Cincinnati Financial vs Selective Insurance Group
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KIRA’s take AI analyst
I put Cincinnati Financial and Selective Insurance Group 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 $5.3B for Selective Insurance Group, about 2.4 times as much.
- Cincinnati Financial grew revenue faster (11.4%, against 9.8%).
- Cincinnati Financial turned more of its sales into free cash flow (24.5% FCF margin, against 22.4%).
- Cincinnati Financial earned a higher return on the capital invested in it (17.1%, against 14.6%).
- Investors pay more for each dollar of Selective Insurance Group’s earnings: a P/E of 11.9x against 8.4x for Cincinnati Financial.
Who comes out ahead
Of the 8 measures where higher (or lower) is clearly better, how many each company leads.
Cincinnati Financial
CINF
6/8
Revenue growthNet marginFCF marginReturn on capitalReturn on equityNet debt / EBITDA
Selective Insurance Group
SIGI
2/8
5-year growthShare count change
Side by side
Best in the row
| Latest fiscal year | CINF FY25 | SIGI FY25 |
|---|---|---|
| Size | ||
| Market cap | $27.6B | $5.9B |
| Revenue | $12.6B | $5.3B |
| Free cash flow | $3.1B | $1.2B |
| Net income | $2.4B | $466M |
| Growth | ||
| Revenue growth | 11.4% | 9.8% |
| 5-year growth | 10.9% | 12.8% |
| Share count change | −0.1% | −0.4% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 19.0% | 8.7% |
| FCF margin | 24.5% | 22.4% |
| Return on capital | 17.1% | 14.6% |
| Return on equity | 16.0% | 13.9% |
| Balance sheet | ||
| Net debt | −$789M | $235M |
| Net debt / EBITDA | −0.3x | 0.4x |
| Dividends and buybacks | $730M | $186M |
| Valuation & quality | ||
| P/E | 8.4x | 11.9x |
| 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.