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

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Balance Sheet ($000)
 2018 Q42017 Q4 Y-Y
Ch (%)
2018 Q3 Q-Q
Ch (%)
Cash and Investments17,516,00017,708,000(1.08)18,049,000(11.81)
Total Reinsurance Assets528,000474,00011.39468,00051.28
Total Deferred Policy Acquisition Costs738,000670,00010.15743,000(2.69)
Intangible Assets000.0000.00
Separate Account Assets803,000806,000(0.37)795,0004.03
Total Assets21,935,00021,843,0000.4222,480,000(9.70)
Total Policy Reserves11,002,00010,406,0005.7310,939,0002.30
Total Debt866,000851,0001.76860,0002.79
Total Liabilities14,102,00013,600,0003.6914,146,000(1.24)
Total Mezzanine Level Items000.0000.00
Common Equity7,833,0008,243,000(4.97)8,334,000(24.05)
Total Equity7,833,0008,243,000(4.97)8,334,000(24.05)
Shares Outstanding (actual)162,843,000163,899,000(0.64)162,700,0000.35
Income Statement ($000)
 2018 Q42017 Q4 Y-Y
Ch (%)
2018 Q3 Q-Q
Ch (%)
Total Policy Revenue1,318,0001,258,0004.771,298,0006.16
Net Investment Income152,000162,000(6.17)153,000(2.61)
Realized Gains(765,000)(14,000)5,364.29459,000NM
Total Revenue710,0001,411,000(49.68)1,915,000(251.70)
Total Policy Expenses874,000809,0008.03879,000(2.28)
Underwriting & Other Expenses404,000391,0003.32404,0000.00
Interest Expense13,00014,000(7.14)14,000(28.57)
Total Expenses1,291,0001,214,0006.341,297,000(1.85)
Provision for Taxes(129,000)(445,000)(71.01)65,000NM
Net Income(452,000)642,000NM553,000NM
Net Income After Taxes(452,000)642,000NM553,000NM
Per Share Items ($)
 2018 Q42017 Q4 Y-Y
Ch (%)
2018 Q3 Q-Q
Ch (%)
Diluted EPS Before Extraordinary(2.78)3.88NM3.38NM
Diluted EPS After Extraordinary(2.78)3.88NM3.38NM
Operating EPS0.980.935.380.8466.67
Book Value, Excluding FASB 11547.8733.1744.3451.18(25.84)
Dividends Declared0.53001.0000(47.00)0.53000.00
Underwriting Performance Ratios (%)
 2018 Q42017 Q4 Y-Y
Ch (bp)
2018 Q3 Q-Q
Ch (bp)
GAAP Loss Ratio63.7061.8019065.70(200)
GAAP Expense Ratio30.2031.10(90)31.10(90)
GAAP Combined Ratio93.9092.9010096.80(290)
Underwriting Analysis ($000)
 2018 Q42017 Q4 Y-Y
Ch (%)
2018 Q3 Q-Q
Ch (%)
Net Premiums Written1,258,0001,203,0004.571,318,000(18.21)
Balance Sheet Ratios (%)
 2018 Q42017 Q4 Y-Y
Ch (bp)
2018 Q3 Q-Q
Ch (bp)
Total Equity / Total Assets35.7137.74(203)37.07(136)
Tangible Equity / Tangible Assets35.7137.74(203)37.07(136)
Tangible Common Equity / Tangible Assets35.7137.74(203)37.07(136)
Policy Reserves / Equity (x)1.401.26141.319
Debt / Total Cap, at Book9.969.36609.3560
Cash & Investments / Assets79.8581.07(122)80.29(44)
Profitability Ratios (%)
 2018 Q42017 Q4 Y-Y
Ch (bp)
2018 Q3 Q-Q
Ch (bp)
ROAA(8.14)11.82(1,997)10.00(1,814)
ROAE(22.37)32.58(5,494)27.22(4,959)
Operating ROAA2.862.8252.4839
Operating ROAE7.877.76106.74112
Investment Yield(13.79)3.38(1,717)13.79(2,757)
Operating Margin13.3615.79(243)11.88147
   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
  • 84.66
    Stock Quote ($)
  • Change ($)0.02
  • Change (%)0.02
  • Volume403,082
As of 3/25/2019 - Minimum 20 minute delay.
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