CINF vs. SLF: Cincinnati Financial vs. Sun Life Financial Stock Comparison

Company Profile

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

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 Sun Life Financial (SLF) at 11.55% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Cincinnati Financial (CINF) at 20.07% retains a top-quartile share of revenue as profit, ahead of Sun Life Financial (SLF) at 8.63%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Cincinnati Financial (CINF) in Insurance and Sun Life Financial (SLF) 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 Sun Life Financial (SLF) at 11.50% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Cincinnati Financial (CINF) at 4.40% and Sun Life Financial (SLF) at 16.92% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Cincinnati Financial (CINF) in Insurance and Sun Life Financial (SLF) 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 Sun Life Financial (SLF) 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

Sun Life Financial (SLF) at 5.12% delivers top-quartile income for its industry, while Cincinnati Financial (CINF) at 1.96% pays a more typical yield — both are credible income propositions, SLF the richer one.

Cincinnati Financial (CINF) at 21.65% pays out a band-typical share of earnings, while Sun Life Financial (SLF) at 70.41% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Cincinnati Financial (CINF) at 10.88 and Sun Life Financial (SLF) at 18.58 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

On P/S ratio, both Cincinnati Financial (CINF) at 2.14 and Sun Life Financial (SLF) at 1.12 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

On P/B ratio, both Cincinnati Financial (CINF) at 1.76 and Sun Life Financial (SLF) at 2.26 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics