COMPARE · Data as of August 27, 2026
CINF vs RLI
Verdict: Side-by-side breakdown using the Bull Rankings model. CINF scored 74.0, RLI scored 69.0 — CINF leads.
Compare another set
Different reporting periods. RLI's fundamentals are as of June 2026, but CINF's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
CINF
Cincinnati Financial Corporation
74.3Fin
$171.42 · $26.3B
fundamentals as of
Strength gap
2.5
RLI leads
RLI
RLI Corp.
76.8Fin
$64.22 · $5.9B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestCINF8.1x
- Fastest growthCINF+11.4%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
CINF
RLI
+11.4%B
Rev
+6.3%C+
8.1xA-
P/E
13.5xB
21.5%A-
ROE
25.2%A-
1.58B
P/B
—
2.2%B
Yield
1.1%C+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
CINFCincinnati Financial Corporation
Why now
Insurance - Property & Casualty · market cap $26.3b. 12% off the 52-week high of $194.81. Revenue growing +11%, comfortably above the S&P median. 6 sell-side analysts publish a mean 1-yr target of $191.67 (implying +12% upside).
Moat
Net margin 24% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 21% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
RLIRLI Corp.
Why now
Insurance - Property & Casualty · market cap $5.9b. 6% off the 52-week high of $68.29. 4 sell-side analysts rate this a Hold with a mean 1-yr target of $60.50 (implying -6% upside).
Moat
Net margin 22% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 25% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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