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BRO vs CINF

BRO
Brown & Brown, Inc.
NEUTRAL
Price
$79.18
Market Cap
$27.03B
Sector
Financial Services
AI Confidence
75%
CINF
Cincinnati Financial Corporation
BULLISH
Price
$160.18
Market Cap
$24.94B
Sector
Financial Services
AI Confidence
50%

Valuation

P/E Ratio
BRO
23.78
CINF
10.56
Forward P/E
BRO
17.11
CINF
17.4
P/B Ratio
BRO
2.15
CINF
1.56
P/S Ratio
BRO
5.05
CINF
1.97
EV/EBITDA
BRO
18.27
CINF
7.56

Profitability

Gross Margin
BRO
49.55%
CINF
25.02%
Operating Margin
BRO
27.36%
CINF
27.6%
Profit Margin
BRO
18.69%
CINF
18.95%
ROE
BRO
10.7%
CINF
16.04%
ROA
BRO
4.17%
CINF
4.89%

Growth

Revenue Growth
BRO
34.2%
CINF
21.8%
Earnings Growth
BRO
-16.1%
CINF
67.3%

Financial Health

Debt/Equity
BRO
0.65
CINF
0.06
Current Ratio
BRO
1.18
CINF
0.64
Quick Ratio
BRO
0.47
CINF
0.53

Dividends

Dividend Yield
BRO
0.8%
CINF
2.22%
Payout Ratio
BRO
18.18%
CINF
22.94%

AI Verdict

BRO NEUTRAL

The Advanced Deterministic Scorecard reveals a mixed health profile with a weak Piotroski F-Score of 4/9, indicating borderline financial stability, and no available Altman Z-Score to assess bankruptcy risk. Despite strong revenue growth of 34.20% and solid profitability metrics like a 27.36% operating margin, earnings have declined YoY by -16.10%, creating a divergence between top-line and bottom-line performance. The stock trades above its Graham Number of $52.48 at $79.18, reflecting a premium valuation supported by growth expectations and sector outperformance in revenue. Analysts concur with a 'hold' recommendation, while insider sentiment is neutral and technical indicators suggest bearish momentum.

Strengths
Strong revenue growth of 34.20% YoY, outpacing sector average of 33.33%
High profitability with 27.36% operating margin and 18.69% net margin
Conservative debt levels with a Debt/Equity ratio of 0.65, below sector average of 1.58
Risks
Weak Piotroski F-Score of 4/9 suggests suboptimal financial health and potential operational inefficiencies
Earnings declining YoY by -16.10% despite strong revenue growth, indicating margin pressure
Technical trend score of 0/100 signals strong bearish momentum near 52-week lows
CINF BULLISH

CINF shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 10.6
Strong revenue growth of 21.8%
Low debt with D/E ratio of 0.06
Risks
Limited historical data available for full assessment

Compare Another Pair

BRO vs CINF: Head-to-Head Comparison

This page compares Brown & Brown, Inc. (BRO) and Cincinnati Financial Corporation (CINF) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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