CINF vs. UNM: Cincinnati Financial vs. Unum Stock Comparison
How do Cincinnati Financial (CINF) and Unum (UNM) 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 Unum (UNM) both belong to the Insurance industry, though CINF is classified under Property & Casualty Insurance while UNM falls under Life & Health Insurance.
| Profile Item | CINF | UNM |
|---|---|---|
| Name | Cincinnati Financial Corporation | Unum Group |
| 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 | Life & Health Insurance |
| Market Capitalization | 28.47 billion USD | 11.89 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | March 17, 1980 | November 6, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CINF | UNM |
|---|---|---|
| Total Return (1Y) | 15.64% | 4.52% |
| Total Return (3Y, Annualized) | 26.43% | 25.65% |
| Total Return (5Y, Annualized) | 11.17% | 29.12% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CINF | UNM |
|---|---|---|
| Volatility (1Y, Annualized) | 20.57% | 29.31% |
| Beta (5Y) | 0.46 | 0.28 |
| Max Drawdown (5Y) | -35.77% | -23.00% |
| Avg. Volume (3M) | 610.21K | 1.86M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CINF | UNM |
|---|---|---|
| Sharpe Ratio (1Y) | 0.55 | 0.01 |
| Sortino Ratio (1Y) | 0.80 | 0.01 |
Profitability
ROE (TTM)
Cincinnati Financial (CINF) at 16.87% is around its peer norm for ROE, while Unum (UNM) at 2.25% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
CINF
Insurance industry group
16.87%
- Max
- 41.68%
- Q3
- 22.04%
- CINF
- 16.87%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
UNM
Insurance industry group
2.25%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- UNM
- 2.25%
- Min
- -10.66%
Net Margin (TTM)
Cincinnati Financial (CINF) at 20.07% keeps a top-quartile share of each sales dollar as profit, while Unum (UNM) at 1.94% keeps a bottom-quartile 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%
UNM
Insurance industry group
1.94%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- UNM
- 1.94%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Cincinnati Financial (CINF) in Insurance and Unum (UNM) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CINF | UNM |
|---|---|---|
| ROE (TTM) | 16.87% | 2.25% |
| ROA (TTM) | 5.03% | 0.51% |
| Net Margin (TTM) | 20.07% | 1.94% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Cincinnati Financial (CINF) at 11.41% is around its peer norm for revenue growth, while Unum (UNM) at 1.52% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Cincinnati Financial (CINF) at 4.40% is around its peer norm for EPS growth, while Unum (UNM) at -54.86% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | CINF | UNM |
|---|---|---|
| Revenue Growth (YoY) | 11.41% | 1.52% |
| Revenue Growth (3Y CAGR) | 24.39% | 3.02% |
| EPS Growth (YoY) | 4.40% | -54.86% |
| EPS Growth (3Y CAGR) | -- | -13.07% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Cincinnati Financial (CINF) in Insurance and Unum (UNM) 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 Unum (UNM) 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 | UNM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Unum (UNM) at 2.61% delivers top-quartile income for its industry, while Cincinnati Financial (CINF) at 1.96% pays a more typical yield — both are credible income propositions, UNM the richer one.
CINF
Insurance industry group
1.96%
- Max
- 5.12%
- Q3
- 2.15%
- CINF
- 1.96%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
UNM
Insurance industry group
2.61%
- Max
- 5.12%
- UNM
- 2.61%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Unum (UNM) reports payout ratio above 100% at 128.23%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Cincinnati Financial (CINF) reports 21.65%, ranking against industry peers normally.
CINF
Insurance industry group
21.65%
- Max
- 76.67%
- Q3
- 35.18%
- CINF
- 21.65%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
UNM
Insurance industry group
128.23%
- UNM
- 128.23%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CINF | UNM |
|---|---|---|
| Dividend Yield (TTM) | 1.96% | 2.61% |
| Dividend Payout Ratio (TTM) | 21.65% | 128.23% |
Valuation
P/E Ratio (TTM)
Cincinnati Financial (CINF) at 10.88 is near its industry’s usual P/E ratio, while Unum (UNM) at 52.21 sits above its peer range — an unusually expensive price for UNM’s trailing earnings.
CINF
Insurance industry group
10.88
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- CINF
- 10.88
- Q1
- 9.08
- Min
- 2.32
UNM
Insurance industry group
52.21
- UNM
- 52.21
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Cincinnati Financial (CINF) at 2.14 and Unum (UNM) at 0.95 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
UNM
Insurance industry group
0.95
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- UNM
- 0.95
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Unum (UNM) at 1.11 sits in the lower P/B ratio quartile against book while Cincinnati Financial (CINF) at 1.76 is valued near its industry’s middle — UNM is cheaper on assets, though weigh it against ROE and asset quality.
CINF
Insurance industry group
1.76
- Max
- 5.07
- Q3
- 2.79
- CINF
- 1.76
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
UNM
Insurance industry group
1.11
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- UNM
- 1.11
- Min
- 0.30
Valuation Metrics
| Metric | CINF | UNM |
|---|---|---|
| P/E Ratio (TTM) | 10.88 | 52.21 |
| P/S Ratio (TTM) | 2.14 | 0.95 |
| P/B Ratio (MRQ) | 1.76 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |