TWLO vs CINF

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

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

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

TWLO vs CINF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

TWLO

$28B

CINF

$28B

Max Drawdown

TWLO

90.36%

Winner

CINF

63.11%

Sharpe Ratio

TWLO

0.84

Winner

CINF

0.93

5Y Beta

TWLO

1.30

Winner

CINF

0.51

Industry

TWLO

Software - Infrastructure

CINF

Insurance - Property & Casualty

P/E Ratio

TWLO

164.98

Winner

CINF

14.05

Forward P/E

TWLO

32.57

Winner

CINF

20.62

PEG Ratio

Winner

TWLO

0.36

CINF

1.21

Dividend Yield

TWLO

N/A

CINF

1.98%

5Y Dividends CAGR

TWLO

N/A

CINF

8.32%

5Y EPS CAGR

TWLO

N/A

CINF

22.45%

Debt to Equity

TWLO

12.75%

Winner

CINF

5.03%

Free Cash Flow Yield

TWLO

3.45%

Winner

CINF

12.36%

P/S Ratio

TWLO

5.25

Winner

CINF

2.14

P/B Ratio

TWLO

3.83

Winner

CINF

1.78

TWLO vs CINF - Historical Returns

Returns include dividend reinvestment.

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

TWLO

+1.66%

Winner

CINF

+2.44%

Winner

TWLO

+33.15%

CINF

+11.77%

Winner

TWLO

+49.23%

CINF

+17.77%

Winner

TWLO

+45.41%

CINF

+26.42%

5Y(CAGR)

TWLO

-14.11%

Winner

CINF

+12.41%

10Y(CAGR)

Winner

TWLO

+16.74%

CINF

+12.25%

Max(CAGR)

Winner

TWLO

+20.67%

CINF

+9.90%

TWLO vs CINF - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

TWLO vs CINF Drawdown Comparison

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

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

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

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