Cincinnati Financial vs Old Republic International
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KIRA’s take AI analyst
I put Cincinnati Financial and Old Republic International side by side, using each one’s latest annual report. Here is what stands out:
- Cincinnati Financial is the larger business, with $12.6B of revenue in fiscal 2025 against $9.1B for Old Republic International.
- Investors pay more for each dollar of Old Republic International’s earnings: a P/E of 8.4x against 8.4x for Cincinnati Financial.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Cincinnati Financial
CINF
3/5
Revenue growth5-year growthNet margin
Old Republic International
ORI
2/5
Return on equityShare count change
Side by side
Best in the row
| Latest fiscal year | CINF FY25 | ORI FY25 |
|---|---|---|
| Size | ||
| Market cap | $27.6B | $9.5B |
| Revenue | $12.6B | $9.1B |
| Free cash flow | $3.1B | — |
| Net income | $2.4B | $935M |
| Growth | ||
| Revenue growth | 11.4% | 11.0% |
| 5-year growth | 10.9% | 5.0% |
| Share count change | −0.1% | −4.4% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 19.0% | 10.2% |
| FCF margin | 24.5% | — |
| Return on capital | 17.1% | — |
| Return on equity | 16.0% | 16.2% |
| Balance sheet | ||
| Net debt | −$789M | — |
| Net debt / EBITDA | −0.3x | — |
| Dividends and buybacks | $730M | $906M |
| Valuation & quality | ||
| P/E | 8.4x | 8.4x |
| Piotroski F-score | — | — |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.