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CINF vs LPLA

CINF
Cincinnati Financial Corporation
BULLISH
Price
$160.18
Market Cap
$24.94B
Sector
Financial Services
AI Confidence
50%
LPLA
LPL Financial Holdings Inc.
NEUTRAL
Price
$321.89
Market Cap
$25.81B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CINF
10.56
LPLA
29.5
Forward P/E
CINF
17.4
LPLA
11.35
P/B Ratio
CINF
1.56
LPLA
4.82
P/S Ratio
CINF
1.97
LPLA
1.56
EV/EBITDA
CINF
7.56
LPLA
--

Profitability

Gross Margin
CINF
25.02%
LPLA
30.86%
Operating Margin
CINF
27.6%
LPLA
10.07%
Profit Margin
CINF
18.95%
LPLA
5.2%
ROE
CINF
16.04%
LPLA
20.86%
ROA
CINF
4.89%
LPLA
5.43%

Growth

Revenue Growth
CINF
21.8%
LPLA
41.8%
Earnings Growth
CINF
67.3%
LPLA
4.6%

Financial Health

Debt/Equity
CINF
0.06
LPLA
1.42
Current Ratio
CINF
0.64
LPLA
2.38
Quick Ratio
CINF
0.53
LPLA
2.31

Dividends

Dividend Yield
CINF
2.22%
LPLA
0.38%
Payout Ratio
CINF
22.94%
LPLA
10.99%

AI Verdict

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
LPLA NEUTRAL

LPLA exhibits a stable financial foundation with a Piotroski F-Score of 5/9, though it currently trades at a significant premium to its Graham Number ($128.01) and Intrinsic Value ($151.65). The company demonstrates elite operational consistency, having beaten earnings estimates for nearly 25 consecutive quarters, and possesses a highly attractive PEG ratio of 0.42. However, the valuation gap, combined with bearish insider selling and a 0/100 technical trend, offsets the strong growth metrics. The stock appears to be a high-quality compounder that is currently overpriced based on deterministic value models but potentially undervalued based on forward-looking growth projections.

Strengths
Exceptional earnings track record with consistent beats over 25 quarters
Strong ROE of 20.86% indicating efficient capital utilization
Robust revenue growth (YoY 41.80%) and Q/Q momentum
Risks
Significant valuation premium over Graham and Intrinsic value baselines
Bearish insider sentiment with multiple officer/president sales and zero buys
Technical trend is currently fully bearish (0/100)

Compare Another Pair

CINF vs LPLA: Head-to-Head Comparison

This page compares Cincinnati Financial Corporation (CINF) and LPL Financial Holdings Inc. (LPLA) 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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