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

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Balance Sheet ($000)
 2015 Q32014 Q3 Y-Y
Ch (%)
2015 Q2 Q-Q
Ch (%)
Cash and Investments14,845,00014,667,0001.2115,038,000(5.13)
Total Reinsurance Assets581,000577,0000.69563,00012.79
Total Deferred Policy Acquisition Costs609,000590,0003.22600,0006.00
Intangible Assets000.0000.00
Separate Account Assets773,000730,0005.89742,00016.71
Total Assets18,751,00018,474,0001.5018,888,000(2.90)
Total Policy Reserves9,479,0009,047,0004.789,425,0002.29
Total Debt861,000878,000(1.94)872,000(5.05)
Total Liabilities12,401,00012,098,0002.5012,391,0000.32
Total Mezzanine Level Items000.0000.00
Common Equity6,350,0006,376,000(0.41)6,497,000(9.05)
Total Equity6,350,0006,376,000(0.41)6,497,000(9.05)
Shares Outstanding (actual)163,800,000163,000,0000.49164,000,000(0.49)
Income Statement ($000)
 2015 Q32014 Q3 Y-Y
Ch (%)
2015 Q2 Q-Q
Ch (%)
Total Policy Revenue1,127,0001,071,0005.231,111,0005.76
Net Investment Income144,000138,0004.35141,0008.51
Realized Gains2,00065,000(96.92)59,000(386.44)
Total Revenue1,278,0001,280,000(0.16)1,316,000(11.55)
Total Policy Expenses670,000686,000(2.33)712,000(23.60)
Underwriting & Other Expenses351,000322,0009.01343,0009.33
Interest Expense14,00013,0007.6913,00030.77
Total Expenses1,035,0001,021,0001.371,068,000(12.36)
Provision for Taxes69,00076,000(9.21)72,000(16.67)
Net Income174,000183,000(4.92)176,000(4.55)
Net Income After Taxes174,000183,000(4.92)176,000(4.55)
Per Share Items ($)
 2015 Q32014 Q3 Y-Y
Ch (%)
2015 Q2 Q-Q
Ch (%)
Diluted EPS Before Extraordinary1.051.11(5.41)1.06(3.77)
Diluted EPS After Extraordinary1.051.11(5.41)1.06(3.77)
Operating EPS1.040.8522.350.83101.20
Book Value, Excluding FASB 11530.8128.826.8830.217.84
Dividends Declared0.46000.44004.550.46000.00
Underwriting Performance Ratios (%)
 2015 Q32014 Q3 Y-Y
Ch (bp)
2015 Q2 Q-Q
Ch (bp)
GAAP Loss Ratio56.9060.70(380)61.80(490)
GAAP Expense Ratio30.9030.306030.6030
GAAP Combined Ratio87.8091.00(320)92.40(460)
Underwriting Analysis ($000)
 2015 Q32014 Q3 Y-Y
Ch (%)
2015 Q2 Q-Q
Ch (%)
Net Premiums Written1,160,0001,097,0005.741,207,000(15.58)
Balance Sheet Ratios (%)
 2015 Q32014 Q3 Y-Y
Ch (bp)
2015 Q2 Q-Q
Ch (bp)
Total Equity / Total Assets33.8634.51(65)34.40(53)
Tangible Equity / Tangible Assets33.8634.51(65)34.40(53)
Tangible Common Equity / Tangible Assets33.8634.51(65)34.40(53)
Policy Reserves / Equity (x)1.491.4271.454
Debt / Total Cap, at Book11.9412.10(16)11.8311
Cash & Investments / Assets79.1779.39(22)79.62(45)
Profitability Ratios (%)
 2015 Q32014 Q3 Y-Y
Ch (bp)
2015 Q2 Q-Q
Ch (bp)
Operating ROAA3.663.04612.9273
Operating ROAE10.718.811908.42229
Investment Yield3.915.56(166)5.31(140)
Operating Margin19.9817.0429516.07391
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.

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  • 61.08
    Stock Quote ($)
  • Change ($)0.22
  • Change (%)0.36
  • Volume266,084
As of 11/27/2015 - Minimum 20 minute delay.
What's New
Cincinnati Financial Corporation
Q3 2014 Earnings Conference Call

October 29, 2014 at 11:00a.m. ET

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.