 0.55
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
AON
2.20
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.22
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
CINF
0.06
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.22
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
Interest Coverage Ratio (TTM)
AON
6.29
Insurance Industry
- Max
- 43.68
- Q3
- 20.84
- Median
- 9.56
- Q1
- 3.34
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
CINF
54.92
Insurance Industry
- Max
- 43.68
- Q3
- 20.84
- Median
- 9.56
- Q1
- 3.34
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
Financial Strength at a Glance
| Symbol | AON | CINF |
|---|---|---|
| Current Ratio (MRQ) | 1.03 | 1.87 |
| Quick Ratio (MRQ) | 1.02 | 1.87 |
| Debt-to-Equity Ratio (MRQ) | 2.20 | 0.06 |
| Interest Coverage Ratio (TTM) | 6.29 | 54.92 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
AON
0.75%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
AON’s Dividend Yield of 0.75% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
CINF
2.12%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
CINF’s Dividend Yield of 2.12% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
AON
23.09%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
AON’s Dividend Payout Ratio of 23.09% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
CINF
20.00%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
CINF’s Dividend Payout Ratio of 20.00% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | AON | CINF |
|---|---|---|
| Dividend Yield (TTM) | 0.75% | 2.12% |
| Dividend Payout Ratio (TTM) | 23.09% | 20.00% |
Valuation
Price-to-Earnings Ratio (TTM)
AON
30.92
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
At 30.92, AON’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
CINF
13.15
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
CINF’s P/E Ratio of 13.15 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Price-to-Sales Ratio (TTM)
AON
4.80
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
With a P/S Ratio of 4.80, AON trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
CINF
2.05
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
CINF’s P/S Ratio of 2.05 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
Price-to-Book Ratio (MRQ)
AON
9.82
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
At 9.82, AON’s P/B Ratio is at an extreme premium to the Insurance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
CINF
1.63
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
CINF’s P/B Ratio of 1.63 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | AON | CINF |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 30.92 | 13.15 |
| Price-to-Sales Ratio (TTM) | 4.80 | 2.05 |
| Price-to-Book Ratio (MRQ) | 9.82 | 1.63 |
| Price-to-Free Cash Flow Ratio (TTM) | 27.64 | 9.24 |