TRV vs CINF Comparison: AI Score, Valuation, Performance and Upside
Compare Travelers' national scale against Cincinnati Financial's agent-relationship-driven underwriting and dividend streak.
Use this Travelers vs Cincinnati Financial comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
CINF holds the edge across 3 of 5 key metrics in this comparison. TRV leads on both 1-year return (+30.75%) and forward P/E quality (12.24x vs 19.04x for CINF), a relatively favorable combination of momentum and valuation. CINF leads on both revenue growth (31.60%) and operating margin (37.20%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for CINF (+11.45%) than for TRV (-2.59%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | TRV | CINF |
|---|---|---|
| AI scorei | 49.8 | 53.0 |
| AI ranki | #496 | #313 |
| Latest closei | $363.16 | $161.92 |
| 1M returni | -1.82% | -5.84% |
| 6M returni | +24.45% | +3.52% |
| 1Y returni | +30.75% | +3.20% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | TRV | CINF |
|---|---|---|
| 1Y ago | $13.13K (+31.3%) started 2025-09-29 | $10.35K (+3.5%) started 2025-09-29 |
| 5Y ago | $27.13K (+171.3%) started 2021-09-29 | $16.74K (+67.4%) started 2021-09-29 |
| 10Y ago | $47.54K (+375.4%) started 2016-09-29 | $35.33K (+253.3%) started 2016-09-29 |
Hypothetical — past performance does not guarantee future results.
| Metric | TRV | CINF |
|---|---|---|
| Market capi | $77.15B | $26.39B |
| Trailing P/Ei | 9.94 | 8.15 |
| Forward P/Ei | 12.24 | 19.04 |
| Price/Salesi | 1.32 | N/A |
| EV/Revenuei | 1.66 | 1.82 |
| Analyst targeti | $360.33 | $191.67 |
| Target upsidei | -2.59% | +11.45% |
| Metric | TRV | CINF |
|---|---|---|
| Revenue growthi | 0.30% | 31.60% |
| Earnings growthi | 57.10% | 85.50% |
| EPS growthi | +57.10% | +85.50% |
| FCF margini | +30.17% | +21.39% |
| Operating margini | 23.70% | 37.20% |
| Profit margini | 16.95% | 23.84% |
| ROIC proxyi | 26.51% | 21.48% |
| Return on equityi | 26.51% | 21.48% |
| Dividend yieldi | 1.35% | 2.19% |
| Payout ratioi | 12.23% | 17.09% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 0.46 | 0.55 |
| Debt/equityi | 27.38 | 5.25 |
| Current ratioi | 0.32 | 1.15 |
| Quick ratioi | 0.19 | 0.97 |
Over the past year, TRV and CINF have moved moderately in the same direction (correlation of 0.67), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | TRV | CINF |
|---|---|---|---|
| 1Y | Growthi | +31.34% | +3.55% |
| CAGRi | +31.45% | +3.56% | |
| Volatilityi | 20.86% | 20.74% | |
| Sharpe ratioi | 1.21 | 0.06 | |
| Sortino ratioi | 1.95 | 0.08 | |
| Max drawdowni | 9.27% | 15.68% | |
| Current drawdowni | 8.57% | 15.68% | |
| Avg drawdowni | 3.46% | 5.27% | |
| Ulcer Indexi | 4.37% | 6.39% | |
| Max daily dropi | 3.35% | 4.22% | |
| Max wkly dropi | 5.72% | 6.70% | |
| 5Y | Growthi | +151.91% | +52.33% |
| CAGRi | +20.30% | +8.78% | |
| Volatilityi | 22.29% | 25.68% | |
| Sharpe ratioi | 0.74 | 0.28 | |
| Sortino ratioi | 1.09 | 0.40 | |
| Max drawdowni | 18.90% | 35.77% | |
| Current drawdowni | 8.57% | 15.68% | |
| Avg drawdowni | 5.39% | 12.15% | |
| Ulcer Indexi | 7.02% | 15.30% | |
| Max daily dropi | 7.92% | 13.91% | |
| Max wkly dropi | 11.58% | 16.73% | |
| 10Y | Growthi | +285.66% | +173.42% |
| CAGRi | +14.45% | +10.58% | |
| Volatilityi | 24.70% | 28.97% | |
| Sharpe ratioi | 0.49 | 0.34 | |
| Sortino ratioi | 0.68 | 0.48 | |
| Max drawdowni | 46.28% | 58.12% | |
| Current drawdowni | 8.57% | 15.68% | |
| Avg drawdowni | 7.34% | 11.24% | |
| Ulcer Indexi | 10.38% | 15.59% | |
| Max daily dropi | 20.80% | 13.91% | |
| Max wkly dropi | 27.45% | 26.67% |
| Category | TRV | CINF |
|---|---|---|
| Company | TRV | CINF |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Property & Casualty |
| Core business | The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals… | Cincinnati Financial Corporation provides property casualty insurance products in the United States. |
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Volatility, Sharpe and Sortino ratios, maximum, current, and average drawdown, Ulcer Index, and worst single-day and single-week drops across every timeframe.
Pairwise daily-return correlation for every combination, so you can see whether two holdings actually diversify each other or just move together.
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