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

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Balance Sheet ($000)
 2021 Q22020 Q2 Y-Y
Ch (%)
2021 Q1 Q-Q
Ch (%)
Cash and Investments24,064,00020,193,00019.1722,965,00019.14
Total Reinsurance Assets609,000619,000(1.62)579,00020.73
Total Deferred Policy Acquisition Costs924,000834,00010.79880,00020.00
Intangible Assets000.0000.00
Separate Account Assets952,000911,0004.50929,0009.90
Total Assets29,677,00025,450,00016.6128,313,00019.27
Total Policy Reserves13,416,00012,451,0007.7513,081,00010.24
Total Debt907,000967,000(6.20)905,0000.88
Total Liabilities17,819,00016,192,00010.0517,175,00015.00
Total Mezzanine Level Items000.0000.00
Common Equity11,858,0009,258,00028.0811,138,00025.86
Total Equity11,858,0009,258,00028.0811,138,00025.86
Shares Outstanding (actual)161,100,000160,800,0000.19161,000,0000.25
Income Statement ($000)
 2021 Q22020 Q2 Y-Y
Ch (%)
2021 Q1 Q-Q
Ch (%)
Total Policy Revenue1,593,0001,482,0007.491,544,00012.69
Net Investment Income686,0001,226,000(44.05)675,0006.52
Realized Gains9,0000NM3,000800.00
Total Revenue2,295,0002,714,000(15.44)2,227,00012.21
Total Policy Expenses915,0001,086,000(15.75)1,003,000(35.09)
Underwriting & Other Expenses495,000469,0005.54443,00046.95
Interest Expense13,00014,000(7.14)13,0000.00
Total Expenses1,423,0001,569,000(9.31)1,459,000(9.87)
Provision for Taxes169,000236,000(28.39)148,00056.76
Net Income703,000909,000(22.66)620,00053.55
Net Income After Taxes703,000909,000(22.66)620,00053.55
Per Share Items ($)
 2021 Q22020 Q2 Y-Y
Ch (%)
2021 Q1 Q-Q
Ch (%)
Diluted EPS Before Extraordinary4.315.63(23.45)3.8251.31
Diluted EPS After Extraordinary4.315.63(23.45)3.8251.31
Operating EPS1.790.44306.821.37122.63
Book Value, Excluding FASB 11568.8853.7828.0865.1123.21
Dividends Declared0.63000.60005.000.63000.00
Underwriting Performance Ratios (%)
 2021 Q22020 Q2 Y-Y
Ch (bp)
2021 Q1 Q-Q
Ch (bp)
GAAP Loss Ratio54.8071.80(1,700)62.60(780)
GAAP Expense Ratio30.7031.30(60)28.60210
GAAP Combined Ratio85.50103.10(1,760)91.20(570)
Underwriting Analysis ($000)
 2021 Q22020 Q2 Y-Y
Ch (%)
2021 Q1 Q-Q
Ch (%)
Net Premiums Written1,799,0001,644,0009.431,780,0004.27
Balance Sheet Ratios (%)
 2021 Q22020 Q2 Y-Y
Ch (bp)
2021 Q1 Q-Q
Ch (bp)
Total Equity / Total Assets39.9636.3835839.3462
Tangible Equity / Tangible Assets39.9636.3835839.3462
Tangible Common Equity / Tangible Assets39.9636.3835839.3462
Policy Reserves / Equity (x)1.131.34(21)1.17(4)
Debt / Total Cap, at Book7.119.46(235)7.51(41)
Cash & Investments / Assets81.0979.3417481.11(2)
Profitability Ratios (%)
 2021 Q22020 Q2 Y-Y
Ch (bp)
2021 Q1 Q-Q
Ch (bp)
ROAA9.7014.90(520)8.8882
ROAE24.4642.03(1,758)22.62184
Operating ROAA4.031.162863.1885
Operating ROAE10.163.286888.10206
Investment Yield11.8225.44(1,362)11.95(12)
Operating Margin38.3242.70(438)34.98334
   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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  • NASDAQGS : CINF
  • 117.71
    Stock Quote ($)
  • Change ($)4.01
  • Change (%)3.53
  • Volume852,797
As of 7/29/2021 - Minimum 20 minute delay.
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