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

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Balance Sheet ($000)
 2017 Q42016 Q4 Y-Y
Ch (%)
2017 Q3 Q-Q
Ch (%)
Cash and Investments17,708,00016,277,0008.7917,338,0008.54
Total Reinsurance Assets474,000607,000(21.91)566,000(65.02)
Total Deferred Policy Acquisition Costs670,000637,0005.18676,000(3.55)
Intangible Assets000.0000.00
Separate Account Assets806,000766,0005.22798,0004.01
Total Assets21,843,00020,386,0007.1521,592,0004.65
Total Policy Reserves10,406,00010,063,0003.4110,541,000(5.12)
Total Debt851,000846,0000.59843,0003.80
Total Liabilities13,600,00013,326,0002.0614,069,000(13.33)
Total Mezzanine Level Items000.0000.00
Common Equity8,243,0007,060,00016.767,523,00038.28
Total Equity8,243,0007,060,00016.767,523,00038.28
Shares Outstanding (actual)163,900,000164,387,000(0.30)164,000,000(0.24)
Income Statement ($000)
 2017 Q42016 Q4 Y-Y
Ch (%)
2017 Q3 Q-Q
Ch (%)
Total Policy Revenue1,258,0001,192,0005.541,247,0003.53
Net Investment Income156,000154,0001.30156,0000.00
Realized Gains(8,000)(38,000)(78.95)4,000NM
Total Revenue1,411,0001,312,0007.551,412,000(0.28)
Total Policy Expenses809,000809,0000.00874,000(29.75)
Underwriting & Other Expenses391,000361,0008.31396,000(5.05)
Interest Expense14,00014,0000.0013,00030.77
Total Expenses1,214,0001,184,0002.531,283,000(21.51)
Provision for Taxes(445,000)28,000NM27,000NM
Net Income642,000100,000542.00102,0002,117.65
Net Income After Taxes642,000100,000542.00102,0002,117.65
Per Share Items ($)
 2017 Q42016 Q4 Y-Y
Ch (%)
2017 Q3 Q-Q
Ch (%)
Diluted EPS Before Extraordinary3.880.60546.670.612,144.26
Diluted EPS After Extraordinary3.880.60546.670.612,144.26
Operating EPS0.930.7524.000.58241.38
Book Value, Excluding FASB 115-32.50NA33.26NA
Dividends Declared1.00000.4800108.330.5000400.00
Underwriting Performance Ratios (%)
 2017 Q42016 Q4 Y-Y
Ch (bp)
2017 Q3 Q-Q
Ch (bp)
GAAP Loss Ratio61.8065.90(410)68.40(660)
GAAP Expense Ratio31.1030.308030.9020
GAAP Combined Ratio92.9096.20(330)99.30(640)
Underwriting Analysis ($000)
 2017 Q42016 Q4 Y-Y
Ch (%)
2017 Q3 Q-Q
Ch (%)
Net Premiums Written1,203,0001,135,0005.991,277,000(23.18)
Balance Sheet Ratios (%)
 2017 Q42016 Q4 Y-Y
Ch (bp)
2017 Q3 Q-Q
Ch (bp)
Total Equity / Total Assets37.7434.6331134.84290
Tangible Equity / Tangible Assets37.7434.6331134.84290
Tangible Common Equity / Tangible Assets37.7434.6331134.84290
Policy Reserves / Equity (x)1.261.43(16)1.40(14)
Debt / Total Cap, at Book9.3610.70(134)10.08(72)
Cash & Investments / Assets81.0779.8412380.3077
Profitability Ratios (%)
 2017 Q42016 Q4 Y-Y
Ch (bp)
2017 Q3 Q-Q
Ch (bp)
ROAA11.821.969871.91992
ROAE32.585.642,6945.482,710
Operating ROAA2.822.45371.81101
Operating ROAE7.767.05715.21255
Investment Yield3.382.84533.73(35)
Operating Margin15.4313.332109.80563
   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
  • 74.92
    Stock Quote ($)
  • Change ($)(0.62)
  • Change (%)(0.82)
  • Volume396,993
As of 2/22/2018 - Minimum 20 minute delay.
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