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

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Balance Sheet ($000)
 2014 Q22013 Q2 Y-Y
Ch (%)
2014 Q1 Q-Q
Ch (%)
Cash and Investments14,522,00013,315,0009.0614,199,0009.10
Total Reinsurance Assets552,000608,000(9.21)573,000(14.66)
Total Deferred Policy Acquisition Costs571,000546,0004.58564,0004.96
Intangible Assets000.0000.00
Separate Account Assets731,000713,0002.52725,0003.31
Total Assets18,335,00017,034,0007.6417,942,0008.76
Total Policy Reserves9,008,0008,576,0005.048,845,0007.37
Total Debt880,000937,000(6.08)938,000(24.73)
Total Liabilities11,992,00011,335,0005.8011,774,0007.41
Total Mezzanine Level Items000.0000.00
Common Equity6,343,0005,699,00011.306,168,00011.35
Total Equity6,343,0005,699,00011.306,168,00011.35
Shares Outstanding (actual)164,000,000164,000,0000.00163,000,0002.45
Income Statement ($000)
 2014 Q22013 Q2 Y-Y
Ch (%)
2014 Q1 Q-Q
Ch (%)
Total Policy Revenue1,059,000954,00011.011,027,00012.46
Net Investment Income136,000131,0003.82135,0002.96
Realized Gains14,00014,0000.0022,000(145.45)
Total Revenue1,214,0001,104,0009.961,189,0008.41
Total Policy Expenses763,000631,00020.92732,00016.94
Underwriting & Other Expenses331,000311,0006.43324,0008.64
Interest Expense13,00014,000(7.14)14,000(28.57)
Total Expenses1,107,000956,00015.791,070,00013.83
Provision for Taxes23,00038,000(39.47)28,000(71.43)
Net Income84,000110,000(23.64)91,000(30.77)
Net Income After Taxes84,000110,000(23.64)91,000(30.77)
Per Share Items ($)
 2014 Q22013 Q2 Y-Y
Ch (%)
2014 Q1 Q-Q
Ch (%)
Diluted EPS Before Extraordinary0.510.66(22.73)0.55(29.09)
Diluted EPS After Extraordinary0.510.66(22.73)0.55(29.09)
Operating EPS0.460.61(24.59)0.460.00
Book Value, Excluding FASB 11527.9726.824.3028.01(0.52)
Dividends Declared0.44000.40757.980.44000.00
Underwriting Performance Ratios (%)
 2014 Q22013 Q2 Y-Y
Ch (bp)
2014 Q1 Q-Q
Ch (bp)
GAAP Loss Ratio70.2064.0062069.10110
GAAP Expense Ratio30.7032.40(170)31.20(50)
GAAP Combined Ratio100.9096.40450100.3060
Underwriting Analysis ($000)
 2014 Q22013 Q2 Y-Y
Ch (%)
2014 Q1 Q-Q
Ch (%)
Net Premiums Written1,148,0001,046,0009.751,097,00018.60
Balance Sheet Ratios (%)
 2014 Q22013 Q2 Y-Y
Ch (bp)
2014 Q1 Q-Q
Ch (bp)
Total Equity / Total Assets34.6033.4611434.3822
Tangible Equity / Tangible Assets34.6033.4611434.3822
Tangible Common Equity / Tangible Assets34.6033.4611434.3822
Policy Reserves / Equity (x)1.421.50(8)1.43(1)
Debt / Total Cap, at Book12.1814.12(194)13.20(102)
Cash & Investments / Assets79.2078.1710479.147
Profitability Ratios (%)
 2014 Q22013 Q2 Y-Y
Ch (bp)
2014 Q1 Q-Q
Ch (bp)
Operating ROAA1.652.35(69)1.73(8)
Operating ROAE4.806.97(217)5.03(24)
Investment Yield4.184.34(16)4.45(28)
Operating Margin8.8313.58(474)9.51(68)
   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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  • 48.07
    Stock Quote ($)
  • Change ($)0.92
  • Change (%)1.95
  • Volume259,006
As of 10/21/2014 - Minimum 20 minute delay.
What's New
Cincinnati Financial Corporation
Q3 2014 Earnings Conference Call

October 29, 2014 at 11:00a.m. ET

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