(CNA) CNA Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US1261171003
Stock: Commercial Property, Casualty, Professional Liability, Surety, Marine
Total Rating 34
Risk 58
Buy Signal -1.51
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.89% |
| Yield on Cost 5y | 5.38% |
| Yield CAGR 5y | 4.89% |
| Payout Consistency | 79.5% |
| Payout Ratio | 48.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 18.2% |
| Relative Tail Risk | 2.76% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.11 |
| Alpha | -2.73 |
| Character TTM | |
|---|---|
| Beta | 0.406 |
| Beta Downside | 0.420 |
| Drawdowns 3y | |
|---|---|
| Max DD | 17.51% |
| CAGR/Max DD | 0.54 |
Description: CNA CNA Financial January 04, 2026
CNA Financial Corporation (NYSE:CNA) is a Chicago-based insurance holding company that underwrites commercial property and casualty (P&C) policies in the United States and abroad. Its operations are organized into Specialty, Commercial, International, and Life & Group segments, covering a wide range of professional liability, cyber, workers’ compensation, commercial auto, surety, and marine lines, as well as loss-sensitive programs and run-off long-term care policies.
Key recent metrics: CNA reported a 2023 combined ratio of 96.8% (below the industry median of ~98%), net income of $1.2 billion, and a return on equity of 13.5%, reflecting disciplined underwriting and strong capital discipline. The P&C sector is currently driven by inflation-linked premium growth and elevated catastrophe exposure, while Loews Corporation’s ownership provides CNA with a stable equity base and access to low-cost capital for strategic acquisitions.
For a deeper quantitative dive, you might explore CNA’s valuation metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 997.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 0.20 > 1.0 |
| NWC/Revenue: -14.19% < 20% (prev -16.19%; Δ 1.99% < -1%) |
| CFO/TA 0.04 > 3% & CFO 2.62b > Net Income 997.0m |
| Net Debt (2.99b) to EBITDA (1.46b): 2.04 < 3 |
| Current Ratio: 0.57 > 1.5 & < 3 |
| Outstanding Shares: last quarter (272.3m) vs 12m ago -0.15% < -2% |
| Gross Margin: 30.96% > 18% (prev 0.33%; Δ 3063 % > 0.5%) |
| Asset Turnover: 21.25% > 50% (prev 20.53%; Δ 0.72% > 0%) |
| Interest Coverage Ratio: 10.64 > 6 (EBITDA TTM 1.46b / Interest Expense TTM 131.0m) |
Altman Z'' 0.56
| A: -0.03 (Total Current Assets 2.73b - Total Current Liabilities 4.79b) / Total Assets 69.76b |
| B: 0.14 (Retained Earnings 9.74b / Total Assets 69.76b) |
| C: 0.02 (EBIT TTM 1.39b / Avg Total Assets 68.56b) |
| D: 0.16 (Book Value of Equity 9.21b / Total Liabilities 58.43b) |
| Altman-Z'' Score: 0.56 = B |
Beneish M -2.93
| DSRI: 1.03 (Receivables 10.11b/9.29b, Revenue 14.57b/13.83b) |
| GMI: 1.06 (GM 30.96% / 32.81%) |
| AQI: 1.00 (AQ_t 0.96 / AQ_t-1 0.96) |
| SGI: 1.05 (Revenue 14.57b / 13.83b) |
| TATA: -0.02 (NI 997.0m - CFO 2.62b) / TA 69.76b) |
| Beneish M-Score: -2.93 (Cap -4..+1) = A |
What is the price of CNA shares?
As of February 07, 2026, the stock is trading at USD 49.83 with a total of 434,963 shares traded.
Over the past week, the price has changed by +4.12%, over one month by +6.89%, over three months by +13.87% and over the past year by +4.30%.
Over the past week, the price has changed by +4.12%, over one month by +6.89%, over three months by +13.87% and over the past year by +4.30%.
Is CNA a buy, sell or hold?
CNA Financial has received a consensus analysts rating of 2.00.
Therefor, it is recommend to sell CNA.
