(CNA) CNA Financial - Overview
Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 11.993m USD | Total Return: -3.7% in 12m
Avg Turnover: 20.9M
EPS Trend: 56.2%
Qual. Beats: -1
Rev. Trend: 98.7%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
CNA Financial Corporation is a Chicago-based insurance holding company and a subsidiary of Loews Corporation. The firm specializes in commercial property and casualty (P&C) insurance, operating across North America and Europe. Its portfolio includes professional liability, specialty lines for healthcare and legal sectors, surety bonds, and workers compensation.
The company utilizes a diversified business model that balances standard commercial lines with high-margin specialty products. In the P&C sector, profitability is largely driven by the combined ratio, which measures incurred losses and expenses against earned premiums. As a major provider of professional liability, CNA manages complex risks for architects, engineers, and fiduciary entities.
Investors can evaluate the firms specific underwriting performance and valuation metrics on ValueRay. Founded in 1853, CNA maintains a significant international footprint while managing a legacy run-off long-term care segment.
- Commercial property and casualty pricing cycles impact underwriting profitability and premium growth
- Investment income yields fluctuate based on Federal Reserve interest rate policy
- Catastrophe loss exposure from extreme weather events pressures quarterly net income
- Long-term care legacy liabilities create reserve volatility and capital allocation risks
- Specialized professional liability demand from mid-market firms drives core specialty segment margins
| 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 (1.64b): -0.27 < 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 0.31%; Δ 3.31k% > 0.5%) |
| Asset Turnover: 21.81% > 50% (prev 21.06%; Δ 0.75% > 0%) |
| Interest Coverage Ratio: 11.55 > 6 (EBITDA TTM 1.64b / 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 1.57b / Avg Total Assets 67.9b) |
| D: 0.15 (Book Value of Equity 8.78b / Total Liabilities 57.7b) |
| Altman-Z'' = -1.58 = D |
| DSRI: 0.97 (Receivables 10.6b/10.4b, Revenue 14.8b/14.2b) |
| GMI: 0.93 (GM 33.40% / 31.01%) |
| 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 = -3.09 (Cap -4..+1) = AA |
As of May 26, 2026, the stock is trading at USD 44.05 with a total of 400,600 shares traded.
Over the past week, the price has changed by +1.85%,
over one month by -7.21%,
over three months by -6.29% and
over the past year by -3.67%.
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 | -4.7% |
P/E Trailing = 9.9172
P/E Forward = 10.352
P/S = 0.7811
P/B = 1.1071
P/EG = 0.9232
Revenue TTM = 14.8b USD
EBIT TTM = 1.57b USD
EBITDA TTM = 1.64b 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 = 11.5b USD (12.0b + Debt 2.97b - CCE 3.42b)
Interest Coverage Ratio = 11.55 (Ebit TTM 1.57b / Interest Expense TTM 136.0m)
EV/FCF = 5.34x (Enterprise Value 11.5b / FCF TTM 2.16b)
FCF Yield = 18.74% (FCF TTM 2.16b / Enterprise Value 11.5b)
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 = 0.17 (Enterprise Value 11.5b / Total Assets 68.6b)
Interest Expense / Debt = 4.58% (Interest Expense 136.0m / Debt 2.97b)
Taxrate = 20.97% (56.0m / 267.0m)
NOPAT = 1.24b (EBIT 1.57b * (1 - 20.97%))
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 = -0.27 (Net Debt -446.0m / EBITDA 1.64b)
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 = 11.15% (EBIT 1.57b / Capital Employed (Equity 11.1b + L.T.Debt 2.97b))
RoIC = 4.19% (NOPAT 1.24b / Invested Capital 29.6b)
WACC = 5.74% (E(12.0b)/V(15.0b) * Re(6.27%) + D(2.97b)/V(15.0b) * Rd(4.58%) * (1-Tc(0.21)))
Discount Rate = 6.27% (= 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: -2.54 | # QB: -1
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=-20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=1.14 | Chg30d=-6.56% | Revisions=-20% | Analysts=1
EPS current Year (2026-12-31): EPS=4.05 | Chg30d=-11.96% | Revisions=-20% | GrowthEPS=-17.8% | GrowthRev=+0.0%
EPS next Year (2027-12-31): EPS=4.80 | Chg30d=N/A | Revisions=N/A | GrowthEPS=+18.5% | GrowthRev=+0.0%