Sifting through countless of stocks in the Insurance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Cincinnati Financial Corporation or Old Republic International Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Cincinnati Financial Corporation and Old Republic International Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Cincinnati Financial Corporation and Old Republic International Corporation

Cincinnati Financial Corporation provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty and property, commercial auto, and workers’ compensation. This segment also provides contract and commercial surety bonds, and fidelity bonds; management liability; and machinery and equipment insurance products. The Personal Lines Insurance segment offers personal auto; homeowner; and other personal lines insurance, such as dwelling fire, inland marine, personal umbrella liability, and watercraft coverages. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products, as well as other coverages comprising miscellaneous errors and omissions, professional liability, and excess liability; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance; universal life insurance; and worksite and whole life insurance products, as well as annuities. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. The company was founded in 1950 and is headquartered in Fairfield, Ohio.

Old Republic International Corporation, through its subsidiaries, provides insurance underwriting and related services in the United States and Canada. It operates in two segments, Specialty Insurance and Title Insurance. The Specialty Insurance segment provides lines of coverages, such as accident and health, aviation, commercial auto, commercial multi-peril, commercial property, cyber, environmental, excess and surplus, home and auto warranty, automobile extended warranty, general liability, inland marine, travel accident, and workers' compensation, as well as financial indemnity, including directors and officers, errors and omissions, fidelity, and surety coverages. This segment offers its products to transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services industries. The Title Insurance segment insures against losses arising out of defects, liens and encumbrances affecting the insured title to real estate purchasers and investors. This segment also provides escrow closing and construction disbursement services; and real estate information products; national default management services; and various other services pertaining to real estate transfers and loan transactions. The company was founded in 1923 and is based in Chicago, Illinois.

Latest Insurance and Cincinnati Financial Corporation, Old Republic International Corporation Stock News

As of July 7, 2026, Cincinnati Financial Corporation had a $29.2 billion market capitalization, compared to the Insurance median of $7.3 million. Cincinnati Financial Corporation’s stock is up 11.1% in 2026, down 2% in the previous five trading days and up 27.24% in the past year.

Currently, Cincinnati Financial Corporation’s price-earnings ratio is 10.8. Cincinnati Financial Corporation’s trailing 12-month revenue is $12.9 billion with a 21.3% net profit margin. Year-over-year quarterly sales growth most recently was 11.6%. Analysts expect adjusted earnings to reach $8.767 per share for the current fiscal year. Cincinnati Financial Corporation currently has a 2.0% dividend yield.

As of July 7, 2026, Old Republic International Corporation had a $10.0 billion market cap, putting it in the 77th percentile of all stocks. Old Republic International Corporation’s stock is down 9.1% in 2026, up 1.4% in the previous five trading days and up 10.22% in the past year.

Currently, Old Republic International Corporation’s price-earnings ratio is 10.3. Old Republic International Corporation’s trailing 12-month revenue is $9.4 billion with a 10.8% net profit margin. Year-over-year quarterly sales growth most recently was 13.5%. Analysts expect adjusted earnings to reach $3.067 per share for the current fiscal year. Old Republic International Corporation currently has a 9.0% dividend yield.

How We Compare Cincinnati Financial Corporation and Old Republic International Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Cincinnati Financial Corporation and Old Republic International Corporation’s stock grades to see how they measure up against one another.

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Cincinnati Financial Corporation and Old Republic International Corporation Growth Grades

Company	Ticker	Growth
Cincinnati Financial Corporation	CINF	A
Old Republic International Corporation	ORI	C

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Cincinnati Financial Corporation has a Growth Score of 83, which is Very Strong. Old Republic International Corporation has a Growth Score of 56, which is Average.

The Growth Grade Winner: Cincinnati Financial Corporation

As you can clearly see from the Growth Grade breakdown above, Cincinnati Financial Corporation has a more attractive growth grade than Old Republic International Corporation. For investors who focus solely on how a company is growing relative to other companies in the same industry, Cincinnati Financial Corporation could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Cincinnati Financial Corporation and Old Republic International Corporation’s Quality Grades

Company	Ticker	Quality
Cincinnati Financial Corporation	CINF	B
Old Republic International Corporation	ORI	C

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Cincinnati Financial Corporation has a Quality Score of 80, which is Strong. Old Republic International Corporation has a Quality Score of 60, which is Average.

The Quality Grade Winner: Cincinnati Financial Corporation

As you can clearly see from the Quality Grade breakdown above, Cincinnati Financial Corporation has a better overall quality grade than Old Republic International Corporation. For investors who are looking for companies with higher quality than others in the same industry, Cincinnati Financial Corporation could be a good stock to add to their portfolios. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Cincinnati Financial Corporation and Old Republic International Corporation’s Momentum Grades

Company	Ticker	Momentum
Cincinnati Financial Corporation	CINF	B
Old Republic International Corporation	ORI	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Cincinnati Financial Corporation has a Momentum Score of 66, which is Strong. Old Republic International Corporation has a Momentum Score of 45, which is Average.

The Momentum Grade Winner: Cincinnati Financial Corporation

As you can clearly see from the Momentum Grade breakdown above, Cincinnati Financial Corporation is considered to have stronger momentum compared to Old Republic International Corporation. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Cincinnati Financial Corporation could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Cincinnati Financial Corporation and Old Republic International Corporation Grades

In addition to Quality, Momentum and Growth, A+ Investor also provides grades for Value and Estimate Revisions.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Cincinnati Financial Corporation and Old Republic International Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Cincinnati Financial Corporation or Old Republic International Corporation Stock?

Overall, Cincinnati Financial Corporation stock has a Growth Score of 83, Momentum Score of 66 and Quality Score of 80.

Old Republic International Corporation stock has a Growth Score of 56, Momentum Score of 45 and Quality Score of 60.

Comparing Cincinnati Financial Corporation and Old Republic International Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.