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

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Balance Sheet ($000)
 2015 Q12014 Q1 Y-Y
Ch (%)
2014 Q4 Q-Q
Ch (%)
Cash and Investments15,116,00014,199,0006.4614,977,0003.71
Total Reinsurance Assets568,000573,000(0.87)574,000(4.18)
Total Deferred Policy Acquisition Costs571,000564,0001.24578,000(4.84)
Intangible Assets000.0000.00
Separate Account Assets764,000725,0005.38752,0006.38
Total Assets18,897,00017,942,0005.3218,753,0003.07
Total Policy Reserves9,246,0008,845,0004.539,064,0008.03
Total Debt874,000938,000(6.82)876,000(0.91)
Total Liabilities12,289,00011,774,0004.3712,180,0003.58
Total Mezzanine Level Items000.0000.00
Common Equity6,608,0006,168,0007.136,573,0002.13
Total Equity6,608,0006,168,0007.136,573,0002.13
Shares Outstanding (actual)164,300,000163,000,0000.80163,700,0001.47
Income Statement ($000)
 2015 Q12014 Q1 Y-Y
Ch (%)
2014 Q4 Q-Q
Ch (%)
Total Policy Revenue1,094,0001,027,0006.521,086,0002.95
Net Investment Income140,000139,0000.72142,000(5.63)
Realized Gains46,00018,000155.5630,000213.33
Total Revenue1,285,0001,189,0008.071,262,0007.29
Total Policy Expenses749,000732,0002.32675,00043.85
Underwriting & Other Expenses349,000324,0007.72338,00013.02
Interest Expense13,00014,000(7.14)13,0000.00
Total Expenses1,111,0001,070,0003.831,026,00033.14
Provision for Taxes46,00028,00064.2969,000(133.33)
Net Income128,00091,00040.66167,000(93.41)
Net Income After Taxes128,00091,00040.66167,000(93.41)
Per Share Items ($)
 2015 Q12014 Q1 Y-Y
Ch (%)
2014 Q4 Q-Q
Ch (%)
Diluted EPS Before Extraordinary0.770.5540.001.02(98.04)
Diluted EPS After Extraordinary0.770.5540.001.02(98.04)
Operating EPS0.590.4628.260.89(134.83)
Book Value, Excluding FASB 11529.5728.015.6029.303.77
Dividends Declared0.46000.44004.550.440018.18
Underwriting Performance Ratios (%)
 2015 Q12014 Q1 Y-Y
Ch (bp)
2014 Q4 Q-Q
Ch (bp)
GAAP Loss Ratio66.1069.10(300)60.10600
GAAP Expense Ratio31.4031.202030.30110
GAAP Combined Ratio97.50100.30(280)90.40710
Underwriting Analysis ($000)
 2015 Q12014 Q1 Y-Y
Ch (%)
2014 Q4 Q-Q
Ch (%)
Net Premiums Written1,128,0001,097,0002.831,051,00029.31
Balance Sheet Ratios (%)
 2015 Q12014 Q1 Y-Y
Ch (bp)
2014 Q4 Q-Q
Ch (bp)
Total Equity / Total Assets34.9734.385935.05(8)
Tangible Equity / Tangible Assets34.9734.385935.05(8)
Tangible Common Equity / Tangible Assets34.9734.385935.05(8)
Policy Reserves / Equity (x)1.401.43(3)1.382
Debt / Total Cap, at Book11.6813.20(152)11.76(8)
Cash & Investments / Assets79.9979.148579.8613
Profitability Ratios (%)
 2015 Q12014 Q1 Y-Y
Ch (bp)
2014 Q4 Q-Q
Ch (bp)
Operating ROAA2.061.73333.18(112)
Operating ROAE5.895.03859.14(326)
Investment Yield4.944.45494.6430
Operating Margin11.389.8215617.78(640)
   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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  • 52.40
    Stock Quote ($)
  • Change ($)(0.14)
  • Change (%)(0.27)
  • Volume577,696
As of 7/2/2015 - 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.