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

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

Company Profile

SymbolCINFCRCL
Company NameCincinnati Financial CorporationCircle Internet Group
CountryUnited StatesUnited States
GICS SectorFinancialsInformation Technology
GICS IndustryInsuranceSoftware
Market Capitalization24.08 billion USD37.93 billion USD
ExchangeNasdaqGSNYSE
Listing DateMarch 17, 1980June 5, 2025
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of CINF and CRCL 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.

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

Historical Performance at a Glance

SymbolCINFCRCL
5-Day Price Return1.68%0.15%
13-Week Price Return2.67%--
26-Week Price Return11.67%--
52-Week Price Return21.40%--
Month-to-Date Return4.41%-16.54%
Year-to-Date Return7.17%84.02%
10-Day Avg. Volume0.58M12.89M
3-Month Avg. Volume0.61M28.46M
3-Month Volatility21.67%--
Beta0.75-5.76

Profitability

Return on Equity (TTM)

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.

CRCL

--

Software Industry

Max
59.01%
Q3
21.98%
Median
7.15%
Q1
-11.12%
Min
-51.24%

Return on Equity data for CRCL is currently unavailable.

CINF vs. CRCL: A comparison of their Return on Equity (TTM) against their respective Insurance and Software industry benchmarks.

Net Profit Margin (TTM)

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.

CRCL

--

Software Industry

Max
48.14%
Q3
18.23%
Median
5.60%
Q1
-9.22%
Min
-49.36%

Net Profit Margin data for CRCL is currently unavailable.

CINF vs. CRCL: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Software industry benchmarks.

Operating Profit Margin (TTM)

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.

CRCL

--

Software Industry

Max
57.34%
Q3
20.60%
Median
7.84%
Q1
-8.72%
Min
-51.37%

Operating Profit Margin data for CRCL is currently unavailable.

CINF vs. CRCL: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Software industry benchmarks.

Profitability at a Glance

SymbolCINFCRCL
Return on Equity (TTM)13.06%--
Return on Assets (TTM)4.87%--
Net Profit Margin (TTM)15.59%--
Operating Profit Margin (TTM)19.70%--
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

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.

CRCL

1.02

Software Industry

Max
3.83
Q3
2.31
Median
1.45
Q1
1.03
Min
0.24

CRCL’s Current Ratio of 1.02 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

CINF vs. CRCL: A comparison of their Current Ratio (MRQ) against their respective Insurance and Software industry benchmarks.

Debt-to-Equity Ratio (MRQ)

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.

CRCL

0.02

Software Industry

Max
2.14
Q3
0.90
Median
0.29
Q1
0.00
Min
0.00

CRCL’s Debt-to-Equity Ratio of 0.02 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

CINF vs. CRCL: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Software industry benchmarks.

Interest Coverage Ratio (TTM)

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.

CRCL

--

Software Industry

Max
67.02
Q3
19.86
Median
0.70
Q1
-12.50
Min
-53.00

Interest Coverage Ratio data for CRCL is currently unavailable.

CINF vs. CRCL: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Software industry benchmarks.

Financial Strength at a Glance

SymbolCINFCRCL
Current Ratio (MRQ)1.871.02
Quick Ratio (MRQ)1.871.02
Debt-to-Equity Ratio (MRQ)0.060.02
Interest Coverage Ratio (TTM)54.92--

Growth

Revenue Growth

CINF vs. CRCL: 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

CINF vs. CRCL: 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)

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.

CRCL

0.00%

Software Industry

Max
0.08%
Q3
0.03%
Median
0.00%
Q1
0.00%
Min
0.00%

CRCL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

CINF vs. CRCL: A comparison of their Dividend Yield (TTM) against their respective Insurance and Software industry benchmarks.

Dividend Payout Ratio (TTM)

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.

CRCL

0.00%

Software Industry

Max
1.32%
Q3
0.53%
Median
0.00%
Q1
0.00%
Min
0.00%

CRCL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

CINF vs. CRCL: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Software industry benchmarks.

Dividend at a Glance

SymbolCINFCRCL
Dividend Yield (TTM)2.13%0.00%
Dividend Payout Ratio (TTM)20.00%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

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.

CRCL

--

Software Industry

Max
149.35
Q3
100.21
Median
47.97
Q1
26.77
Min
11.68

P/E Ratio data for CRCL is currently unavailable.

CINF vs. CRCL: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Software industry benchmarks.

Price-to-Sales Ratio (TTM)

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.

CRCL

--

Software Industry

Max
25.24
Q3
13.52
Median
8.15
Q1
4.87
Min
0.98

P/S Ratio data for CRCL is currently unavailable.

CINF vs. CRCL: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Software industry benchmarks.

Price-to-Book Ratio (MRQ)

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.

CRCL

--

Software Industry

Max
30.95
Q3
14.91
Median
7.75
Q1
3.60
Min
0.38

P/B Ratio data for CRCL is currently unavailable.

CINF vs. CRCL: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Software industry benchmarks.

Valuation at a Glance

SymbolCINFCRCL
Price-to-Earnings Ratio (TTM)13.05--
Price-to-Sales Ratio (TTM)2.04--
Price-to-Book Ratio (MRQ)1.63--
Price-to-Free Cash Flow Ratio (TTM)9.18--