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

Updated on August 19, 2025

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

Company Profile

Symbol	CINF	PGR
Company Name	Cincinnati Financial Corporation	The Progressive Corporation
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Insurance
Market Capitalization	24.08 billion USD	146.08 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	March 17, 1980	March 17, 1980
Security Type	Common Stock	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	CINF	PGR
5-Day Price Return	1.68%	1.58%
13-Week Price Return	2.67%	-11.08%
26-Week Price Return	11.67%	-0.86%
52-Week Price Return	21.40%	11.75%
Month-to-Date Return	4.41%	2.95%
Year-to-Date Return	7.17%	4.00%
10-Day Avg. Volume	0.58M	2.80M
3-Month Avg. Volume	0.61M	3.44M
3-Month Volatility	21.67%	21.77%
Beta	0.75	0.33

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.

PGR

36.50%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

PGR’s Return on Equity of 36.50% is exceptionally high, placing it well beyond the typical range for the Insurance industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

CINF vs. PGR: A comparison of their Return on Equity (TTM) against the Insurance industry benchmark.

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.

PGR

12.66%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

PGR’s Net Profit Margin of 12.66% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

CINF vs. PGR: A comparison of their Net Profit Margin (TTM) against the Insurance industry benchmark.

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.

PGR

16.28%

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.

CINF vs. PGR: A comparison of their Operating Profit Margin (TTM) against the Insurance industry benchmark.

Profitability at a Glance

Symbol	CINF	PGR
Return on Equity (TTM)	13.06%	36.50%
Return on Assets (TTM)	4.87%	9.53%
Net Profit Margin (TTM)	15.59%	12.66%
Operating Profit Margin (TTM)	19.70%	16.28%
Gross Profit Margin (TTM)	--	--

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.

PGR

0.08

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.

CINF vs. PGR: A comparison of their Current Ratio (MRQ) against the Insurance industry benchmark.

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.

PGR

0.21

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.

CINF vs. PGR: A comparison of their Debt-to-Equity Ratio (MRQ) against the Insurance industry benchmark.

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.

PGR

39.40

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.

CINF vs. PGR: A comparison of their Interest Coverage Ratio (TTM) against the Insurance industry benchmark.

Financial Strength at a Glance

Symbol	CINF	PGR
Current Ratio (MRQ)	1.87	0.08
Quick Ratio (MRQ)	1.87	0.04
Debt-to-Equity Ratio (MRQ)	0.06	0.21
Interest Coverage Ratio (TTM)	54.92	39.40

Growth

Revenue Growth

CINF vs. PGR: 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. PGR: 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.

PGR

1.97%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

PGR’s Dividend Yield of 1.97% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

CINF vs. PGR: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

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.

PGR

27.53%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

PGR’s Dividend Payout Ratio of 27.53% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CINF vs. PGR: A comparison of their Dividend Payout Ratio (TTM) against the Insurance industry benchmark.

Dividend at a Glance

Symbol	CINF	PGR
Dividend Yield (TTM)	2.13%	1.97%
Dividend Payout Ratio (TTM)	20.00%	27.53%

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.

PGR

13.97

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

PGR’s P/E Ratio of 13.97 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.

CINF vs. PGR: A comparison of their Price-to-Earnings Ratio (TTM) against the Insurance industry benchmark.

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.

PGR

1.77

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

PGR’s P/S Ratio of 1.77 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

CINF vs. PGR: A comparison of their Price-to-Sales Ratio (TTM) against the Insurance industry benchmark.

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.

PGR

4.80

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

At 4.80, PGR’s P/B Ratio is at an extreme premium to the Insurance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

CINF vs. PGR: A comparison of their Price-to-Book Ratio (MRQ) against the Insurance industry benchmark.

Valuation at a Glance

Symbol	CINF	PGR
Price-to-Earnings Ratio (TTM)	13.05	13.97
Price-to-Sales Ratio (TTM)	2.04	1.77
Price-to-Book Ratio (MRQ)	1.63	4.80
Price-to-Free Cash Flow Ratio (TTM)	9.18	8.85