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

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Balance Sheet ($000)
 2014Y 2013Y 2014/
2013
Ch (%)
2012Y 2013/
2012
Ch (%)
Cash and Investments14,977,00013,997,0007.0013,021,0007.50
Total Reinsurance Assets574,000573,0000.17641,000(10.61)
Total Deferred Policy Acquisition Costs578,000565,0002.30470,00020.21
Intangible Assets000.0000.00
Separate Account Assets752,000692,0008.67734,000(5.72)
Total Assets18,753,00017,662,0006.1816,548,0006.73
Total Policy Reserves9,064,0008,677,0004.468,317,0004.33
Total Debt876,000939,000(6.71)931,0000.86
Total Liabilities12,180,00011,592,0005.0711,095,0004.48
Total Mezzanine Level Items000.0000.00
Common Equity6,573,0006,070,0008.295,453,00011.31
Total Equity6,573,0006,070,0008.295,453,00011.31
Shares Outstanding (actual)163,700,000163,109,0000.36162,874,0000.14
Income Statement ($000)
 2014Y 2013Y 2014/
2013
Ch (%)
2012Y 2013/
2012
Ch (%)
Total Policy Revenue4,243,0003,902,0008.743,522,00010.79
Net Investment Income552,000535,0003.18533,0000.38
Realized Gains130,00077,00068.8340,00092.50
Total Revenue4,945,0004,531,0009.144,111,00010.22
Total Policy Expenses2,856,0002,505,00014.012,322,0007.88
Underwriting & Other Expenses1,315,0001,258,0004.531,169,0007.61
Interest Expense53,00054,000(1.85)54,0000.00
Total Expenses4,224,0003,817,00010.663,545,0007.67
Provision for Taxes196,000197,000(0.51)145,00035.86
Net Income525,000517,0001.55421,00022.80
Net Income After Taxes525,000517,0001.55421,00022.80
Per Share Items ($)
 2014Y 2013Y 2014/
2013
Ch (%)
2012Y 2013/
2012
Ch (%)
Diluted EPS Before Extraordinary3.183.121.922.5721.40
Diluted EPS After Extraordinary3.183.121.922.5721.40
Operating EPS2.662.80(5.00)2.4016.67
Book Value, Excluding FASB 11529.3027.855.1925.947.37
Dividends Declared1.76001.65506.341.62002.16
Underwriting Performance Ratios (%)
 2014Y 2013Y 2014/
2013
Ch (bp)
2012Y 2013/
2012
Ch (bp)
GAAP Loss Ratio65.0061.9031063.90(200)
GAAP Expense Ratio30.6031.90(130)32.20(30)
GAAP Combined Ratio95.6093.8018096.10(230)
Underwriting Analysis ($000)
 2014Y 2013Y 2014/
2013
Ch (%)
2012Y 2013/
2012
Ch (%)
Net Premiums Written4,393,0004,134,0006.273,730,00010.83
Balance Sheet Ratios (%)
 2014Y 2013Y 2014/
2013
Ch (bp)
2012Y 2013/
2012
Ch (bp)
Total Equity / Total Assets35.0534.376832.95141
Tangible Equity / Tangible Assets35.0534.376832.95141
Tangible Common Equity / Tangible Assets35.0534.376832.95141
Policy Reserves / Equity (x)1.381.43(5)1.53(10)
Debt / Total Cap, at Book11.7613.40(164)14.58(119)
Cash & Investments / Assets79.8679.256278.6956
Profitability Ratios (%)
 2014Y 2013Y 2014/
2013
Ch (bp)
2012Y 2013/
2012
Ch (bp)
ROAA2.883.02(14)2.6041
ROAE8.338.97(64)8.0493
Operating ROAA2.412.70(29)2.4327
Operating ROAE6.988.03(105)7.5053
Investment Yield4.714.55174.532
Operating Margin13.3715.51(214)14.25127

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  • NASDAQ : CINF
  • 55.35
    Stock Quote ($)
  • Change ($)0.14
  • Change (%)0.25
  • Volume646,278
As of 8/3/2015 - Minimum 20 minute delay.
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