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

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Balance Sheet ($000)
 2014 Q12013 Q1 Y-Y
Ch (%)
2013 Q4 Q-Q
Ch (%)
Cash and Investments14,199,00013,417,0005.8313,997,0005.77
Total Reinsurance Assets573,000646,000(11.30)573,0000.00
Total Deferred Policy Acquisition Costs564,000491,00014.87565,000(0.71)
Intangible Assets000.0000.00
Separate Account Assets725,000726,000(0.14)692,00019.08
Total Assets17,942,00017,037,0005.3117,662,0006.34
Total Policy Reserves8,845,0008,425,0004.998,677,0007.74
Total Debt938,000935,0000.32939,000(0.43)
Total Liabilities11,774,00011,252,0004.6411,592,0006.28
Total Mezzanine Level Items000.0000.00
Common Equity6,168,0005,785,0006.626,070,0006.46
Total Equity6,168,0005,785,0006.626,070,0006.46
Shares Outstanding (actual)163,000,000163,000,0000.00163,109,000(0.27)
Income Statement ($000)
 2014 Q12013 Q1 Y-Y
Ch (%)
2013 Q4 Q-Q
Ch (%)
Total Policy Revenue1,027,000931,00010.311,025,0000.78
Net Investment Income135,000128,0005.47143,000(22.38)
Realized Gains22,00041,000(46.34)0NM
Total Revenue1,189,0001,103,0007.801,172,0005.80
Total Policy Expenses732,000568,00028.87664,00040.96
Underwriting & Other Expenses324,000305,0006.23327,000(3.67)
Interest Expense14,00013,0007.6914,0000.00
Total Expenses1,070,000886,00020.771,005,00025.87
Provision for Taxes28,00063,000(55.56)45,000(151.11)
Net Income91,000154,000(40.91)122,000(101.64)
Net Income After Taxes91,000154,000(40.91)122,000(101.64)
Per Share Items ($)
 2014 Q12013 Q1 Y-Y
Ch (%)
2013 Q4 Q-Q
Ch (%)
Diluted EPS Before Extraordinary0.550.94(41.49)0.74(102.70)
Diluted EPS After Extraordinary0.550.94(41.49)0.74(102.70)
Operating EPS0.460.78(41.03)0.72(144.44)
Book Value, Excluding FASB 11528.0126.535.5527.852.21
Dividends Declared0.44000.40757.980.420019.05
Underwriting Performance Ratios (%)
 2014 Q12013 Q1 Y-Y
Ch (bp)
2013 Q4 Q-Q
Ch (bp)
GAAP Loss Ratio69.1059.001,01062.60650
GAAP Expense Ratio31.2032.20(100)31.30(10)
GAAP Combined Ratio100.3091.2091093.90640
Underwriting Analysis ($000)
 2014 Q12013 Q1 Y-Y
Ch (%)
2013 Q4 Q-Q
Ch (%)
Net Premiums Written1,097,0001,030,0006.50970,00052.37
Balance Sheet Ratios (%)
 2014 Q12013 Q1 Y-Y
Ch (bp)
2013 Q4 Q-Q
Ch (bp)
Total Equity / Total Assets34.3833.964234.371
Tangible Equity / Tangible Assets34.3833.964234.371
Tangible Common Equity / Tangible Assets34.3833.964234.371
Policy Reserves / Equity (x)1.431.46(2)1.430
Debt / Total Cap, at Book13.2013.91(71)13.40(20)
Cash & Investments / Assets79.1478.753979.25(11)
Profitability Ratios (%)
 2014 Q12013 Q1 Y-Y
Ch (bp)
2013 Q4 Q-Q
Ch (bp)
Operating ROAA1.733.05(132)2.72(99)
Operating ROAE5.039.11(408)8.01(298)
Investment Yield4.455.11(66)4.1531
Operating Margin9.5117.80(829)15.44(593)
   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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  • 47.90
    Stock Quote ($)
  • Change ($)0.19
  • Change (%)0.40
  • Volume344,944
As of 7/28/2014 - Minimum 20 minute delay.
What's New
Declares Regular Quarterly Cash Dividend
Holds Shareholders’ and Directors’ Meetings
Webcast - Replay
Cincinnati Financial Corporation
Q1 2014 Earnings Conference Call
April 25, 2014 at 11:00a.m. ET
Reports First-Quarter 2014 Results
First-Quarter 2014 Portfolio
Webcast - Replay
Cincinnati Financial Corporation
2014 Annual Meeting of Shareholders
April 26, 2014 at 9:30a.m. ET

Calendar of Events

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