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

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Balance Sheet ($000)
 2015Y 2014Y 2015/
2014
Ch (%)
2013Y 2014/
2013
Ch (%)
Cash and Investments14,967,00014,977,000(0.07)13,997,0007.00
Total Reinsurance Assets596,000574,0003.83573,0000.17
Total Deferred Policy Acquisition Costs616,000578,0006.57565,0002.30
Intangible Assets000.0000.00
Separate Account Assets748,000752,000(0.53)692,0008.67
Total Assets18,888,00018,748,0000.7517,657,0006.18
Total Policy Reserves9,502,0009,064,0004.838,677,0004.46
Total Debt856,000871,000(1.72)934,000(6.75)
Total Liabilities12,461,00012,175,0002.3511,587,0005.07
Total Mezzanine Level Items000.0000.00
Common Equity6,427,0006,573,000(2.22)6,070,0008.29
Total Equity6,427,0006,573,000(2.22)6,070,0008.29
Shares Outstanding (actual)163,944,000163,747,0000.12163,109,0000.39
Income Statement ($000)
 2015Y 2014Y 2015/
2014
Ch (%)
2013Y 2014/
2013
Ch (%)
Total Policy Revenue4,480,0004,243,0005.593,902,0008.74
Net Investment Income573,000552,0003.80535,0003.18
Realized Gains69,000130,000(46.92)77,00068.83
Total Revenue5,142,0004,945,0003.984,531,0009.14
Total Policy Expenses2,808,0002,856,000(1.68)2,505,00014.01
Underwriting & Other Expenses1,400,0001,315,0006.461,258,0004.53
Interest Expense53,00053,0000.0054,000(1.85)
Total Expenses4,261,0004,224,0000.883,817,00010.66
Provision for Taxes247,000196,00026.02197,000(0.51)
Net Income634,000525,00020.76517,0001.55
Net Income After Taxes634,000525,00020.76517,0001.55
Per Share Items ($)
 2015Y 2014Y 2015/
2014
Ch (%)
2013Y 2014/
2013
Ch (%)
Diluted EPS Before Extraordinary3.833.1820.443.121.92
Diluted EPS After Extraordinary3.833.1820.443.121.92
Operating EPS3.562.6633.832.80(5.00)
Book Value, Excluding FASB 11530.8329.295.2727.855.16
Dividends Declared2.30001.760030.681.65506.34
Underwriting Performance Ratios (%)
 2015Y 2014Y 2015/
2014
Ch (bp)
2013Y 2014/
2013
Ch (bp)
GAAP Loss Ratio60.2065.00(480)61.90310
GAAP Expense Ratio30.9030.603031.90(130)
GAAP Combined Ratio91.1095.60(450)93.80180
Underwriting Analysis ($000)
 2015Y 2014Y 2015/
2014
Ch (%)
2013Y 2014/
2013
Ch (%)
Net Premiums Written4,617,0004,393,0005.104,134,0006.27
Balance Sheet Ratios (%)
 2015Y 2014Y 2015/
2014
Ch (bp)
2013Y 2014/
2013
Ch (bp)
Total Equity / Total Assets34.0335.06(103)34.3868
Tangible Equity / Tangible Assets34.0335.06(103)34.3868
Tangible Common Equity / Tangible Assets34.0335.06(103)34.3868
Policy Reserves / Equity (x)1.481.38101.43(5)
Debt / Total Cap, at Book11.7511.70513.34(163)
Cash & Investments / Assets79.2479.89(65)79.2761
Profitability Ratios (%)
 2015Y 2014Y 2015/
2014
Ch (bp)
2013Y 2014/
2013
Ch (bp)
ROAA3.372.88493.02(14)
ROAE9.778.331448.97(64)
Operating ROAA3.132.41712.70(29)
Operating ROAE9.086.982108.03(105)
Investment Yield4.284.71(43)4.5517
Operating Margin17.0513.3736815.51(214)

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  • NASDAQ : CINF
  • 66.21
    Stock Quote ($)
  • Change ($)(0.45)
  • Change (%)(0.67)
  • Volume60,644
As of 5/6/2016 - Minimum 20 minute delay.
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