CINF vs. PUK: Cincinnati Financial vs. Prudential Stock Comparison

Company Profile

Cincinnati Financial (CINF) and Prudential (PUK) both belong to the Insurance industry, though CINF is classified under Property & Casualty Insurance while PUK falls under Life & Health Insurance.

Cincinnati Financial (CINF) trades as ordinary local shares, while Prudential (PUK) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Cincinnati Financial (CINF) at 16.87% and Prudential (PUK) at 18.74% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

For every dollar of sales, both Cincinnati Financial (CINF) at 20.07% and Prudential (PUK) at 25.49% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

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

Profitability Metrics

Growth

Prudential (PUK) at 68.98% clears its industry range for revenue growth, far stronger top-line momentum than Cincinnati Financial (CINF) at 11.41%, which is closer to a typical peer reading.

Prudential (PUK) at 82.74% sits in the top EPS growth quartile, while Cincinnati Financial (CINF) at 4.40% is closer to the peer norm — faster per-share earnings growth for PUK.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Cincinnati Financial (CINF) in Insurance and Prudential (PUK) 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-to-equity ratio is set aside for both: Cincinnati Financial (CINF) in Insurance and Prudential (PUK) 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

Dividends

Both Cincinnati Financial (CINF) at 1.96% and Prudential (PUK) at 1.10% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Both Cincinnati Financial (CINF) at 21.65% and Prudential (PUK) at 18.71% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Prudential (PUK) at 8.72 sits in the cheaper P/E ratio quartile, while Cincinnati Financial (CINF) at 10.88 is closer to its industry’s usual earnings multiple — a discount for PUK, though growth and earnings durability still matter.

On P/S ratio, both Cincinnati Financial (CINF) at 2.14 and Prudential (PUK) at 2.12 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Cincinnati Financial (CINF) at 1.76 sits near its industry’s typical P/B ratio, while Prudential (PUK) at 6.29 prices above its benchmark range — PUK looks rich relative to book.

Valuation Metrics