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

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Balance Sheet ($000)
 2015 Q42014 Q4 Y-Y
Ch (%)
2015 Q3 Q-Q
Ch (%)
Cash and Investments14,967,00014,977,000(0.07)14,845,0003.29
Total Reinsurance Assets596,000574,0003.83581,00010.33
Total Deferred Policy Acquisition Costs616,000578,0006.57609,0004.60
Intangible Assets000.0000.00
Separate Account Assets748,000752,000(0.53)773,000(12.94)
Total Assets18,888,00018,748,0000.7518,751,0002.92
Total Policy Reserves9,502,0009,064,0004.839,479,0000.97
Total Debt856,000871,000(1.72)861,000(2.32)
Total Liabilities12,461,00012,175,0002.3512,401,0001.94
Total Mezzanine Level Items000.0000.00
Common Equity6,427,0006,573,000(2.22)6,350,0004.85
Total Equity6,427,0006,573,000(2.22)6,350,0004.85
Shares Outstanding (actual)163,900,000163,700,0000.12163,800,0000.24
Income Statement ($000)
 2015 Q42014 Q4 Y-Y
Ch (%)
2015 Q3 Q-Q
Ch (%)
Total Policy Revenue1,148,0001,086,0005.711,127,0007.45
Net Investment Income150,000142,0005.63144,00016.67
Realized Gains(40,000)30,000NM2,000NM
Total Revenue1,263,0001,262,0000.081,278,000(4.69)
Total Policy Expenses677,000675,0000.30670,0004.18
Underwriting & Other Expenses357,000338,0005.62351,0006.84
Interest Expense13,00013,0000.0014,000(28.57)
Total Expenses1,047,0001,026,0002.051,035,0004.64
Provision for Taxes60,00069,000(13.04)69,000(52.17)
Net Income156,000167,000(6.59)174,000(41.38)
Net Income After Taxes156,000167,000(6.59)174,000(41.38)
Per Share Items ($)
 2015 Q42014 Q4 Y-Y
Ch (%)
2015 Q3 Q-Q
Ch (%)
Diluted EPS Before Extraordinary0.941.02(7.84)1.05(41.90)
Diluted EPS After Extraordinary0.941.02(7.84)1.05(41.90)
Operating EPS1.100.8923.601.0423.08
Book Value, Excluding FASB 115-29.30NA30.81NA
Dividends Declared0.92000.4400109.090.4600400.00
Underwriting Performance Ratios (%)
 2015 Q42014 Q4 Y-Y
Ch (bp)
2015 Q3 Q-Q
Ch (bp)
GAAP Loss Ratio56.3060.10(380)56.90(60)
GAAP Expense Ratio30.7030.304030.90(20)
GAAP Combined Ratio87.0090.40(340)87.80(80)
Underwriting Analysis ($000)
 2015 Q42014 Q4 Y-Y
Ch (%)
2015 Q3 Q-Q
Ch (%)
Net Premiums Written1,121,0001,051,0006.661,160,000(13.45)
Balance Sheet Ratios (%)
 2015 Q42014 Q4 Y-Y
Ch (bp)
2015 Q3 Q-Q
Ch (bp)
Total Equity / Total Assets34.0335.06(103)33.8616
Tangible Equity / Tangible Assets34.0335.06(103)33.8616
Tangible Common Equity / Tangible Assets34.0335.06(103)33.8616
Policy Reserves / Equity (x)1.481.38101.49(1)
Debt / Total Cap, at Book11.7511.70511.94(19)
Cash & Investments / Assets79.2479.89(65)79.177
Profitability Ratios (%)
 2015 Q42014 Q4 Y-Y
Ch (bp)
2015 Q3 Q-Q
Ch (bp)
ROAA3.323.59(27)3.70(38)
ROAE9.7710.32(55)10.84(107)
Operating ROAA3.873.18693.6621
Operating ROAE11.409.1422510.7168
Investment Yield2.954.64(169)3.91(96)
Operating Margin20.6417.7828719.9866
   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
  • 61.24
    Stock Quote ($)
  • Change ($)0.31
  • Change (%)0.51
  • Volume1,171,017
As of 2/9/2016 - Minimum 20 minute delay.
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