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CINF vs PFG

CINF
Cincinnati Financial Corporation
BULLISH
Price
$160.18
Market Cap
$24.94B
Sector
Financial Services
AI Confidence
50%
PFG
Principal Financial Group, Inc.
NEUTRAL
Price
$93.98
Market Cap
$20.38B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CINF
10.56
PFG
17.9
Forward P/E
CINF
17.4
PFG
9.23
P/B Ratio
CINF
1.56
PFG
1.72
P/S Ratio
CINF
1.97
PFG
1.3
EV/EBITDA
CINF
7.56
PFG
11.28

Profitability

Gross Margin
CINF
25.02%
PFG
44.24%
Operating Margin
CINF
27.6%
PFG
14.11%
Profit Margin
CINF
18.95%
PFG
7.58%
ROE
CINF
16.04%
PFG
10.52%
ROA
CINF
4.89%
PFG
0.28%

Growth

Revenue Growth
CINF
21.8%
PFG
-3.7%
Earnings Growth
CINF
67.3%
PFG
-40.9%

Financial Health

Debt/Equity
CINF
0.06
PFG
0.35
Current Ratio
CINF
0.64
PFG
1.51
Quick Ratio
CINF
0.53
PFG
0.34

Dividends

Dividend Yield
CINF
2.22%
PFG
3.33%
Payout Ratio
CINF
22.94%
PFG
58.67%

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
PFG NEUTRAL

PFG presents a contradictory profile where strong price performance masks deteriorating fundamentals. The company maintains a stable health profile with a Piotroski F-Score of 4/9 and low debt, but it is currently trading at a significant premium to its Intrinsic Value ($36.75) and Graham Number ($80.36). Severe contractions in YoY earnings (-40.90%) and revenue (-3.70%) are major concerns, though a low Forward P/E of 9.23 suggests analysts expect a recovery. The stock is currently priced near its 52-week high despite these fundamental headwinds.

Strengths
Low Debt/Equity ratio of 0.35 indicating strong solvency
Sustainable dividend payout ratio of 58.67%
Strong 1-year price appreciation of 36.3%
Risks
Severe YoY earnings decline of 40.90%
Negative revenue growth both YoY (-3.70%) and Q/Q (-3.69%)
Current price ($93.98) is significantly above the growth-based intrinsic value ($36.75)

Compare Another Pair

CINF vs PFG: Head-to-Head Comparison

This page compares Cincinnati Financial Corporation (CINF) and Principal Financial Group, Inc. (PFG) 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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