CINF
Cincinnati Financial Corporation
CINF trails on the overall score without a compensating advantage in the available component scores.
GS
The Goldman Sachs Group, Inc.
GS has the edge over CINF overall, supported by stronger modeled upside and stronger valuation.
CINF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CINF's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CINF.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
CINF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.5x | $128 | -33% |
| Fair | 10x | $174 | -8.6% |
| Current | 11x | $190 | — |
| Expensive | 19x | $327 | +72% |
| Forward | 21x | $190 | — |
Historical ranges are pointers, not guarantees.
CINF has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
CINF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| Low |
Analysts expect CINF's earnings, revenue and profitability to hold roughly steady. However, they disagree widely on these estimates.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over CINF on the outlook, with more favorable valuation and earnings expectations.
CINF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.94 | -48% |
| Q3 2026 | $17.05 | +27% |
| Q2 2026 | $21.20 | +84% |
| Q1 2026 | $17.49 | +91% |
| Q4 2025 | $15.17 | +4.4% |
| Q3 2025 | $13.45 | -31% |
| Q2 2025 | $11.54 | -15% |
| Q1 2025 | $9.18 | -39% |
| Q4 2024 | $14.53 | +25% |
CINF earned $17.05 per share over the past year, up 27% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over CINF on earnings, with more consistent year-over-year improvement.
CINF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3B | -18% |
| Q2 2026 | $4.3B | +32% |
| Q1 2026 | $2.9B | +12% |
| Q4 2025 | $3.1B | +22% |
| Q3 2025 | $3.7B | +12% |
| Q2 2025 | $3.2B | +28% |
| Q1 2025 | $2.6B | -13% |
| Q4 2024 | $2.5B | -24% |
CINF's revenue is growing: $3B last quarter, down 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 18% | -20 points |
| Q2 2026 | 37% | +11 points |
| Q1 2026 | 11% | +16 points |
| Q4 2025 | 27% | +8.3 points |
| Q3 2025 | 38% | +6.6 points |
| Q2 2025 | 26% | +11 points |
| Q1 2025 | -5% | -38 points |
| Q4 2024 | 19% | -26 points |
CINF's operating margin was 18% last quarter, down 20 points from the same quarter a year ago.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over CINF on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over CINF on profitability, with a higher operating margin.
CINF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $787M | -29% |
| Q2 2026 | $698M | -5.3% |
| Q1 2026 | $654M | +113% |
| Q4 2025 | $939M | +47% |
| Q3 2025 | $1.1B | +22% |
| Q2 2025 | $737M | 0% |
| Q1 2025 | $307M | -11% |
| Q4 2024 | $638M | +12% |
CINF has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
CINF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -600K shares |
| 1 year | -1.7% | -2.7M shares |
| 3 years | -1.1% | -1.8M shares |
| 5 years | -4.8% | -7.8M shares |
| Available history | -6.1% | -10M shares |
CINF has 155M diluted shares, down 1.7% from a year ago, with $499M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1M |
| Q2 2026 | $216M |
| Q1 2026 | $179M |
| Q4 2025 | $103M |
| Q3 2025 | $60M |
| Q2 2025 | — |
| Q1 2025 | $42M |
| Q4 2024 | $5M |
CINF spent $499M buying back its own shares over the past year, about five times what it spent the year before.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over CINF on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
CINF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2022 | -0.4x | Net Cash |
| Q1 2022 | -0.1x | Net Cash |
| Q4 2021 | -0.1x | Net Cash |
| Q3 2021 | -0.1x | Net Cash |
| Q2 2021 | -0.0x | Net Cash |
| Q1 2021 | -0.0x | Net Cash |
| Q4 2020 | -0.0x | Net Cash |
| Q3 2020 | -0.1x | Net Cash |
CINF has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CINF.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
CINF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.3 | Neutral |
| Stochastic | 79.4 | Neutral |
CINF's weekly RSI is 66 (neutral) and its Stochastic is 79 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
CINF PE vs Financial Services Sector
| Metric | CINF | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 58 | 63 | 5 pts below |
CINF has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
CINF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $174.1 | 9.3% above |
| 20 week MA | $175.3 | 8.6% above |
| 50 week MA | $168.6 | 13% above |
| 100 week MA | $158.2 | 20% above |
| 200 week MA | $137.0 | 39% above |
CINF has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
CINF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $103.9 | $85.2 | -18% |
| 2021 | $85.2 | $112.3 | +32% |
| 2022 | $112.3 | $104.5 | -7% |
| 2023 | $104.5 | $103.5 | -1% |
| 2024 | $103.5 | $144.1 | +39% |
| 2025 | $144.1 | $164.8 | +14% |
| 2026 YTD | $164.8 | $190.3 | +15% |
CINF has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.