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 Willis Towers Watson Public Limited Company 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 Willis Towers Watson Public Limited Company compare based on key financial metrics to determine which better meets your investment needs.

About Cincinnati Financial Corporation and Willis Towers Watson Public Limited Company

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.

Willis Towers Watson Public Limited Company operates as an advisory, broking, and solutions company worldwide. The company operates through two segments: Health, Wealth & Career and Risk & Broking. It offers strategy and design consulting, plan management service and support, broking and administration services for health, wellbeing, and other group benefit programs, including medical, dental, disability, life, voluntary benefits, and other coverages; actuarial support, plan design, and administrative services for pension and retirement savings plans; retirement consulting services and solutions; and integrated solutions that consists of investment discretionary management, pension administration, core actuarial, and communication and change management assistance services. The company also provides advice, data, software, and products to address clients’ total rewards and talent issues; and risk advice, insurance brokerage, and consulting services in the areas of property and casualty, affinity, risk and analytics, aerospace, construction, global markets direct and facultative, financial, executive and professional risks, credit risk solutions, crisis management, surety, marine, and natural resources. In addition, it offers software and technology, risk and capital management, products and product pricing, financial and regulatory reporting, financial and capital modeling, M&A, outsourcing, and business management services. The company was formerly known as Willis Group Holdings Public Limited Company and changed its name to Willis Towers Watson Public Limited Company in January 2016. Willis Towers Watson Public Limited Company was founded in 1828 and is based in London, the United Kingdom.

Latest Insurance and Cincinnati Financial Corporation, Willis Towers Watson Public Limited Company Stock News

As of July 31, 2026, Cincinnati Financial Corporation had a $27.3 billion market capitalization, compared to the Insurance median of $7.1 million. Cincinnati Financial Corporation’s stock is up 8.8% in 2026, down 2.8% in the previous five trading days and up 18.84% in the past year.

Currently, Cincinnati Financial Corporation’s price-earnings ratio is 8.4. 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 2.1% dividend yield.

As of July 31, 2026, Willis Towers Watson Public Limited Company had a $31.2 billion market cap, putting it in the 90th percentile of all stocks. Willis Towers Watson Public Limited Company’s stock is up 2.2% in 2026, up 13.8% in the previous five trading days and up 11.29% in the past year.

Currently, Willis Towers Watson Public Limited Company’s price-earnings ratio is 20.6. Willis Towers Watson Public Limited Company’s trailing 12-month revenue is $10.1 billion with a 15.5% net profit margin. Year-over-year quarterly sales growth most recently was 9.1%. Analysts expect adjusted earnings to reach $19.854 per share for the current fiscal year. Willis Towers Watson Public Limited Company currently has a 1.1% dividend yield.

How We Compare Cincinnati Financial Corporation and Willis Towers Watson Public Limited Company 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 Willis Towers Watson Public Limited Company’s stock grades to see how they measure up against one another.

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Cincinnati Financial Corporation and Willis Towers Watson Public Limited Company Growth Grades

Company	Ticker	Growth
Cincinnati Financial Corporation	CINF	A
Willis Towers Watson Public Limited Company	WTW	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. Willis Towers Watson Public Limited Company 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 Willis Towers Watson Public Limited Company. 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 Willis Towers Watson Public Limited Company’s Quality Grades

Company	Ticker	Quality
Cincinnati Financial Corporation	CINF	A
Willis Towers Watson Public Limited Company	WTW	B

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 81, which is Very Strong. Willis Towers Watson Public Limited Company has a Quality Score of 74, which is 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 Willis Towers Watson Public Limited Company. 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 Willis Towers Watson Public Limited Company’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Cincinnati Financial Corporation	CINF	D
Willis Towers Watson Public Limited Company	WTW	B

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

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Cincinnati Financial Corporation has a Earnings Estimate Score of 23, which is Negative. Willis Towers Watson Public Limited Company has a Earnings Estimate Score of 61, which is Positive.

The Earnings Estimate Revisions Grade Winner: Willis Towers Watson Public Limited Company

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Willis Towers Watson Public Limited Company has a better Earnings Estimate Revisions Grade than Cincinnati Financial Corporation. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Willis Towers Watson Public Limited Company could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Cincinnati Financial Corporation and Willis Towers Watson Public Limited Company Grades

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

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.

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 Willis Towers Watson Public Limited Company 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 Willis Towers Watson Public Limited Company Stock?

Overall, Cincinnati Financial Corporation stock has a Growth Score of 83, Estimate Revisions Score of 23 and Quality Score of 81.

Willis Towers Watson Public Limited Company stock has a Growth Score of 56, Estimate Revisions Score of 61 and Quality Score of 74.

Comparing Cincinnati Financial Corporation and Willis Towers Watson Public Limited Company’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.