CNA FINANCIAL CORP (CNA) Stock Fundamental Analysis

NYSE:CNA • US1261171003

49.97 USD
+0.82 (+1.67%)
At close: Feb 20, 2026
49.97 USD
0 (0%)
After Hours: 2/20/2026, 4:10:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

CNA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. There are concerns on the financial health of CNA while its profitability can be described as average. CNA has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year CNA was profitable.
  • In the past year CNA had a positive cash flow from operations.
  • Each year in the past 5 years CNA has been profitable.
  • Each year in the past 5 years CNA had a positive operating cash flow.
CNA Yearly Net Income VS EBIT VS OCF VS FCFCNA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

1.2 Ratios

  • CNA's Return On Assets of 1.84% is in line compared to the rest of the industry. CNA outperforms 48.99% of its industry peers.
  • CNA has a Return On Equity of 11.00%. This is comparable to the rest of the industry: CNA outperforms 50.34% of its industry peers.
Industry RankSector Rank
ROA 1.84%
ROE 11%
ROIC N/A
ROA(3y)1.71%
ROA(5y)1.61%
ROE(3y)10.77%
ROE(5y)9.9%
ROIC(3y)N/A
ROIC(5y)N/A
CNA Yearly ROA, ROE, ROICCNA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of CNA (8.53%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of CNA has grown nicely.
  • CNA has a Operating Margin of 11.71%. This is comparable to the rest of the industry: CNA outperforms 46.31% of its industry peers.
  • CNA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 11.71%
PM (TTM) 8.53%
GM N/A
OM growth 3Y14.52%
OM growth 5Y6.06%
PM growth 3Y14.09%
PM growth 5Y5.96%
GM growth 3YN/A
GM growth 5YN/A
CNA Yearly Profit, Operating, Gross MarginsCNA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • CNA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CNA has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CNA has about the same amount of shares outstanding.
  • The debt/assets ratio for CNA has been reduced compared to a year ago.
CNA Yearly Shares OutstandingCNA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
CNA Yearly Total Debt VS Total AssetsCNA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of CNA is 1.24, which is an excellent value as it means it would take CNA, only 1.24 years of fcf income to pay off all of its debts.
  • CNA's Debt to FCF ratio of 1.24 is fine compared to the rest of the industry. CNA outperforms 65.77% of its industry peers.
  • CNA has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
  • CNA has a better Debt to Equity ratio (0.26) than 62.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACCN/A
WACC7.76%
CNA Yearly LT Debt VS Equity VS FCFCNA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CNA Yearly Current Assets VS Current LiabilitesCNA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.07% over the past year.
  • CNA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.75% yearly.
  • Looking at the last year, CNA shows a small growth in Revenue. The Revenue has grown by 5.04% in the last year.
  • Measured over the past years, CNA shows a small growth in Revenue. The Revenue has been growing by 6.76% on average per year.
EPS 1Y (TTM)2.07%
EPS 3Y8.52%
EPS 5Y12.75%
EPS Q2Q%-7.2%
Revenue 1Y (TTM)5.04%
Revenue growth 3Y8.06%
Revenue growth 5Y6.76%
Sales Q2Q%29.08%

3.2 Future

  • Based on estimates for the next years, CNA will show a small growth in Earnings Per Share. The EPS will grow by 6.26% on average per year.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-1.46%
EPS Next 2Y6.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.78%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CNA Yearly Revenue VS EstimatesCNA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5B 10B
CNA Yearly EPS VS EstimatesCNA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • CNA is valuated reasonably with a Price/Earnings ratio of 10.16.
  • CNA's Price/Earnings ratio is a bit cheaper when compared to the industry. CNA is cheaper than 60.40% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CNA to the average of the S&P500 Index (27.09), we can say CNA is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.31, the valuation of CNA can be described as reasonable.
  • CNA's Price/Forward Earnings ratio is in line with the industry average.
  • CNA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.98.
Industry RankSector Rank
PE 10.16
Fwd PE 10.31
CNA Price Earnings VS Forward Price EarningsCNA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 60.40% of the companies in the same industry are more expensive than CNA, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, CNA is valued a bit cheaper than the industry average as 68.46% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.63
EV/EBITDA 8.68
CNA Per share dataCNA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.8
EPS Next 2Y6.26%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • CNA has a Yearly Dividend Yield of 3.94%. Purely for dividend investing, there may be better candidates out there.
  • CNA's Dividend Yield is a higher than the industry average which is at 2.67.
  • CNA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 3.94%

5.2 History

  • The dividend of CNA has a limited annual growth rate of 1.98%.
  • CNA has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of CNA decreased recently.
Dividend Growth(5Y)1.98%
Div Incr Years1
Div Non Decr Years1
CNA Yearly Dividends per shareCNA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • CNA pays out 81.92% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of CNA is growing, but earnings are growing more, so the dividend growth is sustainable.
DP81.92%
EPS Next 2Y6.26%
EPS Next 3YN/A
CNA Yearly Income VS Free CF VS DividendCNA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
CNA Dividend Payout.CNA Dividend Payout, showing the Payout Ratio.CNA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CNA FINANCIAL CORP

