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

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Balance Sheet ($000)
 2016 Q42015 Q4 Y-Y
Ch (%)
2016 Q3 Q-Q
Ch (%)
Cash and Investments16,277,00014,967,0008.7516,342,000(1.59)
Total Reinsurance Assets607,000596,0001.85620,000(8.39)
Total Deferred Policy Acquisition Costs637,000616,0003.41627,0006.38
Intangible Assets000.0000.00
Separate Account Assets766,000748,0002.41790,000(12.15)
Total Assets20,386,00018,888,0007.9320,455,000(1.35)
Total Policy Reserves10,063,0009,502,0005.9010,020,0001.72
Total Debt846,000856,000(1.17)847,000(0.47)
Total Liabilities13,326,00012,461,0006.9413,334,000(0.24)
Total Mezzanine Level Items000.0000.00
Common Equity7,060,0006,427,0009.857,121,000(3.43)
Total Equity7,060,0006,427,0009.857,121,000(3.43)
Shares Outstanding (actual)164,387,000163,944,0000.27164,700,000(0.76)
Income Statement ($000)
 2016 Q42015 Q4 Y-Y
Ch (%)
2016 Q3 Q-Q
Ch (%)
Total Policy Revenue1,192,0001,148,0003.831,191,0000.34
Net Investment Income154,000148,0004.05147,00019.05
Realized Gains(38,000)(38,000)0.0057,000NM
Total Revenue1,312,0001,263,0003.881,402,000(25.68)
Total Policy Expenses809,000677,00019.50753,00029.75
Underwriting & Other Expenses361,000357,0001.12383,000(22.98)
Interest Expense14,00013,0007.6913,00030.77
Total Expenses1,184,0001,047,00013.091,149,00012.18
Provision for Taxes28,00060,000(53.33)73,000(246.58)
Net Income100,000156,000(35.90)180,000(177.78)
Net Income After Taxes100,000156,000(35.90)180,000(177.78)
Per Share Items ($)
 2016 Q42015 Q4 Y-Y
Ch (%)
2016 Q3 Q-Q
Ch (%)
Diluted EPS Before Extraordinary0.600.94(36.17)1.08(177.78)
Diluted EPS After Extraordinary0.600.94(36.17)1.08(177.78)
Operating EPS0.751.10(31.82)0.86(51.16)
Book Value, Excluding FASB 11532.5030.835.4132.371.59
Dividends Declared0.48000.9200(47.83)0.48000.00
Underwriting Performance Ratios (%)
 2016 Q42015 Q4 Y-Y
Ch (bp)
2016 Q3 Q-Q
Ch (bp)
GAAP Loss Ratio65.9056.3096061.00490
GAAP Expense Ratio30.3030.70(40)31.40(110)
GAAP Combined Ratio96.2087.0092092.40380
Underwriting Analysis ($000)
 2016 Q42015 Q4 Y-Y
Ch (%)
2016 Q3 Q-Q
Ch (%)
Net Premiums Written1,135,0001,121,0001.251,242,000(34.46)
Balance Sheet Ratios (%)
 2016 Q42015 Q4 Y-Y
Ch (bp)
2016 Q3 Q-Q
Ch (bp)
Total Equity / Total Assets34.6334.036034.81(18)
Tangible Equity / Tangible Assets34.6334.036034.81(18)
Tangible Common Equity / Tangible Assets34.6334.036034.81(18)
Policy Reserves / Equity (x)1.431.48(5)1.412
Debt / Total Cap, at Book10.7011.75(105)10.637
Cash & Investments / Assets79.8479.246079.89(5)
Profitability Ratios (%)
 2016 Q42015 Q4 Y-Y
Ch (bp)
2016 Q3 Q-Q
Ch (bp)
ROAA1.963.32(136)3.55(159)
ROAE5.649.77(413)10.22(458)
Operating ROAA2.453.87(142)2.82(37)
Operating ROAE7.0511.40(434)8.12(107)
Investment Yield2.842.95(11)5.05(220)
Operating Margin13.3320.52(719)15.54(221)
   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
  • 72.22
    Stock Quote ($)
  • Change ($)(0.28)
  • Change (%)(0.39)
  • Volume41,598
As of 3/29/2017 - Minimum 20 minute delay.
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