CINF vs. TRV: Cincinnati Financial vs. Travelers Stock Comparison
How do Cincinnati Financial (CINF) and Travelers (TRV) 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 Travelers (TRV) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.
| Profile Item | CINF | TRV |
|---|---|---|
| Name | Cincinnati Financial Corporation | The Travelers 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 | Property & Casualty Insurance |
| Market Capitalization | 28.47 billion USD | 80.98 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | March 17, 1980 | November 17, 1975 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CINF | TRV |
|---|---|---|
| Total Return (1Y) | 15.64% | 43.06% |
| Total Return (3Y, Annualized) | 26.43% | 35.01% |
| Total Return (5Y, Annualized) | 11.17% | 22.46% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CINF | TRV |
|---|---|---|
| Volatility (1Y, Annualized) | 20.57% | 20.86% |
| Beta (5Y) | 0.46 | 0.39 |
| Max Drawdown (5Y) | -35.77% | -18.90% |
| Avg. Volume (3M) | 610.21K | 1.46M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CINF | TRV |
|---|---|---|
| Sharpe Ratio (1Y) | 0.55 | 1.86 |
| Sortino Ratio (1Y) | 0.80 | 3.16 |
Profitability
ROE (TTM)
Travelers (TRV) at 27.50% sits in the top ROE quartile, while Cincinnati Financial (CINF) at 16.87% is closer to the peer norm — stronger capital efficiency for TRV.
CINF
Insurance industry group
16.87%
- Max
- 41.68%
- Q3
- 22.04%
- CINF
- 16.87%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
TRV
Insurance industry group
27.50%
- Max
- 41.68%
- TRV
- 27.50%
- 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 Travelers (TRV) at 17.03%, 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%
TRV
Insurance industry group
17.03%
- Max
- 29.92%
- TRV
- 17.03%
- Q3
- 17.03%
- 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 Travelers (TRV) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CINF | TRV |
|---|---|---|
| ROE (TTM) | 16.87% | 27.50% |
| ROA (TTM) | 5.03% | 4.73% |
| Net Margin (TTM) | 20.07% | 17.03% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Cincinnati Financial (CINF) at 11.41% and Travelers (TRV) at 5.17% 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 Travelers (TRV) at 27.76% 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 | TRV |
|---|---|---|
| Revenue Growth (YoY) | 11.41% | 5.17% |
| Revenue Growth (3Y CAGR) | 24.39% | 9.79% |
| EPS Growth (YoY) | 4.40% | 27.76% |
| EPS Growth (3Y CAGR) | -- | 32.58% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Cincinnati Financial (CINF) in Insurance and Travelers (TRV) 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 Travelers (TRV) 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 | TRV |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Cincinnati Financial (CINF) at 1.96% and Travelers (TRV) at 1.17% 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%
TRV
Insurance industry group
1.17%
- Max
- 5.12%
- Q3
- 2.15%
- TRV
- 1.17%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Cincinnati Financial (CINF) at 21.65% and Travelers (TRV) at 12.36% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
CINF
Insurance industry group
21.65%
- Max
- 76.67%
- Q3
- 35.18%
- CINF
- 21.65%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
TRV
Insurance industry group
12.36%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- TRV
- 12.36%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CINF | TRV |
|---|---|---|
| Dividend Yield (TTM) | 1.96% | 1.17% |
| Dividend Payout Ratio (TTM) | 21.65% | 12.36% |
Valuation
P/E Ratio (TTM)
Both Cincinnati Financial (CINF) at 10.88 and Travelers (TRV) at 10.39 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
CINF
Insurance industry group
10.88
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- CINF
- 10.88
- Q1
- 9.08
- Min
- 2.32
TRV
Insurance industry group
10.39
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- TRV
- 10.39
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Cincinnati Financial (CINF) at 2.14 and Travelers (TRV) at 1.66 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
CINF
Insurance industry group
2.14
- Max
- 4.03
- Q3
- 2.25
- CINF
- 2.14
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
TRV
Insurance industry group
1.66
- Max
- 4.03
- Q3
- 2.25
- TRV
- 1.66
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Cincinnati Financial (CINF) at 1.76 and Travelers (TRV) at 2.79 are valued close to their industries’ norm against book — neither stands out from peers.
CINF
Insurance industry group
1.76
- Max
- 5.07
- Q3
- 2.79
- CINF
- 1.76
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
TRV
Insurance industry group
2.79
- Max
- 5.07
- TRV
- 2.79
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | CINF | TRV |
|---|---|---|
| P/E Ratio (TTM) | 10.88 | 10.39 |
| P/S Ratio (TTM) | 2.14 | 1.66 |
| P/B Ratio (MRQ) | 1.76 | 2.79 |
| Free Cash Flow Yield (TTM) | -- | -- |