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 Unum Group or Cincinnati Financial 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 Unum Group and Cincinnati Financial Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Unum Group and Cincinnati Financial Corporation

Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as voluntary benefits, individual disability, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pensions, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was formerly known as UnumProvident Corporation and changed its name to Unum Group in March 2007. The company was founded in 1848 and is based in Chattanooga, Tennessee.

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.

Latest Insurance and Unum Group, Cincinnati Financial Corporation Stock News

As of July 30, 2026, Unum Group had a $13.7 billion market capitalization, compared to the Insurance median of $7.0 million. Unum Group’s stock is up 11.1% in 2026, down 0.1% in the previous five trading days and up 7.16% in the past year.

Currently, Unum Group’s price-earnings ratio is 18.8. Unum Group’s trailing 12-month revenue is $13.3 billion with a 5.3% net profit margin. Year-over-year quarterly sales growth most recently was 8.5%. Analysts expect adjusted earnings to reach $8.741 per share for the current fiscal year. Unum Group currently has a 2.1% dividend yield.

As of July 30, 2026, Cincinnati Financial Corporation had a $26.8 billion market cap, putting it in the 89th percentile of all stocks. Cincinnati Financial Corporation’s stock is up 8.8% in 2026, down 2.8% in the previous five trading days and up 14.69% in the past year.

Currently, Cincinnati Financial Corporation’s price-earnings ratio is 8.2. Cincinnati Financial Corporation’s trailing 12-month revenue is $14.0 billion with a 23.8% net profit margin. Year-over-year quarterly sales growth most recently was 31.6%. Analysts expect adjusted earnings to reach $8.585 per share for the current fiscal year. Cincinnati Financial Corporation currently has a 2.2% dividend yield.

How We Compare Unum Group and Cincinnati Financial 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 Unum Group and Cincinnati Financial Corporation’s stock grades to see how they measure up against one another.

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Unum Group and Cincinnati Financial Corporation Stock Value Grades

Company	Ticker	Value
Unum Group	UNM	B
Cincinnati Financial Corporation	CINF	A

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.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Unum Group has a Value Score of 61, which is Value. Cincinnati Financial Corporation has a Value Score of 90, which is Deep Value.

The Value Stock Winner: Cincinnati Financial Corporation

As you can clearly see from the Value Grade breakdown above, Cincinnati Financial Corporation is considered to have better value than Unum Group. For investors who focus solely on a company’s valuation, 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.

Unum Group and Cincinnati Financial Corporation Growth Grades

Company	Ticker	Growth
Unum Group	UNM	D
Cincinnati Financial Corporation	CINF	A

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.

Unum Group has a Growth Score of 36, which is Weak. Cincinnati Financial Corporation has a Growth Score of 83, which is Very Strong.

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 Unum Group. 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.

Unum Group and Cincinnati Financial Corporation’s Quality Grades

Company	Ticker	Quality
Unum Group	UNM	C
Cincinnati Financial Corporation	CINF	A

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.

Unum Group has a Quality Score of 46, which is Average. Cincinnati Financial Corporation has a Quality Score of 81, which is Very Strong.

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 Unum Group. 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.

Other Unum Group and Cincinnati Financial Corporation Grades

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

Momentum grades help 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.

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).

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 Unum Group and Cincinnati Financial Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Unum Group or Cincinnati Financial Corporation Stock?

Overall, Unum Group stock has a Value Score of 61, Growth Score of 36 and Quality Score of 46.

Cincinnati Financial Corporation stock has a Value Score of 90, Growth Score of 83 and Quality Score of 81.

Comparing Unum Group and Cincinnati Financial 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.