CNA Stock Analysis: CNA Financial | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 13.843m USD | 12M Return: 19% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 28.0M
EPS Trend: 56.2%
Qual. Beats: -2
Rev. Trend: 98.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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 large-cap U.S. insurance holding company that primarily underwrites commercial property and casualty insurance. It operates through four segments-Specialty, Commercial, International, and Life & Group-serving clients in the United States, Canada, the United Kingdom, Continental Europe, and other international markets.
The company provides a broad range of commercial coverages, including professional liability, directors and officers, errors and omissions, employment practices, fiduciary, fidelity, and cyber liability policies. It also writes healthcare-related professional and general liability, surety and fidelity bonds, warranty and alternative risk products, property and marine insurance, workers compensation, commercial auto, umbrella, and excess and surplus lines. In addition, it offers specialized loss-sensitive insurance programs and runs a run-off long-term care business.
CNA Financial was founded in 1853 and is headquartered in Chicago, Illinois. It trades on the NYSE under the ticker CNA and operates as a controlled subsidiary of Loews Corporation.
As a Property & Casualty insurer within the Financials sector, CNA generates revenue primarily through underwriting premiums on commercial policies and from investment income on its float. Its specialty focus on professional liability and management liability lines distinguishes it from personal-line P&C carriers, and its parent-subsidiary structure with Loews Corporation means major strategic decisions are influenced by its controlling shareholder.
- Specialty segment drives underwriting margin expansion
- Catastrophe losses pressure property combined ratio
- Long-term care run-off reserves continue to release
- Investment portfolio income benefits from higher rates
| Net Income: 1.33b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -0.72 > 1.0 |
| NWC/Revenue: -165.6% < 20% (prev -167.4%; Δ 1.83% < -1%) |
| CFO/TA 0.03 > 3% & CFO 2.25b > Net Income 1.33b |
| Net Debt (-446.0m) to EBITDA (1.75b): -0.26 < 3 |
| Current Ratio: 0.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (270.5m) vs 12m ago -0.77% < -2% |
| Gross Margin: 33.40% > 18% (prev 31.01%; Δ 2.39% > 0.5%) |
| Asset Turnover: 21.81% > 50% (prev 21.06%; Δ 0.75% > 0%) |
| Interest Coverage Ratio: 12.31 > 6 (EBIT TTM 1.67b / Interest Expense TTM 136.0m) |
| A: -0.36 (Total Current Assets 14.0b - Total Current Liabilities 38.6b) / Total Assets 68.6b |
| B: 0.14 (Retained Earnings 9.45b / Total Assets 68.6b) |
| C: 0.02 (EBIT TTM 1.67b / Avg Total Assets 67.9b) |
| D: 0.19 (Book Value of Equity 10.9b / Total Liabilities 57.7b) |
| Altman-Z'' = -1.54 = D |
| DSRI: 0.97 (Receivables 10.6b/10.4b, Revenue 14.8b/14.2b) |
| GMI: 0.93 (GM 31.01% / 33.40%) |
| AQI: 1.01 (AQ_t 0.79 / AQ_t-1 0.78) |
| SGI: 1.05 (Revenue 14.8b / 14.2b) |
| TATA: -0.01 (NI 1.33b - CFO 2.25b) / TA 68.6b) |
| Beneish M = -3.08 (Cap -4..+1) = AA |
As of July 10, 2026, the stock is trading at USD 50.91 with a total of 372,370 shares traded. Over the past week, the price has changed by +2.56%, over one month by +15.86%, over three months by +7.94% and over the past year by +19.01%.
Current recommended Stop Loss: 49.30 (which is 3.2% 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 | 42 | -17.5% |
P/E Trailing = 11.4474
P/E Forward = 10.352
P/S = 0.9017
P/B = 1.275
P/EG = 0.9232
Revenue TTM = 14.8b USD
EBIT TTM = 1.67b USD
EBITDA TTM = 1.75b 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 = -446.0m USD (calculated: Debt 2.97b - CCE 3.42b)
Enterprise Value = 13.4b USD (13.8b + Debt 2.97b - CCE 3.42b)
Interest Coverage Ratio = 12.31 (Ebit TTM 1.67b / Interest Expense TTM 136.0m)
EV/FCF = 6.19x (Enterprise Value 13.4b / FCF TTM 2.16b)
FCF Yield = 16.15% (FCF TTM 2.16b / Enterprise Value 13.4b)
FCF Margin = 14.60% (FCF TTM 2.16b / Revenue TTM 14.8b)
Net Margin = 8.95% (Net Income TTM 1.33b / Revenue TTM 14.8b)
Gross Margin = 33.40% ((Revenue TTM 14.8b - Cost of Revenue TTM 9.87b) / Revenue TTM)
Gross Margin QoQ = 40.85% (prev 30.13%)
Tobins Q-Ratio = 0.20 (Enterprise Value 13.4b / Total Assets 68.6b)
Interest Expense / Debt = 4.58% (Interest Expense 136.0m / Debt 2.97b)
Taxrate = 13.72% (211.0m / 1.54b)
NOPAT = 1.44b (EBIT 1.67b * (1 - 13.72%))
Current Ratio = 0.36 (Total Current Assets 14.0b / Total Current Liabilities 38.6b)
Debt / Equity = 0.27 (Debt 2.97b / totalStockholderEquity, last quarter 10.9b)
Debt / EBITDA = -0.26 (Net Debt -446.0m / EBITDA 1.75b)
Debt / FCF = -0.21 (Net Debt -446.0m / FCF TTM 2.16b)
Total Stockholder Equity = 11.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.95% (Net Income 1.33b / Total Assets 68.6b)
RoE = 11.94% (Net Income TTM 1.33b / Total Stockholder Equity 11.1b)
RoCE = 11.88% (EBIT 1.67b / Capital Employed (Equity 11.1b + L.T.Debt 2.97b))
RoIC = 4.93% (NOPAT 1.44b / Invested Capital 29.3b)
WACC = 5.65% (E(13.8b)/V(16.8b) * Re(6.02%) + D(2.97b)/V(16.8b) * Rd(4.58%) * (1-Tc(0.14)))
Discount Rate = 6.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -34.92 | Cagr: -0.28%
[DCF] Terminal Value 73.10% ; FCFF base≈2.34b ; Y1≈2.05b ; Y5≈1.66b
[DCF] Fair Price = 100.2 (EV 26.6b - Net Debt -446.0m = Equity 27.1b / Shares 270.5m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 56.19 | EPS CAGR: 3.57% | SUE: -2.49 | # QB: -2
Revenue Correlation: 98.72 | Revenue CAGR: 6.35% | SUE: 0.75 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.01 | Chg30d=-6.48% | Revisions=-25% | Analysts=1
EPS next Quarter (2026-09-30): EPS=1.14 | Chg30d=-6.56% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=4.05 | Chg30d=-11.96% | Revisions=-25% | GrowthEPS=-17.8% | GrowthRev=+0.0%
EPS next Year (2027-12-31): EPS=4.80 | Chg30d=N/A | Revisions=+0% | GrowthEPS=+18.5% | GrowthRev=+0.0%