CINCINNATI FINANCIAL CORPORATION vs Travelers Companies, Inc., two Insurance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Cincinnati Financial and Travelers both underwrite property and casualty risk, judged by the combined ratio and whether reserves prove adequate. Travelers is much the bigger book at $71.5B against Cincinnati's $28.9B, and earns a far higher return on equity, 23.77% versus 14.06%. Yet the market prices them within a stone's throw on earnings, Travelers at 9.77 times and Cincinnati at 10.53. Cincinnati holds the slightly higher net margin, 17.09% against Travelers' 15.54%. On book value Travelers trades at 2.24 times against Cincinnati's 1.84. Cincinnati pays the larger dividend, 1.89% versus 0.86%, the difference in how each hands back cash.
Comparison updated 2026-07-11.
| Metric | CINF | TRV |
|---|---|---|
| Price | $179.18 | $338.86 |
| Market cap | $28.1B | $74.0B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | 10.2 | 10.1 |
| P/B | 1.79 | 2.31 |
| P/S | 2.18 | 1.51 |
| EV/EBITDA | — | 380.3 |
| Revenue growth | +18.3% | +4.2% |
| Net margin | 17.1% | 15.5% |
| Return on equity | 14.1% | 23.8% |
| Return on assets | 5.4% | 5.3% |
| Dividend yield | 1.9% | 0.8% |
| Debt / equity | 0.05 | 0.00 |
| Piotroski F (quality) | 8 / 9 | 7 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.