- StrongBuy: 0
- Buy: 0
- Hold: 0
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the CNA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 44 | -11.7% |
| Analysts Target Price | 44 | -11.7% |
| ValueRay Target Price | 54.3 | 8.9% |
CNA Fundamental Data Overview February 03, 2026
P/E Trailing = 13.0409
P/S = 0.8723
P/B = 1.1422
P/EG = 4.21
Revenue TTM = 14.57b USD
EBIT TTM = 1.39b USD
EBITDA TTM = 1.46b USD
Long Term Debt = 2.97b USD (from longTermDebt, last quarter)
Short Term Debt = 500.0m USD (from shortTermDebt, last quarter)
Debt = 3.47b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.99b USD (from netDebt column, last quarter)
Enterprise Value = 12.43b USD (12.95b + Debt 3.47b - CCE 3.99b)
Interest Coverage Ratio = 10.64 (Ebit TTM 1.39b / Interest Expense TTM 131.0m)
EV/FCF = 4.92x (Enterprise Value 12.43b / FCF TTM 2.53b)
FCF Yield = 20.33% (FCF TTM 2.53b / Enterprise Value 12.43b)
FCF Margin = 17.35% (FCF TTM 2.53b / Revenue TTM 14.57b)
Net Margin = 6.84% (Net Income TTM 997.0m / Revenue TTM 14.57b)
Gross Margin = 30.96% ((Revenue TTM 14.57b - Cost of Revenue TTM 10.06b) / Revenue TTM)
Gross Margin QoQ = 32.92% (prev 29.76%)
Tobins Q-Ratio = 0.18 (Enterprise Value 12.43b / Total Assets 69.76b)
Interest Expense / Debt = 1.04% (Interest Expense 36.0m / Debt 3.47b)
Taxrate = 21.44% (110.0m / 513.0m)
NOPAT = 1.10b (EBIT 1.39b * (1 - 21.44%))
Current Ratio = 0.57 (Total Current Assets 2.73b / Total Current Liabilities 4.79b)
Debt / Equity = 0.31 (Debt 3.47b / totalStockholderEquity, last quarter 11.32b)
Debt / EBITDA = 2.04 (Net Debt 2.99b / EBITDA 1.46b)
Debt / FCF = 1.18 (Net Debt 2.99b / FCF TTM 2.53b)
Total Stockholder Equity = 10.69b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.45% (Net Income 997.0m / Total Assets 69.76b)
RoE = 9.32% (Net Income TTM 997.0m / Total Stockholder Equity 10.69b)
RoCE = 10.20% (EBIT 1.39b / Capital Employed (Equity 10.69b + L.T.Debt 2.97b))
RoIC = 7.94% (NOPAT 1.10b / Invested Capital 13.79b)
WACC = 6.02% (E(12.95b)/V(16.42b) * Re(7.41%) + D(3.47b)/V(16.42b) * Rd(1.04%) * (1-Tc(0.21)))
Discount Rate = 7.41% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 0.02%
[DCF Debug] Terminal Value 86.43% ; FCFF base≈2.44b ; Y1≈2.59b ; Y5≈3.08b
Fair Price DCF = 313.1 (EV 87.73b - Net Debt 2.99b = Equity 84.74b / Shares 270.7m; r=6.02% [WACC]; 5y FCF grow 6.62% → 2.90% )
EPS Correlation: -15.28 | EPS CAGR: -47.41% | SUE: -4.0 | # QB: 0
Revenue Correlation: 96.41 | Revenue CAGR: 5.62% | SUE: 2.47 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.25 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=4.80 | Chg30d=+0.000 | Revisions Net=+1 | Growth EPS=-5.9% | Growth Revenue=+6.2%
P/S = 0.8723
P/B = 1.1422
P/EG = 4.21
Revenue TTM = 14.57b USD
EBIT TTM = 1.39b USD
EBITDA TTM = 1.46b USD
Long Term Debt = 2.97b USD (from longTermDebt, last quarter)
Short Term Debt = 500.0m USD (from shortTermDebt, last quarter)
Debt = 3.47b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.99b USD (from netDebt column, last quarter)
Enterprise Value = 12.43b USD (12.95b + Debt 3.47b - CCE 3.99b)
Interest Coverage Ratio = 10.64 (Ebit TTM 1.39b / Interest Expense TTM 131.0m)
EV/FCF = 4.92x (Enterprise Value 12.43b / FCF TTM 2.53b)
FCF Yield = 20.33% (FCF TTM 2.53b / Enterprise Value 12.43b)
FCF Margin = 17.35% (FCF TTM 2.53b / Revenue TTM 14.57b)
Net Margin = 6.84% (Net Income TTM 997.0m / Revenue TTM 14.57b)
Gross Margin = 30.96% ((Revenue TTM 14.57b - Cost of Revenue TTM 10.06b) / Revenue TTM)
Gross Margin QoQ = 32.92% (prev 29.76%)
Tobins Q-Ratio = 0.18 (Enterprise Value 12.43b / Total Assets 69.76b)
Interest Expense / Debt = 1.04% (Interest Expense 36.0m / Debt 3.47b)
Taxrate = 21.44% (110.0m / 513.0m)
NOPAT = 1.10b (EBIT 1.39b * (1 - 21.44%))
Current Ratio = 0.57 (Total Current Assets 2.73b / Total Current Liabilities 4.79b)
Debt / Equity = 0.31 (Debt 3.47b / totalStockholderEquity, last quarter 11.32b)
Debt / EBITDA = 2.04 (Net Debt 2.99b / EBITDA 1.46b)
Debt / FCF = 1.18 (Net Debt 2.99b / FCF TTM 2.53b)
Total Stockholder Equity = 10.69b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.45% (Net Income 997.0m / Total Assets 69.76b)
RoE = 9.32% (Net Income TTM 997.0m / Total Stockholder Equity 10.69b)
RoCE = 10.20% (EBIT 1.39b / Capital Employed (Equity 10.69b + L.T.Debt 2.97b))
RoIC = 7.94% (NOPAT 1.10b / Invested Capital 13.79b)
WACC = 6.02% (E(12.95b)/V(16.42b) * Re(7.41%) + D(3.47b)/V(16.42b) * Rd(1.04%) * (1-Tc(0.21)))
Discount Rate = 7.41% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 0.02%
[DCF Debug] Terminal Value 86.43% ; FCFF base≈2.44b ; Y1≈2.59b ; Y5≈3.08b
Fair Price DCF = 313.1 (EV 87.73b - Net Debt 2.99b = Equity 84.74b / Shares 270.7m; r=6.02% [WACC]; 5y FCF grow 6.62% → 2.90% )
EPS Correlation: -15.28 | EPS CAGR: -47.41% | SUE: -4.0 | # QB: 0
Revenue Correlation: 96.41 | Revenue CAGR: 5.62% | SUE: 2.47 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.25 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=4.80 | Chg30d=+0.000 | Revisions Net=+1 | Growth EPS=-5.9% | Growth Revenue=+6.2%