NYSE:CNA (2/20/2026, 4:10:04 PM)

After market: 49.97 0 (0%)

49.97

+0.82 (+1.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-09
Earnings (Next)05-04
Inst Owners100.17%
Inst Owner Change0.06%
Ins Owners0.42%
Ins Owner Change-0.02%
Market Cap13.53B
Revenue(TTM)14.99B
Net Income(TTM)1.28B
Analysts48
Price Target35.96 (-28.04%)
Short Float %0.69%
Short Ratio4.11
Dividend
Industry RankSector Rank
Dividend Yield 3.94%
Yearly Dividend3.87
Dividend Growth(5Y)1.98%
DP81.92%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-23
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.89%
Min EPS beat(2)-14.29%
Max EPS beat(2)12.51%
EPS beat(4)2
Avg EPS beat(4)3.47%
Min EPS beat(4)-14.29%
Max EPS beat(4)26.2%
EPS beat(8)3
Avg EPS beat(8)0.65%
EPS beat(12)5
Avg EPS beat(12)2.08%
EPS beat(16)7
Avg EPS beat(16)2.27%
Revenue beat(2)0
Avg Revenue beat(2)-11.91%
Min Revenue beat(2)-12.19%
Max Revenue beat(2)-11.64%
Revenue beat(4)0
Avg Revenue beat(4)-11.96%
Min Revenue beat(4)-12.81%
Max Revenue beat(4)-11.21%
Revenue beat(8)1
Avg Revenue beat(8)-12.03%
Revenue beat(12)2
Avg Revenue beat(12)-12.62%
Revenue beat(16)5
Avg Revenue beat(16)-3.59%
PT rev (1m)-1.4%
PT rev (3m)-1.4%
EPS NQ rev (1m)17.54%
EPS NQ rev (3m)17.54%
EPS NY rev (1m)4.08%
EPS NY rev (3m)7.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.16
Fwd PE 10.31
P/S 0.9
P/FCF 5.63
P/OCF 5.43
P/B 1.16
P/tB 1.18
EV/EBITDA 8.68
EPS(TTM)4.92
EY9.85%
EPS(NY)4.85
Fwd EY9.7%
FCF(TTM)8.88
FCFY17.77%
OCF(TTM)9.2
OCFY18.41%
SpS55.38
BVpS42.93
TBVpS42.39
PEG (NY)N/A
PEG (5Y)0.8
Graham Number68.94
Profitability
Industry RankSector Rank
ROA 1.84%
ROE 11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 11.71%
PM (TTM) 8.53%
GM N/A
FCFM 16.04%
ROA(3y)1.71%
ROA(5y)1.61%
ROE(3y)10.77%
ROE(5y)9.9%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)2.38%
ROCE(5y)2.21%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y14.52%
OM growth 5Y6.06%
PM growth 3Y14.09%
PM growth 5Y5.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.24
Debt/EBITDA 1.63
Cap/Depr 122.86%
Cap/Sales 0.57%
Interest Coverage 13.6
Cash Conversion 136.44%
Profit Quality 188.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC7.76%
ROIC/WACCN/A
Cap/Depr(3y)129.31%
Cap/Depr(5y)107.61%
Cap/Sales(3y)0.64%
Cap/Sales(5y)0.51%
Profit Quality(3y)209.48%
Profit Quality(5y)230.83%
High Growth Momentum
Growth
EPS 1Y (TTM)2.07%
EPS 3Y8.52%
EPS 5Y12.75%
EPS Q2Q%-7.2%
EPS Next Y-1.46%
EPS Next 2Y6.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.04%
Revenue growth 3Y8.06%
Revenue growth 5Y6.76%
Sales Q2Q%29.08%
Revenue Next Year17.78%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y30.58%
EBIT growth 3Y23.75%
EBIT growth 5Y13.23%
EBIT Next Year63.8%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-2.91%
FCF growth 3Y-0.63%
FCF growth 5Y6.53%
OCF growth 1Y-3.15%
OCF growth 3Y-0.16%
OCF growth 5Y7%

CNA FINANCIAL CORP / CNA FAQ

What is the ChartMill fundamental rating of CNA FINANCIAL CORP (CNA) stock?

ChartMill assigns a fundamental rating of 4 / 10 to CNA.


What is the valuation status of CNA FINANCIAL CORP (CNA) stock?

ChartMill assigns a valuation rating of 5 / 10 to CNA FINANCIAL CORP (CNA). This can be considered as Fairly Valued.


What is the profitability of CNA stock?

CNA FINANCIAL CORP (CNA) has a profitability rating of 4 / 10.


What are the PE and PB ratios of CNA FINANCIAL CORP (CNA) stock?

The Price/Earnings (PE) ratio for CNA FINANCIAL CORP (CNA) is 10.16 and the Price/Book (PB) ratio is 1.16.


What is the financial health of CNA FINANCIAL CORP (CNA) stock?

The financial health rating of CNA FINANCIAL CORP (CNA) is 3 / 10.