CINF vs. RYAN: Cincinnati Financial vs. Ryan Specialty Stock Comparison

Company Profile

Cincinnati Financial (CINF) and Ryan Specialty (RYAN) both belong to the Insurance industry, though CINF is classified under Property & Casualty Insurance while RYAN falls under Insurance Brokers.

Cincinnati Financial (CINF) has more than two decades of public-market history since March 17, 1980, whereas Ryan Specialty (RYAN) listed on July 22, 2021 and has a much shorter record to draw on.

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

Ryan Specialty (RYAN) at 25.15% sits in the top ROE quartile, while Cincinnati Financial (CINF) at 16.87% is closer to the peer norm — stronger capital efficiency for RYAN.

Cincinnati Financial (CINF) at 20.07% keeps a top-quartile share of each sales dollar as profit, while Ryan Specialty (RYAN) at 3.27% keeps a bottom-quartile share.

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

Profitability Metrics

Growth

Both Cincinnati Financial (CINF) at 11.41% and Ryan Specialty (RYAN) at 21.28% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Cincinnati Financial (CINF) at 4.40% is around its peer norm for EPS growth, while Ryan Specialty (RYAN) at -33.80% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Cincinnati Financial (CINF) in Insurance and Ryan Specialty (RYAN) 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 Ryan Specialty (RYAN) 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 Ryan Specialty (RYAN) at 1.06% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Cincinnati Financial (CINF) at 21.65% pays out a band-typical share of earnings, while Ryan Specialty (RYAN) at 63.75% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Cincinnati Financial (CINF) at 10.88 is near its industry’s usual P/E ratio, while Ryan Specialty (RYAN) at 59.66 sits above its peer range — an unusually expensive price for RYAN’s trailing earnings.

Cincinnati Financial (CINF) at 2.14 is priced about in line with its industry on P/S ratio, while Ryan Specialty (RYAN) at 3.78 sits in the pricier quartile — RYAN costs more per dollar of sales.

Cincinnati Financial (CINF) at 1.76 sits near its industry’s typical P/B ratio, while Ryan Specialty (RYAN) at 12.86 prices above its benchmark range — RYAN looks rich relative to book.

Valuation Metrics