CNA Stock Analysis: CNA Financial | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 12.540m USD | 12M Return: 8.4% | US1261171003 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 27.7M
EPS Trend: 24.8%
Qual. Beats: 0
Rev. Trend: 99.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
CNA Financial Corporation is a Chicago-based insurance holding company founded in 1853 and listed on the NYSE under the ticker CNA. It is a subsidiary of Loews Corporation and operates primarily as a commercial property and casualty (P&C) insurer, with a diversified geographic footprint spanning the United States, Canada, the United Kingdom, Continental Europe, and other international markets. The company reports its results through four segments: Specialty, Commercial, International, and Life & Group.
Its product portfolio spans a broad range of commercial lines, including professional liability coverage for architects, accountants, lawyers, and real estate agents; management liability products such as directors and officers, errors and omissions, employment practices, fiduciary, fidelity, and cyber coverages; healthcare industry liability; surety and fidelity bonds; and warranty and alternative risk products. CNA also writes traditional property and casualty lines-covering marine, boiler and machinery, workers compensation, commercial auto, umbrella, and excess and surplus risks-and offers loss-sensitive insurance programs with total risk management services. In addition, it maintains a run-off long-term care business.
Within the U.S. Financials sector, CNA operates in the Property & Casualty Insurance sub-industry, a category that includes carriers underwriting commercial and personal lines of coverage. Like many established P&C insurers, CNA uses a holding company structure, which allows its operating subsidiaries to write insurance while the parent oversees capital allocation, investments, and segment strategy.
- Specialty segment pricing lifts underwriting margins
- Catastrophe losses pressure combined ratio outlook
- Higher interest rates boost investment income
| Net Income: 1.35b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -0.48 > 1.0 |
| NWC/Revenue: -243.1% < 20% (prev -169.4%; Δ -73.69% < -1%) |
| CFO/TA 0.03 > 3% & CFO 2.33b > Net Income 1.35b |
| Net Debt (913.0m) to EBITDA (1.78b): 0.51 < 3 |
| Current Ratio: 0.05 > 1.5 & < 3 |
| Outstanding Shares: last quarter (271.7m) vs 12m ago -0.18% < -2% |
| Gross Margin: 34.45% > 18% (prev 30.28%; Δ 4.18% > 0.5%) |
| Asset Turnover: 21.63% > 50% (prev 20.85%; Δ 0.78% > 0%) |
| Interest Coverage Ratio: 12.33 > 6 (EBIT TTM 1.70b / Interest Expense TTM 138.0m) |
| A: -0.52 (Total Current Assets 2.06b - Total Current Liabilities 38.6b) / Total Assets 69.9b |
| B: 0.14 (Retained Earnings 9.64b / Total Assets 69.9b) |
| C: 0.02 (EBIT TTM 1.70b / Avg Total Assets 69.4b) |
| D: 0.19 (Book Value of Equity 11.2b / Total Liabilities 58.7b) |
| Altman-Z'' = -2.61 = D |
| DSRI: 0.37 (Receivables 4.20b/10.9b, Revenue 15.0b/14.4b) |
| GMI: 0.88 (GM 30.28% / 34.45%) |
| AQI: 1.23 (AQ_t 0.97 / AQ_t-1 0.78) |
| SGI: 1.04 (Revenue 15.0b / 14.4b) |
| TATA: -0.01 (NI 1.35b - CFO 2.33b) / TA 69.9b) |
| Beneish M = -3.49 (Cap -4..+1) = AA |
As of October 09, 2026, the stock is trading at USD 46.69 with a total of 389,976 shares traded. Over the past week, the price has changed by +1.77%, over one month by -2.26%, over three months by -8.37% and over the past year by +8.36%.
Current recommended Stop Loss: 45.30 (which is 3% or 1.5 ATR below the current price).
CNA Financial has received a consensus analysts rating of 2.00. Therefore, it is recommended to sell CNA.
- StrongBuy: 0
- Buy: 0
- Hold: 0
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 49 | 4.9% |
P/E Trailing = 10.207
P/E Forward = 10.352
P/S = 0.8276
P/B = 1.1396
P/EG = 0.9232
Revenue TTM = 15.0b USD
EBIT TTM = 1.70b USD
EBITDA TTM = 1.78b USD
Long Term Debt = 2.97b USD (from longTermDebt, last quarter)
Short Term Debt = 34.0m USD (from shortTermDebt, last fiscal year)
Debt = 2.97b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 913.0m USD (calculated: Debt 2.97b - CCE 2.06b)
Enterprise Value = 13.5b USD (12.5b + Debt 2.97b - CCE 2.06b)
Interest Coverage Ratio = 12.33 (Ebit TTM 1.70b / Interest Expense TTM 138.0m)
EV/FCF = 5.97x (Enterprise Value 13.5b / FCF TTM 2.25b)
FCF Yield = 16.76% (FCF TTM 2.25b / Enterprise Value 13.5b)
FCF Margin = 15.02% (FCF TTM 2.25b / Revenue TTM 15.0b)
Net Margin = 8.99% (Net Income TTM 1.35b / Revenue TTM 15.0b)
Gross Margin = 34.45% ((Revenue TTM 15.0b - Cost of Revenue TTM 9.84b) / Revenue TTM)
Gross Margin QoQ = 34.06% (prev 40.85%)
Tobins Q-Ratio = 0.19 (Enterprise Value 13.5b / Total Assets 69.9b)
Interest Expense / Debt = 4.64% (Interest Expense 138.0m / Debt 2.97b)
Taxrate = 2.94% (46.0m / 1.56b)
NOPAT = 1.65b (EBIT 1.70b * (1 - 2.94%))
Current Ratio = 0.05 (Total Current Assets 2.06b / Total Current Liabilities 38.6b)
Debt / Equity = 0.27 (Debt 2.97b / totalStockholderEquity, last quarter 11.2b)
Debt / EBITDA = 0.51 (Net Debt 913.0m / EBITDA 1.78b)
Debt / FCF = 0.40 (Net Debt 913.0m / FCF TTM 2.25b)
Total Stockholder Equity = 11.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.94% (Net Income 1.35b / Total Assets 69.9b)
RoE = 11.99% (Net Income TTM 1.35b / Total Stockholder Equity 11.2b)
RoCE = 11.96% (EBIT 1.70b / Capital Employed (Equity 11.2b + L.T.Debt 2.97b))
RoIC = 2.53% (NOPAT 1.65b / Invested Capital 65.4b)
WACC = 5.10% (E(12.5b)/V(15.5b) * Re(5.24%) + D(2.97b)/V(15.5b) * Rd(4.64%) * (1-Tc(0.03)))
Discount Rate = 5.24% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -72.98 | Cagr: -0.16%
[DCF] Terminal Value 73.68% ; FCFF base≈2.37b ; Y1≈2.15b ; Y5≈1.85b
[DCF] Fair Price = 105.6 (EV 29.5b - Net Debt 913.0m = Equity 28.6b / Shares 270.6m; r=8.35% [WACC [floored]]; 5y FCF grow -11.67% → 2.50% )
EPS Correlation: 24.79 | EPS CAGR: 1.05% | SUE: 0.66 | # QB: 0
Revenue Correlation: 99.13 | Revenue CAGR: 5.74% | SUE: 0.80 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.19 | Chg30d=+4.39% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=4.30 | Chg30d=+6.17% | Revisions=+25% | GrowthEPS=-12.8% | GrowthRev=+0.0%
EPS next Year (2027-12-31): EPS=4.80 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+11.6% | GrowthRev=+0.0%