CINF vs. MRSH: Cincinnati Financial vs. Marsh & McLennan Stock Comparison
How do Cincinnati Financial (CINF) and Marsh & McLennan (MRSH) 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 Marsh & McLennan (MRSH) both belong to the Insurance industry, though CINF is classified under Property & Casualty Insurance while MRSH falls under Insurance Brokers.
| Profile Item | CINF | MRSH |
|---|---|---|
| Name | Cincinnati Financial Corporation | Marsh & McLennan Companies, 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 | Insurance Brokers |
| Market Capitalization | 28.47 billion USD | 97.39 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | March 17, 1980 | February 21, 1973 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CINF | MRSH |
|---|---|---|
| Total Return (1Y) | 15.64% | 16.87% |
| Total Return (3Y, Annualized) | 26.43% | 3.11% |
| Total Return (5Y, Annualized) | 11.17% | 6.23% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CINF | MRSH |
|---|---|---|
| Volatility (1Y, Annualized) | 20.57% | 26.15% |
| Beta (5Y) | 0.46 | 0.51 |
| Max Drawdown (5Y) | -35.77% | -34.36% |
| Avg. Volume (3M) | 610.21K | 2.43M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CINF | MRSH |
|---|---|---|
| Sharpe Ratio (1Y) | 0.55 | 0.48 |
| Sortino Ratio (1Y) | 0.80 | 0.74 |
Profitability
ROE (TTM)
Marsh & McLennan (MRSH) at 27.24% sits in the top ROE quartile, while Cincinnati Financial (CINF) at 16.87% is closer to the peer norm — stronger capital efficiency for MRSH.
CINF
Insurance industry group
16.87%
- Max
- 41.68%
- Q3
- 22.04%
- CINF
- 16.87%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
MRSH
Insurance industry group
27.24%
- Max
- 41.68%
- MRSH
- 27.24%
- Q3
- 22.04%
- 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 Marsh & McLennan (MRSH) at 14.20%, 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%
MRSH
Insurance industry group
14.20%
- Max
- 29.92%
- Q3
- 17.03%
- MRSH
- 14.20%
- 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 Marsh & McLennan (MRSH) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CINF | MRSH |
|---|---|---|
| ROE (TTM) | 16.87% | 27.24% |
| ROA (TTM) | 5.03% | 7.35% |
| Net Margin (TTM) | 20.07% | 14.20% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Cincinnati Financial (CINF) at 11.41% and Marsh & McLennan (MRSH) at 10.32% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Cincinnati Financial (CINF) at 4.40% and Marsh & McLennan (MRSH) at 3.06% 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 | MRSH |
|---|---|---|
| Revenue Growth (YoY) | 11.41% | 10.32% |
| Revenue Growth (3Y CAGR) | 24.39% | 9.20% |
| EPS Growth (YoY) | 4.40% | 3.06% |
| EPS Growth (3Y CAGR) | -- | 11.75% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Cincinnati Financial (CINF) in Insurance and Marsh & McLennan (MRSH) 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 Marsh & McLennan (MRSH) 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 | MRSH |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Cincinnati Financial (CINF) at 1.96% and Marsh & McLennan (MRSH) at 1.80% 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%
MRSH
Insurance industry group
1.80%
- Max
- 5.12%
- Q3
- 2.15%
- MRSH
- 1.80%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Cincinnati Financial (CINF) at 21.65% pays out a band-typical share of earnings, while Marsh & McLennan (MRSH) at 44.14% distributes more than its industry norm — less retained, thinner cover.
CINF
Insurance industry group
21.65%
- Max
- 76.67%
- Q3
- 35.18%
- CINF
- 21.65%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
MRSH
Insurance industry group
44.14%
- Max
- 76.67%
- MRSH
- 44.14%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CINF | MRSH |
|---|---|---|
| Dividend Yield (TTM) | 1.96% | 1.80% |
| Dividend Payout Ratio (TTM) | 21.65% | 44.14% |
Valuation
P/E Ratio (TTM)
Cincinnati Financial (CINF) at 10.88 is near its industry’s usual P/E ratio, while Marsh & McLennan (MRSH) at 24.50 sits in the richer quartile — MRSH needs stronger growth or earnings quality to justify the premium.
CINF
Insurance industry group
10.88
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- CINF
- 10.88
- Q1
- 9.08
- Min
- 2.32
MRSH
Insurance industry group
24.50
- Max
- 28.37
- MRSH
- 24.50
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Cincinnati Financial (CINF) at 2.14 is priced about in line with its industry on P/S ratio, while Marsh & McLennan (MRSH) at 3.42 sits in the pricier quartile — MRSH costs more per dollar of sales.
CINF
Insurance industry group
2.14
- Max
- 4.03
- Q3
- 2.25
- CINF
- 2.14
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
MRSH
Insurance industry group
3.42
- Max
- 4.03
- MRSH
- 3.42
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Cincinnati Financial (CINF) at 1.76 sits near its industry’s typical P/B ratio, while Marsh & McLennan (MRSH) at 6.64 prices above its benchmark range — MRSH looks rich relative to book.
CINF
Insurance industry group
1.76
- Max
- 5.07
- Q3
- 2.79
- CINF
- 1.76
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
MRSH
Insurance industry group
6.64
- MRSH
- 6.64
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | CINF | MRSH |
|---|---|---|
| P/E Ratio (TTM) | 10.88 | 24.50 |
| P/S Ratio (TTM) | 2.14 | 3.42 |
| P/B Ratio (MRQ) | 1.76 | 6.64 |
| Free Cash Flow Yield (TTM) | -- | -- |