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

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

Company Profile

SymbolCINFGPC
Company NameCincinnati Financial CorporationGenuine Parts Company
CountryUnited StatesUnited States
GICS SectorFinancialsConsumer Discretionary
GICS IndustryInsuranceDistributors
Market Capitalization24.08 billion USD19.20 billion USD
ExchangeNasdaqGSNYSE
Listing DateMarch 17, 1980March 17, 1980
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of CINF and GPC 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. GPC: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolCINFGPC
5-Day Price Return1.68%3.05%
13-Week Price Return2.67%13.17%
26-Week Price Return11.67%16.95%
52-Week Price Return21.40%1.78%
Month-to-Date Return4.41%7.12%
Year-to-Date Return7.17%18.23%
10-Day Avg. Volume0.58M1.16M
3-Month Avg. Volume0.61M1.29M
3-Month Volatility21.67%25.64%
Beta0.750.79

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.

GPC

17.79%

Distributors Industry

Max
18.85%
Q3
17.85%
Median
13.11%
Q1
11.23%
Min
11.19%

GPC’s Return on Equity of 17.79% is on par with the norm for the Distributors industry, indicating its profitability relative to shareholder equity is typical for the sector.

CINF vs. GPC: A comparison of their Return on Equity (TTM) against their respective Insurance and Distributors 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.

GPC

3.40%

Distributors Industry

Max
5.04%
Q3
4.92%
Median
4.56%
Q1
4.55%
Min
4.54%

GPC’s Net Profit Margin of 3.40% is below the typical range for the Distributors industry. This suggests the company may be facing challenges with cost control or operating in a highly competitive environment that limits its pricing power.

CINF vs. GPC: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Distributors 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.

GPC

4.95%

Distributors Industry

Max
11.14%
Q3
7.80%
Median
5.53%
Q1
3.65%
Min
3.17%

GPC’s Operating Profit Margin of 4.95% is around the midpoint for the Distributors industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolCINFGPC
Return on Equity (TTM)13.06%17.79%
Return on Assets (TTM)4.87%4.06%
Net Profit Margin (TTM)15.59%3.40%
Operating Profit Margin (TTM)19.70%4.95%
Gross Profit Margin (TTM)--36.88%

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.

GPC

1.14

Distributors Industry

Max
1.81
Q3
1.72
Median
1.48
Q1
1.24
Min
1.15

GPC’s Current Ratio of 1.14 is notably low, falling beneath the typical range for the Distributors industry. This suggests a heightened liquidity risk and could indicate potential challenges in meeting its short-term obligations.

CINF vs. GPC: A comparison of their Current Ratio (MRQ) against their respective Insurance and Distributors 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.

GPC

1.02

Distributors Industry

Max
1.09
Q3
0.98
Median
0.75
Q1
0.52
Min
0.46

GPC’s leverage is in the upper quartile of the Distributors industry, with a Debt-to-Equity Ratio of 1.02. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.

CINF vs. GPC: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Distributors 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.

GPC

13.15

Distributors Industry

Max
13.15
Q3
10.84
Median
5.59
Q1
4.01
Min
3.80

GPC’s Interest Coverage Ratio of 13.15 is in the upper quartile for the Distributors industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.

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

Financial Strength at a Glance

SymbolCINFGPC
Current Ratio (MRQ)1.871.14
Quick Ratio (MRQ)1.870.49
Debt-to-Equity Ratio (MRQ)0.061.02
Interest Coverage Ratio (TTM)54.9213.15

Growth

Revenue Growth

CINF vs. GPC: 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. GPC: 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.

GPC

2.94%

Distributors Industry

Max
44.83%
Q3
35.02%
Median
4.81%
Q1
3.26%
Min
1.54%

GPC’s Dividend Yield of 2.94% is in the lower quartile for the Distributors industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

CINF vs. GPC: A comparison of their Dividend Yield (TTM) against their respective Insurance and Distributors 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.

GPC

69.26%

Distributors Industry

Max
1,122.47%
Q3
858.23%
Median
55.08%
Q1
44.32%
Min
34.92%

GPC’s Dividend Payout Ratio of 69.26% is within the typical range for the Distributors industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

SymbolCINFGPC
Dividend Yield (TTM)2.13%2.94%
Dividend Payout Ratio (TTM)20.00%69.26%

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.

GPC

23.58

Distributors Industry

Max
28.99
Q3
25.04
Median
23.42
Q1
13.71
Min
6.24

GPC’s P/E Ratio of 23.58 is within the middle range for the Distributors industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

CINF vs. GPC: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Distributors 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.

GPC

0.80

Distributors Industry

Max
1.14
Q3
1.14
Median
0.96
Q1
0.61
Min
0.28

GPC’s P/S Ratio of 0.80 aligns with the market consensus for the Distributors industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

CINF vs. GPC: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Distributors 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.

GPC

3.58

Distributors Industry

Max
3.72
Q3
3.57
Median
3.12
Q1
2.41
Min
1.47

GPC’s P/B Ratio of 3.58 is in the upper tier for the Distributors 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 vs. GPC: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Distributors industry benchmarks.

Valuation at a Glance

SymbolCINFGPC
Price-to-Earnings Ratio (TTM)13.0523.58
Price-to-Sales Ratio (TTM)2.040.80
Price-to-Book Ratio (MRQ)1.633.58
Price-to-Free Cash Flow Ratio (TTM)9.1843.45