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

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Balance Sheet ($000)
 2016 Q12015 Q1 Y-Y
Ch (%)
2015 Q4 Q-Q
Ch (%)
Cash and Investments15,502,00015,116,0002.5514,967,00014.30
Total Reinsurance Assets582,000568,0002.46596,000(9.40)
Total Deferred Policy Acquisition Costs618,000571,0008.23616,0001.30
Intangible Assets000.0000.00
Separate Account Assets773,000764,0001.18748,00013.37
Total Assets19,447,00018,897,0002.9118,888,00011.84
Total Policy Reserves9,653,0009,246,0004.409,502,0006.36
Total Debt860,000874,000(1.60)856,0001.87
Total Liabilities12,712,00012,289,0003.4412,461,0008.06
Total Mezzanine Level Items000.0000.00
Common Equity6,735,0006,608,0001.926,427,00019.17
Total Equity6,735,0006,608,0001.926,427,00019.17
Shares Outstanding (actual)164,400,000164,300,0000.06163,944,0001.11
Income Statement ($000)
 2016 Q12015 Q1 Y-Y
Ch (%)
2015 Q4 Q-Q
Ch (%)
Total Policy Revenue1,154,0001,094,0005.481,148,0002.09
Net Investment Income145,000140,0003.57148,000(8.11)
Realized Gains61,00046,00032.61(38,000)NM
Total Revenue1,364,0001,285,0006.151,263,00031.99
Total Policy Expenses724,000749,000(3.34)677,00027.77
Underwriting & Other Expenses362,000349,0003.72357,0005.60
Interest Expense13,00013,0000.0013,0000.00
Total Expenses1,099,0001,111,000(1.08)1,047,00019.87
Provision for Taxes77,00046,00067.3960,000113.33
Net Income188,000128,00046.88156,00082.05
Net Income After Taxes188,000128,00046.88156,00082.05
Per Share Items ($)
 2016 Q12015 Q1 Y-Y
Ch (%)
2015 Q4 Q-Q
Ch (%)
Diluted EPS Before Extraordinary1.130.7746.750.9480.85
Diluted EPS After Extraordinary1.130.7746.750.9480.85
Operating EPS0.890.5950.851.10(76.36)
Book Value, Excluding FASB 11531.4729.576.4030.838.20
Dividends Declared0.48000.46004.350.9200(191.30)
Underwriting Performance Ratios (%)
 2016 Q12015 Q1 Y-Y
Ch (bp)
2015 Q4 Q-Q
Ch (bp)
GAAP Loss Ratio60.3066.10(580)56.30400
GAAP Expense Ratio31.1031.40(30)30.7040
GAAP Combined Ratio91.4097.50(610)87.00440
Underwriting Analysis ($000)
 2016 Q12015 Q1 Y-Y
Ch (%)
2015 Q4 Q-Q
Ch (%)
Net Premiums Written1,217,0001,128,0007.891,121,00034.26
Balance Sheet Ratios (%)
 2016 Q12015 Q1 Y-Y
Ch (bp)
2015 Q4 Q-Q
Ch (bp)
Total Equity / Total Assets34.6334.97(34)34.0361
Tangible Equity / Tangible Assets34.6334.97(34)34.0361
Tangible Common Equity / Tangible Assets34.6334.97(34)34.0361
Policy Reserves / Equity (x)1.431.4031.48(5)
Debt / Total Cap, at Book11.3211.68(36)11.75(43)
Cash & Investments / Assets79.7179.99(28)79.2447
Profitability Ratios (%)
 2016 Q12015 Q1 Y-Y
Ch (bp)
2015 Q4 Q-Q
Ch (bp)
ROAA3.922.721203.3261
ROAE11.437.773669.77166
Operating ROAA3.092.061033.87(78)
Operating ROAE9.005.8931111.40(240)
Investment Yield5.414.94462.95246
Operating Margin16.6511.3852720.52(387)
   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
  • 66.01
    Stock Quote ($)
  • Change ($)(0.10)
  • Change (%)(0.15)
  • Volume678,079
As of 4/29/2016 - Minimum 20 minute delay.
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