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

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Balance Sheet ($000)
 2017 Q32016 Q3 Y-Y
Ch (%)
2017 Q2 Q-Q
Ch (%)
Cash and Investments17,338,00016,342,0006.0917,000,0007.95
Total Reinsurance Assets566,000620,000(8.71)580,000(9.66)
Total Deferred Policy Acquisition Costs676,000627,0007.81678,000(1.18)
Intangible Assets000.0000.00
Separate Account Assets798,000790,0001.01790,0004.05
Total Assets21,592,00020,455,0005.5621,238,0006.67
Total Policy Reserves10,541,00010,020,0005.2010,444,0003.72
Total Debt843,000847,000(0.47)843,0000.00
Total Liabilities14,069,00013,334,0005.5113,865,0005.89
Total Mezzanine Level Items000.0000.00
Common Equity7,523,0007,121,0005.657,373,0008.14
Total Equity7,523,0007,121,0005.657,373,0008.14
Shares Outstanding (actual)164,000,000164,700,000(0.43)163,900,0000.24
Income Statement ($000)
 2017 Q32016 Q3 Y-Y
Ch (%)
2017 Q2 Q-Q
Ch (%)
Total Policy Revenue1,247,0001,191,0004.701,241,0001.93
Net Investment Income156,000147,0006.12150,00016.00
Realized Gains4,00057,000(92.98)(10,000)NM
Total Revenue1,412,0001,402,0000.711,386,0007.50
Total Policy Expenses874,000753,00016.07854,0009.37
Underwriting & Other Expenses396,000383,0003.39391,0005.12
Interest Expense13,00013,0000.0013,0000.00
Total Expenses1,283,0001,149,00011.661,258,0007.95
Provision for Taxes27,00073,000(63.01)28,000(14.29)
Net Income102,000180,000(43.33)100,0008.00
Net Income After Taxes102,000180,000(43.33)100,0008.00
Per Share Items ($)
 2017 Q32016 Q3 Y-Y
Ch (%)
2017 Q2 Q-Q
Ch (%)
Diluted EPS Before Extraordinary0.611.08(43.52)0.606.67
Diluted EPS After Extraordinary0.611.08(43.52)0.606.67
Operating EPS0.580.86(32.56)0.64(37.50)
Book Value, Excluding FASB 11533.2632.372.7233.111.74
Dividends Declared0.50000.48004.170.50000.00
Underwriting Performance Ratios (%)
 2017 Q32016 Q3 Y-Y
Ch (bp)
2017 Q2 Q-Q
Ch (bp)
GAAP Loss Ratio68.4061.0074067.30110
GAAP Expense Ratio30.9031.40(50)31.00(10)
GAAP Combined Ratio99.3092.4069098.30100
Underwriting Analysis ($000)
 2017 Q32016 Q3 Y-Y
Ch (%)
2017 Q2 Q-Q
Ch (%)
Net Premiums Written1,277,0001,242,0002.821,339,000(18.52)
Balance Sheet Ratios (%)
 2017 Q32016 Q3 Y-Y
Ch (bp)
2017 Q2 Q-Q
Ch (bp)
Total Equity / Total Assets34.8434.81334.7213
Tangible Equity / Tangible Assets34.8434.81334.7213
Tangible Common Equity / Tangible Assets34.8434.81334.7213
Policy Reserves / Equity (x)1.401.41(1)1.42(2)
Debt / Total Cap, at Book10.0810.63(55)10.26(18)
Cash & Investments / Assets80.3079.894180.0525
Profitability Ratios (%)
 2017 Q32016 Q3 Y-Y
Ch (bp)
2017 Q2 Q-Q
Ch (bp)
ROAA1.913.55(164)1.910
ROAE5.4810.22(474)5.471
Operating ROAA1.812.82(101)2.04(23)
Operating ROAE5.218.12(291)5.85(64)
Investment Yield3.735.05(132)3.3340
Operating Margin9.8015.54(574)10.82(102)
   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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  • NASDAQ : CINF
  • 73.46
    Stock Quote ($)
  • Change ($)(0.13)
  • Change (%)(0.18)
  • Volume2,565,790
As of 11/17/2017 - Minimum 20 minute delay.
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