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

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Balance Sheet ($000)
 2018 Q22017 Q2 Y-Y
Ch (%)
2018 Q1 Q-Q
Ch (%)
Cash and Investments17,465,00017,000,0002.7417,325,0003.23
Total Reinsurance Assets459,000580,000(20.86)462,000(2.60)
Total Deferred Policy Acquisition Costs728,000678,0007.37691,00021.42
Intangible Assets000.0000.00
Separate Account Assets792,000790,0000.25803,000(5.48)
Total Assets21,760,00021,238,0002.4621,470,0005.40
Total Policy Reserves10,806,00010,444,0003.4710,544,0009.94
Total Debt889,000843,0005.46853,00016.88
Total Liabilities13,844,00013,865,000(0.15)13,524,0009.46
Total Mezzanine Level Items000.0000.00
Common Equity7,916,0007,373,0007.367,946,000(1.51)
Total Equity7,916,0007,373,0007.367,946,000(1.51)
Shares Outstanding (actual)162,600,000163,900,000(0.79)164,100,000(3.66)
Income Statement ($000)
 2018 Q22017 Q2 Y-Y
Ch (%)
2018 Q1 Q-Q
Ch (%)
Total Policy Revenue1,294,0001,241,0004.271,260,00010.79
Net Investment Income152,000150,0001.33151,0002.65
Realized Gains107,000(10,000)NM(192,000)NM
Total Revenue1,558,0001,386,00012.411,224,000109.15
Total Policy Expenses883,000854,0003.40854,00013.58
Underwriting & Other Expenses398,000391,0001.79407,000(8.85)
Interest Expense13,00013,0000.0013,0000.00
Total Expenses1,294,0001,258,0002.861,274,0006.28
Provision for Taxes47,00028,00067.86(19,000)NM
Net Income217,000100,000117.00(31,000)NM
Net Income After Taxes217,000100,000117.00(31,000)NM
Per Share Items ($)
 2018 Q22017 Q2 Y-Y
Ch (%)
2018 Q1 Q-Q
Ch (%)
Diluted EPS Before Extraordinary1.320.60120.00(0.19)NM
Diluted EPS After Extraordinary1.320.60120.00(0.19)NM
Operating EPS0.810.6426.560.7250.00
Book Value, Excluding FASB 11548.2733.1145.7947.645.34
Dividends Declared0.53000.50006.000.53000.00
Underwriting Performance Ratios (%)
 2018 Q22017 Q2 Y-Y
Ch (bp)
2018 Q1 Q-Q
Ch (bp)
GAAP Loss Ratio66.7067.30(60)66.0070
GAAP Expense Ratio30.5031.00(50)31.90(140)
GAAP Combined Ratio97.2098.30(110)97.90(70)
Underwriting Analysis ($000)
 2018 Q22017 Q2 Y-Y
Ch (%)
2018 Q1 Q-Q
Ch (%)
Net Premiums Written1,426,0001,339,0006.501,327,00029.84
Balance Sheet Ratios (%)
 2018 Q22017 Q2 Y-Y
Ch (bp)
2018 Q1 Q-Q
Ch (bp)
Total Equity / Total Assets36.3834.7216637.01(63)
Tangible Equity / Tangible Assets36.3834.7216637.01(63)
Tangible Common Equity / Tangible Assets36.3834.7216637.01(63)
Policy Reserves / Equity (x)1.371.42(5)1.334
Debt / Total Cap, at Book10.1010.26(16)9.6940
Cash & Investments / Assets80.2680.052280.69(43)
Profitability Ratios (%)
 2018 Q22017 Q2 Y-Y
Ch (bp)
2018 Q1 Q-Q
Ch (bp)
ROAA4.021.91211(0.57)459
ROAE10.945.47548(1.53)1,248
Operating ROAA2.462.04422.2224
Operating ROAE6.715.85865.9378
Investment Yield5.963.33262(0.94)689
Operating Margin11.7210.829010.9577
   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
  • 79.45
    Stock Quote ($)
  • Change ($)0.47
  • Change (%)0.60
  • Volume495,427
As of 9/21/2018 - Minimum 20 minute delay.
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