CINF vs. MET: Cincinnati Financial vs. MetLife Stock Comparison
How do Cincinnati Financial (CINF) and MetLife (MET) 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 MetLife (MET) both belong to the Insurance industry, though CINF is classified under Property & Casualty Insurance while MET falls under Life & Health Insurance.
| Profile Item | CINF | MET |
|---|---|---|
| Name | Cincinnati Financial Corporation | MetLife, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Life & Health Insurance |
| Market Capitalization | 28.47 billion USD | 61.76 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | March 17, 1980 | April 5, 2000 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CINF | MET |
|---|---|---|
| Total Return (1Y) | 15.64% | 38.57% |
| Total Return (3Y, Annualized) | 26.43% | 23.59% |
| Total Return (5Y, Annualized) | 11.17% | 13.62% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CINF | MET |
|---|---|---|
| Volatility (1Y, Annualized) | 20.57% | 24.21% |
| Beta (5Y) | 0.46 | 0.77 |
| Max Drawdown (5Y) | -35.77% | -35.09% |
| Avg. Volume (3M) | 610.21K | 3.05M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CINF | MET |
|---|---|---|
| Sharpe Ratio (1Y) | 0.55 | 1.42 |
| Sortino Ratio (1Y) | 0.80 | 2.10 |
Profitability
ROE (TTM)
Both Cincinnati Financial (CINF) at 16.87% and MetLife (MET) at 19.92% 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%
MET
Insurance industry group
19.92%
- Max
- 41.68%
- Q3
- 22.04%
- MET
- 19.92%
- Median
- 14.81%
- 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 MetLife (MET) at 6.21%, 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%
MET
Insurance industry group
6.21%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- MET
- 6.21%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Cincinnati Financial (CINF) in Insurance and MetLife (MET) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CINF | MET |
|---|---|---|
| ROE (TTM) | 16.87% | 19.92% |
| ROA (TTM) | 5.03% | 0.60% |
| Net Margin (TTM) | 20.07% | 6.21% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Cincinnati Financial (CINF) at 11.41% and MetLife (MET) at 7.88% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Cincinnati Financial (CINF) at 4.40% is around its peer norm for EPS growth, while MetLife (MET) at -21.04% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | CINF | MET |
|---|---|---|
| Revenue Growth (YoY) | 11.41% | 7.88% |
| Revenue Growth (3Y CAGR) | 24.39% | 3.92% |
| EPS Growth (YoY) | 4.40% | -21.04% |
| EPS Growth (3Y CAGR) | -- | 18.50% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Cincinnati Financial (CINF) in Insurance and MetLife (MET) 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 MetLife (MET) 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 | MET |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Cincinnati Financial (CINF) at 1.96% and MetLife (MET) at 0.57% 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%
MET
Insurance industry group
0.57%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- MET
- 0.57%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Cincinnati Financial (CINF) at 21.65% and MetLife (MET) at 30.33% 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%
MET
Insurance industry group
30.33%
- Max
- 76.67%
- Q3
- 35.18%
- MET
- 30.33%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CINF | MET |
|---|---|---|
| Dividend Yield (TTM) | 1.96% | 0.57% |
| Dividend Payout Ratio (TTM) | 21.65% | 30.33% |
Valuation
P/E Ratio (TTM)
Both Cincinnati Financial (CINF) at 10.88 and MetLife (MET) at 12.85 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
MET
Insurance industry group
12.85
- Max
- 28.37
- Q3
- 18.75
- MET
- 12.85
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
MetLife (MET) at 0.75 sits in the cheaper P/S ratio quartile while Cincinnati Financial (CINF) at 2.14 prices around its industry’s middle — MET costs less per dollar of sales, though read it alongside growth and margins.
CINF
Insurance industry group
2.14
- Max
- 4.03
- Q3
- 2.25
- CINF
- 2.14
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
MET
Insurance industry group
0.75
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- MET
- 0.75
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Cincinnati Financial (CINF) at 1.76 and MetLife (MET) at 2.79 are valued close to their industries’ norm against book — neither stands out from peers.
CINF
Insurance industry group
1.76
- Max
- 5.07
- Q3
- 2.79
- CINF
- 1.76
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
MET
Insurance industry group
2.79
- Max
- 5.07
- Q3
- 2.79
- MET
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | CINF | MET |
|---|---|---|
| P/E Ratio (TTM) | 10.88 | 12.85 |
| P/S Ratio (TTM) | 2.14 | 0.75 |
| P/B Ratio (MRQ) | 1.76 | 2.79 |
| Free Cash Flow Yield (TTM) | -- | -- |