CINF vs TWLO

Comparison between Cincinnati Financial Corp (CINF, Company) and Twilio Inc Class A (TWLO, Company).

CINF is from the Financial Services sector, while TWLO is from the Technology sector.

5-Year PerformanceCINF has outperformed TWLO, delivering a return of +12.4% compared to -14.1%

CINF vs TWLO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CINF(COMPANY)	TWLO(COMPANY)
Market Cap	$28B	$28B
Max Drawdown	63.11%	90.36%
Sharpe Ratio	0.93	0.84
5Y Beta	0.51	1.30
Industry	Insurance - Property & Casualty	Software - Infrastructure
P/E Ratio	14.05	164.98
Forward P/E	20.62	32.57
PEG Ratio	1.21	0.36
Dividend Yield	1.98%	N/A
5Y Dividends CAGR	8.32%	N/A
5Y EPS CAGR	22.45%	N/A
Debt to Equity	5.03%	12.75%
Free Cash Flow Yield	12.36%	3.45%
P/S Ratio	2.14	5.25
P/B Ratio	1.78	3.83

Market Cap

CINF

$28B

Winner

TWLO

$28B

Max Drawdown

Winner

CINF

63.11%

TWLO

90.36%

Sharpe Ratio

Winner

CINF

0.93

TWLO

0.84

5Y Beta

Winner

CINF

0.51

TWLO

1.30

Industry

CINF

Insurance - Property & Casualty

TWLO

Software - Infrastructure

P/E Ratio

Winner

CINF

14.05

TWLO

164.98

Forward P/E

Winner

CINF

20.62

TWLO

32.57

PEG Ratio

CINF

1.21

Winner

TWLO

0.36

Dividend Yield

CINF

1.98%

TWLO

N/A

5Y Dividends CAGR

CINF

8.32%

TWLO

N/A

5Y EPS CAGR

CINF

22.45%

TWLO

N/A

Debt to Equity

Winner

CINF

5.03%

TWLO

12.75%

Free Cash Flow Yield

Winner

CINF

12.36%

TWLO

3.45%

P/S Ratio

Winner

CINF

2.14

TWLO

5.25

P/B Ratio

Winner

CINF

1.78

TWLO

3.83

CINF vs TWLO - Historical Returns

Returns include dividend reinvestment.

Period	CINF	TWLO
1 month	+2.44%	+1.66%
3 months	+11.77%	+33.15%
6 months	+17.77%	+49.23%
1 year	+26.42%	+45.41%
5 years(CAGR)	+12.41%	-14.11%
10 years(CAGR)	+12.25%	+16.74%
Max(CAGR)	+9.90%	+20.67%

Winner

CINF

+2.44%

TWLO

+1.66%

CINF

+11.77%

Winner

TWLO

+33.15%

CINF

+17.77%

Winner

TWLO

+49.23%

CINF

+26.42%

Winner

TWLO

+45.41%

5Y(CAGR)

Winner

CINF

+12.41%

TWLO

-14.11%

10Y(CAGR)

CINF

+12.25%

Winner

TWLO

+16.74%

Max(CAGR)

CINF

+9.90%

Winner

TWLO

+20.67%

CINF vs TWLO - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CINF	TWLO
2026	+14.51%	+38.38%
2025	+17.25%	+30.41%
2024	+39.23%	+51.95%
2023	+2.35%	+50.48%
2022	-7.20%	-81.33%
2021	+37.81%	-21.29%
2020	-14.89%	+228.16%
2019	+42.18%	+13.00%
2018	+8.99%	+255.78%
2017	+2.29%	-10.94%
2016	+35.23%	+0.21%
2015	+19.51%	N/A
2014	+4.46%	N/A
2013	+35.98%	N/A
2012	+33.56%	N/A
2011	-0.40%	N/A
2010	+26.24%	N/A
2009	-3.35%	N/A
2008	-20.17%	N/A
2007	-10.80%	N/A
2006	+3.88%	N/A
2005	+3.48%	N/A
2004	+8.25%	N/A
2003	+10.85%	N/A
2002	+1.39%	N/A
2001	-1.59%	N/A
2000	+32.38%	N/A
1999	-10.56%	N/A

CINF vs TWLO Drawdown Comparison

The maximum drawdown for CINF was -59.58%, occurring on Mar 9, 2009. Recovery took 1426 trading sessions.

The maximum drawdown for TWLO was -90.36%, occurring on Nov 4, 2022. This drawdown has not yet recovered.

The current CINF drawdown is -4.80%. The current TWLO drawdown is -56.83%.

Rank	CINF	TWLO
#1	-59.58% Oct 18, 2006 - Jun 18, 2012	-90.36% Feb 18, 2021 - Nov 4, 2022
#2	-58.14% Oct 4, 2019 - Apr 30, 2021	-66.41% Sep 28, 2016 - Aug 7, 2018
#3	-35.76% Apr 20, 2022 - Aug 23, 2024	-52.18% Jul 26, 2019 - May 7, 2020
#4	-29.74% May 1, 2002 - Mar 3, 2004	-27.05% Sep 25, 2018 - Nov 7, 2018
#5	-26.60% Nov 8, 1999 - Mar 31, 2000	-22.51% Aug 3, 2020 - Oct 2, 2020
#6	-26.27% May 2, 2000 - May 31, 2001	-21.81% Dec 12, 2018 - Jan 7, 2019
#7	-20.03% Nov 27, 2024 - Sep 26, 2025	-21.20% Oct 13, 2020 - Dec 11, 2020
#8	-15.30% Mar 7, 2005 - Dec 1, 2005	-21.10% Nov 7, 2018 - Dec 12, 2018
#9	-14.71% Aug 3, 2017 - Sep 17, 2018	-14.05% Jan 20, 2021 - Feb 4, 2021
#10	-13.91% Nov 27, 2013 - Nov 5, 2014	-12.52% May 16, 2019 - Jun 7, 2019
#11	-13.23% Oct 4, 2001 - Mar 15, 2002	-12.49% Aug 16, 2016 - Sep 21, 2016
#12	-13.01% Mar 5, 2004 - Nov 26, 2004	-11.79% Jul 15, 2016 - Aug 9, 2016
#13	-12.34% Oct 28, 2021 - Feb 16, 2022	-11.26% Dec 22, 2020 - Jan 12, 2021
#14	-12.09% Dec 3, 2018 - Feb 4, 2019	-10.03% Apr 30, 2019 - May 16, 2019
#15	-11.76% Sep 2, 2016 - Dec 7, 2016	-9.98% Mar 21, 2019 - Apr 29, 2019