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

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Balance Sheet ($000)
 2020 Q12019 Q1 Y-Y
Ch (%)
2019 Q4 Q-Q
Ch (%)
Cash and Investments18,362,00018,666,000(1.63)20,513,000(41.94)
Total Reinsurance Assets624,000577,0008.15664,000(24.10)
Total Deferred Policy Acquisition Costs827,000751,00010.12774,00027.39
Intangible Assets000.0000.00
Separate Account Assets858,000831,0003.25882,000(10.88)
Total Assets23,367,00023,352,0000.0625,408,000(32.13)
Total Policy Reserves11,989,00011,445,0004.7511,770,0007.44
Total Debt960,000877,0009.46885,00033.90
Total Liabilities15,325,00014,722,0004.1015,544,000(5.64)
Total Mezzanine Level Items000.0000.00
Common Equity8,042,0008,630,000(6.81)9,864,000(73.88)
Total Equity8,042,0008,630,000(6.81)9,864,000(73.88)
Shares Outstanding (actual)160,800,000163,200,000(1.47)162,918,000(5.20)
Income Statement ($000)
 2020 Q12019 Q1 Y-Y
Ch (%)
2019 Q4 Q-Q
Ch (%)
Total Policy Revenue1,456,0001,333,0009.231,441,0004.16
Net Investment Income168,000162,0003.70163,00012.27
Realized Gains(1,728,000)658,000NM542,000NM
Total Revenue(99,000)2,159,000NM2,152,000NM
Total Policy Expenses1,003,000860,00016.63910,00040.88
Underwriting & Other Expenses461,000419,00010.02448,00011.61
Interest Expense13,00013,0000.0013,0000.00
Total Expenses1,477,0001,292,00014.321,371,00030.93
Provision for Taxes(350,000)172,000NM155,000NM
Net Income(1,226,000)695,000NM626,000NM
Net Income After Taxes(1,226,000)695,000NM626,000NM
Per Share Items ($)
 2020 Q12019 Q1 Y-Y
Ch (%)
2019 Q4 Q-Q
Ch (%)
Diluted EPS Before Extraordinary(7.56)4.22NM3.79NM
Diluted EPS After Extraordinary(7.56)4.22NM3.79NM
Operating EPS0.841.05(20.00)1.23(126.83)
Book Value, Excluding FASB 11548.7051.48(5.39)57.68(62.27)
Dividends Declared0.60000.56007.140.560028.57
Underwriting Performance Ratios (%)
 2020 Q12019 Q1 Y-Y
Ch (bp)
2019 Q4 Q-Q
Ch (bp)
GAAP Loss Ratio66.9062.3046060.80610
GAAP Expense Ratio31.6030.709030.8080
GAAP Combined Ratio98.5093.0055091.60690
Underwriting Analysis ($000)
 2020 Q12019 Q1 Y-Y
Ch (%)
2019 Q4 Q-Q
Ch (%)
Net Premiums Written1,595,0001,453,0009.771,393,00058.00
Balance Sheet Ratios (%)
 2020 Q12019 Q1 Y-Y
Ch (bp)
2019 Q4 Q-Q
Ch (bp)
Total Equity / Total Assets34.4236.96(254)38.82(441)
Tangible Equity / Tangible Assets34.4236.96(254)38.82(441)
Tangible Common Equity / Tangible Assets34.4236.96(254)38.82(441)
Policy Reserves / Equity (x)1.491.33161.1930
Debt / Total Cap, at Book10.669.221448.23243
Cash & Investments / Assets78.5879.93(135)80.73(215)
Profitability Ratios (%)
 2020 Q12019 Q1 Y-Y
Ch (bp)
2019 Q4 Q-Q
Ch (bp)
ROAA(20.11)12.28(3,239)9.99(3,009)
ROAE(54.77)33.77(8,855)26.04(8,081)
Operating ROAA2.253.04(79)3.24(99)
Operating ROAE6.128.36(224)8.44(232)
Investment Yield(32.10)18.13(5,023)13.97(4,608)
Operating Margin10.1314.79(466)15.65(552)
   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
  • 67.17
    Stock Quote ($)
  • Change ($)(1.97)
  • Change (%)(2.85)
  • Volume621,784
As of 7/9/2020 - Minimum 20 minute delay.
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