CINF vs. EG: Cincinnati Financial vs. Everest Stock Comparison
How do Cincinnati Financial (CINF) and Everest (EG) 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
Cincinnati Financial (CINF) and Everest (EG) both belong to the Insurance industry, though CINF is classified under Property & Casualty Insurance while EG falls under Reinsurance.
| Profile Item | CINF | EG |
|---|---|---|
| Name | Cincinnati Financial Corporation | Everest Group, Ltd. |
| Country/Region | United States | Bermuda |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Reinsurance |
| Market Capitalization | 28.47 billion USD | 15.23 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | March 17, 1980 | October 3, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CINF | EG |
|---|---|---|
| Total Return (1Y) | 15.64% | 28.99% |
| Total Return (3Y, Annualized) | 26.43% | 4.67% |
| Total Return (5Y, Annualized) | 11.17% | 10.80% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CINF | EG |
|---|---|---|
| Volatility (1Y, Annualized) | 20.57% | 21.71% |
| Beta (5Y) | 0.46 | 0.23 |
| Max Drawdown (5Y) | -35.77% | -23.84% |
| Avg. Volume (3M) | 610.21K | 382.05K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CINF | EG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.55 | 1.14 |
| Sortino Ratio (1Y) | 0.80 | 1.77 |
Profitability
ROE (TTM)
Both Cincinnati Financial (CINF) at 16.87% and Everest (EG) at 12.77% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
CINF
Insurance industry group
16.87%
- Max
- 41.68%
- Q3
- 22.04%
- CINF
- 16.87%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
EG
Insurance industry group
12.77%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- EG
- 12.77%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Cincinnati Financial (CINF) at 20.07% retains a top-quartile share of revenue as profit, ahead of Everest (EG) at 11.68%, which keeps about the industry-typical share.
CINF
Insurance industry group
20.07%
- Max
- 29.92%
- CINF
- 20.07%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
EG
Insurance industry group
11.68%
- Max
- 29.92%
- Q3
- 17.03%
- EG
- 11.68%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Cincinnati Financial (CINF) in Insurance and Everest (EG) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CINF | EG |
|---|---|---|
| ROE (TTM) | 16.87% | 12.77% |
| ROA (TTM) | 5.03% | 2.43% |
| Net Margin (TTM) | 20.07% | 11.68% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Cincinnati Financial (CINF) at 11.41% is around its peer norm for revenue growth, while Everest (EG) at 0.83% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Cincinnati Financial (CINF) at 4.40% and Everest (EG) at 18.94% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | CINF | EG |
|---|---|---|
| Revenue Growth (YoY) | 11.41% | 0.83% |
| Revenue Growth (3Y CAGR) | 24.39% | 12.84% |
| EPS Growth (YoY) | 4.40% | 18.94% |
| EPS Growth (3Y CAGR) | -- | 35.51% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Cincinnati Financial (CINF) in Insurance and Everest (EG) 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: Cincinnati Financial (CINF) in Insurance and Everest (EG) 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
| Metric | CINF | EG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Cincinnati Financial (CINF) at 1.96% and Everest (EG) at 1.91% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
CINF
Insurance industry group
1.96%
- Max
- 5.12%
- Q3
- 2.15%
- CINF
- 1.96%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
EG
Insurance industry group
1.91%
- Max
- 5.12%
- Q3
- 2.15%
- EG
- 1.91%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Cincinnati Financial (CINF) at 21.65% and Everest (EG) at 16.81% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
CINF
Insurance industry group
21.65%
- Max
- 76.67%
- Q3
- 35.18%
- CINF
- 21.65%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
EG
Insurance industry group
16.81%
- Max
- 76.67%
- Q3
- 35.18%
- EG
- 16.81%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CINF | EG |
|---|---|---|
| Dividend Yield (TTM) | 1.96% | 1.91% |
| Dividend Payout Ratio (TTM) | 21.65% | 16.81% |
Valuation
P/E Ratio (TTM)
Everest (EG) at 8.64 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 EG, though growth and earnings durability still matter.
CINF
Insurance industry group
10.88
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- CINF
- 10.88
- Q1
- 9.08
- Min
- 2.32
EG
Insurance industry group
8.64
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- EG
- 8.64
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Cincinnati Financial (CINF) at 2.14 and Everest (EG) at 0.94 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
CINF
Insurance industry group
2.14
- Max
- 4.03
- Q3
- 2.25
- CINF
- 2.14
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
EG
Insurance industry group
0.94
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- EG
- 0.94
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Everest (EG) at 1.08 sits in the lower P/B ratio quartile against book while Cincinnati Financial (CINF) at 1.76 is valued near its industry’s middle — EG is cheaper on assets, though weigh it against ROE and asset quality.
CINF
Insurance industry group
1.76
- Max
- 5.07
- Q3
- 2.79
- CINF
- 1.76
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
EG
Insurance industry group
1.08
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- EG
- 1.08
- Min
- 0.30
Valuation Metrics
| Metric | CINF | EG |
|---|---|---|
| P/E Ratio (TTM) | 10.88 | 8.64 |
| P/S Ratio (TTM) | 2.14 | 0.94 |
| P/B Ratio (MRQ) | 1.76 | 1.08 |
| Free Cash Flow Yield (TTM) | -- | -- |