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CINF vs. L: Cincinnati Financial vs. Loews Stock Comparison

How do Cincinnati Financial (CINF) and Loews (L) 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 Loews (L) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Company profile comparison for Cincinnati Financial (CINF) and Loews (L)
Profile ItemCINFL
NameCincinnati Financial CorporationLoews Corp.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryProperty & Casualty InsuranceProperty & Casualty Insurance
Market Capitalization28.47 billion USD22.19 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateMarch 17, 1980March 17, 1980
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CINF
L
GSPC
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Cincinnati Financial (CINF) vs. Loews (L), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Cincinnati Financial (CINF) and Loews (L). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Cincinnati Financial (CINF) and Loews (L). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Cincinnati Financial (CINF) and Loews (L)
MetricCINFL
Total Return (1Y)15.64%7.24%
Total Return (3Y, Annualized)26.43%19.27%
Total Return (5Y, Annualized)11.17%14.13%

Risk Profile

Drawdown History

CINF
L
GSPC
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Cincinnati Financial (CINF) vs. Loews (L), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Cincinnati Financial (CINF) and Loews (L). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Cincinnati Financial (CINF) and Loews (L)
MetricCINFL
Volatility (1Y, Annualized)20.57%16.13%
Beta (5Y)0.460.49
Max Drawdown (5Y)-35.77%-26.11%
Avg. Volume (3M)610.21K805.54K

Risk-Adjusted Performance

Risk-Return Positioning

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CINF and L are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Cincinnati Financial (CINF) and Loews (L)
MetricCINFL
Sharpe Ratio (1Y)0.550.18
Sortino Ratio (1Y)0.800.26

Profitability

ROE (TTM)

Cincinnati Financial (CINF) at 16.87% is around its peer norm for ROE, while Loews (L) at 8.21% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

CINF

Insurance industry group

16.87%

Max
41.68%
Q3
22.04%
CINF
16.87%
Median
14.81%
Q1
8.79%
Min
-10.66%

L

Insurance industry group

8.21%

Max
41.68%
Q3
22.04%
Median
14.81%
Q1
8.79%
L
8.21%
Min
-10.66%
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Cincinnati Financial (CINF) vs. Loews (L): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Cincinnati Financial (CINF) at 20.07% retains a top-quartile share of revenue as profit, ahead of Loews (L) at 7.93%, 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%

L

Insurance industry group

7.93%

Max
29.92%
Q3
17.03%
Median
10.97%
L
7.93%
Q1
6.21%
Min
-4.68%
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Cincinnati Financial (CINF) vs. Loews (L): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Cincinnati Financial (CINF) in Insurance and Loews (L) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Cincinnati Financial (CINF) and Loews (L)
MetricCINFL
ROE (TTM)16.87%8.21%
ROA (TTM)5.03%1.71%
Net Margin (TTM)20.07%7.93%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Both Cincinnati Financial (CINF) at 11.41% and Loews (L) at 5.44% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Cincinnati Financial (CINF) vs. Loews (L): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Cincinnati Financial (CINF) at 4.40% and Loews (L) at 24.34% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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Cincinnati Financial (CINF) vs. Loews (L): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Cincinnati Financial (CINF) and Loews (L)
MetricCINFL
Revenue Growth (YoY)11.41%5.44%
Revenue Growth (3Y CAGR)24.39%8.96%
EPS Growth (YoY)4.40%24.34%
EPS Growth (3Y CAGR)--33.10%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Cincinnati Financial (CINF) in Insurance and Loews (L) 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 Loews (L) 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

Financial strength metrics for Cincinnati Financial (CINF) and Loews (L)
MetricCINFL
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Cincinnati Financial (CINF) at 1.96% and Loews (L) at 0.23% 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%

L

Insurance industry group

0.23%

Max
5.12%
Q3
2.15%
Median
0.98%
L
0.23%
Q1
0.00%
Min
0.00%
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Cincinnati Financial (CINF) vs. Loews (L): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Cincinnati Financial (CINF) at 21.65% and Loews (L) at 3.46% 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%

L

Insurance industry group

3.46%

Max
76.67%
Q3
35.18%
Median
14.74%
L
3.46%
Q1
0.00%
Min
0.00%
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Cincinnati Financial (CINF) vs. Loews (L): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Cincinnati Financial (CINF) and Loews (L)
MetricCINFL
Dividend Yield (TTM)1.96%0.23%
Dividend Payout Ratio (TTM)21.65%3.46%

Valuation

P/E Ratio (TTM)

Both Cincinnati Financial (CINF) at 10.88 and Loews (L) at 15.17 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

CINF

Insurance industry group

10.88

Max
28.37
Q3
18.75
Median
12.23
CINF
10.88
Q1
9.08
Min
2.32

L

Insurance industry group

15.17

Max
28.37
Q3
18.75
L
15.17
Median
12.23
Q1
9.08
Min
2.32
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Cincinnati Financial (CINF) vs. Loews (L): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Cincinnati Financial (CINF) at 2.14 and Loews (L) at 1.18 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

L

Insurance industry group

1.18

Max
4.03
Q3
2.25
Median
1.23
L
1.18
Q1
0.85
Min
0.07
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Cincinnati Financial (CINF) vs. Loews (L): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Loews (L) at 1.22 sits in the lower P/B ratio quartile against book while Cincinnati Financial (CINF) at 1.76 is valued near its industry’s middle — L 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

L

Insurance industry group

1.22

Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
L
1.22
Min
0.30
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Cincinnati Financial (CINF) vs. Loews (L): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Cincinnati Financial (CINF) and Loews (L)
MetricCINFL
P/E Ratio (TTM)10.8815.17
P/S Ratio (TTM)2.141.18
P/B Ratio (MRQ)1.761.22
Free Cash Flow Yield (TTM)----