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

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Balance Sheet ($000)
 2014 Q42013 Q4 Y-Y
Ch (%)
2014 Q3 Q-Q
Ch (%)
Cash and Investments14,977,00013,997,0007.0014,667,0008.45
Total Reinsurance Assets574,000573,0000.17577,000(2.08)
Total Deferred Policy Acquisition Costs578,000565,0002.30590,000(8.14)
Intangible Assets000.0000.00
Separate Account Assets752,000692,0008.67730,00012.05
Total Assets18,753,00017,662,0006.1818,474,0006.04
Total Policy Reserves9,064,0008,677,0004.469,047,0000.75
Total Debt876,000939,000(6.71)878,000(0.91)
Total Liabilities12,180,00011,592,0005.0712,098,0002.71
Total Mezzanine Level Items000.0000.00
Common Equity6,573,0006,070,0008.296,376,00012.36
Total Equity6,573,0006,070,0008.296,376,00012.36
Shares Outstanding (actual)163,700,000163,109,0000.36163,000,0001.72
Income Statement ($000)
 2014 Q42013 Q4 Y-Y
Ch (%)
2014 Q3 Q-Q
Ch (%)
Total Policy Revenue1,086,0001,025,0005.951,071,0005.60
Net Investment Income142,000138,0002.90138,00011.59
Realized Gains30,0005,000500.0065,000(215.38)
Total Revenue1,262,0001,172,0007.681,280,000(5.62)
Total Policy Expenses675,000664,0001.66686,000(6.41)
Underwriting & Other Expenses338,000327,0003.36322,00019.88
Interest Expense13,00014,000(7.14)13,0000.00
Total Expenses1,026,0001,005,0002.091,021,0001.96
Provision for Taxes69,00045,00053.3376,000(36.84)
Net Income167,000122,00036.89183,000(34.97)
Net Income After Taxes167,000122,00036.89183,000(34.97)
Per Share Items ($)
 2014 Q42013 Q4 Y-Y
Ch (%)
2014 Q3 Q-Q
Ch (%)
Diluted EPS Before Extraordinary1.020.7437.841.11(32.43)
Diluted EPS After Extraordinary1.020.7437.841.11(32.43)
Operating EPS0.890.7223.610.8518.82
Book Value, Excluding FASB 11529.3027.855.1928.826.60
Dividends Declared0.44000.42004.760.44000.00
Underwriting Performance Ratios (%)
 2014 Q42013 Q4 Y-Y
Ch (bp)
2014 Q3 Q-Q
Ch (bp)
GAAP Loss Ratio60.1062.60(250)60.70(60)
GAAP Expense Ratio30.3031.30(100)30.300
GAAP Combined Ratio90.4093.90(350)91.00(60)
Underwriting Analysis ($000)
 2014 Q42013 Q4 Y-Y
Ch (%)
2014 Q3 Q-Q
Ch (%)
Net Premiums Written1,051,000970,0008.351,097,000(16.77)
Balance Sheet Ratios (%)
 2014 Q42013 Q4 Y-Y
Ch (bp)
2014 Q3 Q-Q
Ch (bp)
Total Equity / Total Assets35.0534.376834.5154
Tangible Equity / Tangible Assets35.0534.376834.5154
Tangible Common Equity / Tangible Assets35.0534.376834.5154
Policy Reserves / Equity (x)1.381.43(5)1.42(4)
Debt / Total Cap, at Book11.7613.40(164)12.10(34)
Cash & Investments / Assets79.8679.256279.3947
Profitability Ratios (%)
 2014 Q42013 Q4 Y-Y
Ch (bp)
2014 Q3 Q-Q
Ch (bp)
Operating ROAA3.182.72463.0414
Operating ROAE9.148.011138.8134
Investment Yield4.644.15505.56(92)
Operating Margin17.7815.0826917.0474
   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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  • 52.56
    Stock Quote ($)
  • Change ($)0.26
  • Change (%)0.50
  • Volume411,139
As of 4/24/2015 - Minimum 20 minute delay.
What's New
Cincinnati Financial Corporation
Q3 2014 Earnings Conference Call

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

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