BRO vs. CINF: A Head-to-Head Stock Comparison

Updated on August 19, 2025

Here’s a clear look at BRO and CINF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	BRO	CINF
Company Name	Brown & Brown, Inc.	Cincinnati Financial Corporation
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Insurance
Market Capitalization	31.64 billion USD	24.08 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	February 11, 1981	March 17, 1980
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of BRO 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.

BRO vs. CINF: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BRO	CINF
5-Day Price Return	3.68%	1.68%
13-Week Price Return	-13.41%	2.67%
26-Week Price Return	-11.00%	11.67%
52-Week Price Return	-3.67%	21.40%
Month-to-Date Return	4.97%	4.41%
Year-to-Date Return	-5.99%	7.17%
10-Day Avg. Volume	3.60M	0.58M
3-Month Avg. Volume	3.18M	0.61M
3-Month Volatility	26.77%	21.67%
Beta	0.81	0.75

Profitability

Return on Equity (TTM)

BRO

12.86%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

BRO’s Return on Equity of 12.86% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

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.

BRO vs. CINF: A comparison of their Return on Equity (TTM) against the Insurance industry benchmark.

Net Profit Margin (TTM)

BRO

19.89%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

A Net Profit Margin of 19.89% places BRO 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.

BRO vs. CINF: A comparison of their Net Profit Margin (TTM) against the Insurance industry benchmark.

Operating Profit Margin (TTM)

BRO

30.11%

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.

BRO vs. CINF: A comparison of their Operating Profit Margin (TTM) against the Insurance industry benchmark.

Profitability at a Glance

Symbol	BRO	CINF
Return on Equity (TTM)	12.86%	13.06%
Return on Assets (TTM)	5.19%	4.87%
Net Profit Margin (TTM)	19.89%	15.59%
Operating Profit Margin (TTM)	30.11%	19.70%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

BRO

2.75

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.

BRO vs. CINF: A comparison of their Current Ratio (MRQ) against the Insurance industry benchmark.

Debt-to-Equity Ratio (MRQ)

BRO

0.65

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.

BRO vs. CINF: A comparison of their Debt-to-Equity Ratio (MRQ) against the Insurance industry benchmark.

Interest Coverage Ratio (TTM)

BRO

7.75

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.

BRO vs. CINF: A comparison of their Interest Coverage Ratio (TTM) against the Insurance industry benchmark.

Financial Strength at a Glance

Symbol	BRO	CINF
Current Ratio (MRQ)	2.75	1.87
Quick Ratio (MRQ)	2.65	1.87
Debt-to-Equity Ratio (MRQ)	0.65	0.06
Interest Coverage Ratio (TTM)	7.75	54.92

Growth

Revenue Growth

BRO vs. CINF: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BRO vs. CINF: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BRO

0.52%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

BRO’s Dividend Yield of 0.52% 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

2.13%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

CINF’s Dividend Yield of 2.13% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

BRO vs. CINF: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

Dividend Payout Ratio (TTM)

BRO

16.40%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

BRO’s Dividend Payout Ratio of 16.40% 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.

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.

BRO vs. CINF: A comparison of their Dividend Payout Ratio (TTM) against the Insurance industry benchmark.

Dividend at a Glance

Symbol	BRO	CINF
Dividend Yield (TTM)	0.52%	2.13%
Dividend Payout Ratio (TTM)	16.40%	20.00%

Valuation

Price-to-Earnings Ratio (TTM)

BRO

31.30

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

At 31.30, BRO’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

13.05

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

CINF’s P/E Ratio of 13.05 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.

BRO vs. CINF: A comparison of their Price-to-Earnings Ratio (TTM) against the Insurance industry benchmark.

Price-to-Sales Ratio (TTM)

BRO

6.22

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

With a P/S Ratio of 6.22, BRO 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

2.04

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

CINF’s P/S Ratio of 2.04 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.

BRO vs. CINF: A comparison of their Price-to-Sales Ratio (TTM) against the Insurance industry benchmark.

Price-to-Book Ratio (MRQ)

BRO

3.15

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

BRO’s P/B Ratio of 3.15 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

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.

BRO vs. CINF: A comparison of their Price-to-Book Ratio (MRQ) against the Insurance industry benchmark.

Valuation at a Glance

Symbol	BRO	CINF
Price-to-Earnings Ratio (TTM)	31.30	13.05
Price-to-Sales Ratio (TTM)	6.22	2.04
Price-to-Book Ratio (MRQ)	3.15	1.63
Price-to-Free Cash Flow Ratio (TTM)	24.91	9.18