COMPARE · Data as of August 27, 2026
CINF vs SAFT
Verdict: Side-by-side breakdown using the Bull Rankings model. CINF scored 74.0, SAFT scored 73.0 — CINF leads.
Compare another set
Different reporting periods. SAFT'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
22.5
CINF leads
SAFT
Safety Insurance Group, Inc.
51.8Fin
$103.79 · $1.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestCINF8.1x
- Fastest growthSAFT+13.0%
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
SAFT
+11.4%B
Rev
+13.0%B+
8.1xA-
P/E
22.3xC
21.5%A-
ROE
7.8%C+
1.58B
P/B
1.74B
2.2%B
Yield
3.5%B+
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.
SAFTSafety Insurance Group, Inc.
Why now
Insurance - Property & Casualty · market cap $1.5b. Trading near 52-week high of $103.80 — momentum setup, limited technical margin of safety. Revenue growing +13%, comfortably above the S&P median. PEG 0.95 — paying under fair value for the growth rate.
Moat
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
Trading within 0% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. ROE 8% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate. 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
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.