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Trend Analysis--Annual (click here for Quarterly Analysis)

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Balance Sheet ($000)
 2016Y 2015Y 2016/
2015
Ch (%)
2014Y 2015/
2014
Ch (%)
Cash and Investments16,277,00014,967,0008.7514,977,000(0.07)
Total Reinsurance Assets607,000596,0001.85574,0003.83
Total Deferred Policy Acquisition Costs637,000616,0003.41578,0006.57
Intangible Assets000.0000.00
Separate Account Assets766,000748,0002.41752,000(0.53)
Total Assets20,386,00018,888,0007.9318,748,0000.75
Total Policy Reserves10,063,0009,502,0005.909,064,0004.83
Total Debt846,000856,000(1.17)871,000(1.72)
Total Liabilities13,326,00012,461,0006.9412,175,0002.35
Total Mezzanine Level Items000.0000.00
Common Equity7,060,0006,427,0009.856,573,000(2.22)
Total Equity7,060,0006,427,0009.856,573,000(2.22)
Shares Outstanding (actual)164,387,000163,944,0000.27163,747,0000.12
Income Statement ($000)
 2016Y 2015Y 2016/
2015
Ch (%)
2014Y 2015/
2014
Ch (%)
Total Policy Revenue4,710,0004,480,0005.134,243,0005.59
Net Investment Income597,000573,0004.19552,0003.80
Realized Gains122,00069,00076.81130,000(46.92)
Total Revenue5,449,0005,142,0005.974,945,0003.98
Total Policy Expenses3,107,0002,808,00010.652,856,000(1.68)
Underwriting & Other Expenses1,477,0001,400,0005.501,315,0006.46
Interest Expense53,00053,0000.0053,0000.00
Total Expenses4,637,0004,261,0008.824,224,0000.88
Provision for Taxes221,000247,000(10.53)196,00026.02
Net Income591,000634,000(6.78)525,00020.76
Net Income After Taxes591,000634,000(6.78)525,00020.76
Per Share Items ($)
 2016Y 2015Y 2016/
2015
Ch (%)
2014Y 2015/
2014
Ch (%)
Diluted EPS Before Extraordinary3.553.83(7.31)3.1820.44
Diluted EPS After Extraordinary3.553.83(7.31)3.1820.44
Operating EPS3.073.56(13.76)2.6633.83
Book Value, Excluding FASB 11532.5030.835.4129.295.27
Dividends Declared1.92002.3000(16.52)1.760030.68
Underwriting Performance Ratios (%)
 2016Y 2015Y 2016/
2015
Ch (bp)
2014Y 2015/
2014
Ch (bp)
GAAP Loss Ratio63.8060.2036065.00(480)
GAAP Expense Ratio31.0030.901030.6030
GAAP Combined Ratio94.8091.1037095.60(450)
Underwriting Analysis ($000)
 2016Y 2015Y 2016/
2015
Ch (%)
2014Y 2015/
2014
Ch (%)
Net Premiums Written4,861,0004,617,0005.284,393,0005.10
Balance Sheet Ratios (%)
 2016Y 2015Y 2016/
2015
Ch (bp)
2014Y 2015/
2014
Ch (bp)
Total Equity / Total Assets34.6334.036035.06(103)
Tangible Equity / Tangible Assets34.6334.036035.06(103)
Tangible Common Equity / Tangible Assets34.6334.036035.06(103)
Policy Reserves / Equity (x)1.431.48(5)1.3810
Debt / Total Cap, at Book10.7011.75(105)11.705
Cash & Investments / Assets79.8479.246079.89(65)
Profitability Ratios (%)
 2016Y 2015Y 2016/
2015
Ch (bp)
2014Y 2015/
2014
Ch (bp)
ROAA2.973.37(40)2.8849
ROAE8.579.77(120)8.33144
Operating ROAA2.563.13(56)2.4171
Operating ROAE7.419.08(166)6.98210
Investment Yield4.534.28254.71(43)
Operating Margin13.9517.05(310)13.37368

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  • NASDAQ : CINF
  • 75.93
    Stock Quote ($)
  • Change ($)(0.49)
  • Change (%)(0.64)
  • Volume306,286
As of 10/17/2017 - Minimum 20 minute delay.
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Information and news releases on this site were believed to be accurate as of the date prepared, and Cincinnati Financial disclaims any duty to update them. "Forward looking statements," as defined in securities laws, are intended to fit within the "safe harbor" and are subject to material risk factors that may not be disclosed on this site.