CNA FINANCIAL CORP (CNA)
US1261171003 - Common Stock
Overall CNA gets a fundamental rating of 5 out of 10. We evaluated CNA against 141 industry peers in the Insurance industry. CNA has a medium profitability rating, but doesn't score so well on its financial health evaluation. CNA has a decent growth rate and is not valued too expensively.
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.
In the past 5 years CNA has always been profitable.
In the past 5 years CNA always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of CNA (1.86%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 12.18%, CNA is in line with its industry, outperforming 58.99% of the companies in the same industry.
CNA has a Return On Invested Capital (2.09%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for CNA is below the industry average of 4.12%.
The last Return On Invested Capital (2.09%) for CNA is above the 3 year average (1.76%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.86% | ||
| ROE | 12.18% | ||
| ROIC | 2.09% |
ROA(3y)1.59%
ROA(5y)1.5%
ROE(3y)9.8%
ROE(5y)8.6%
ROIC(3y)1.76%
ROIC(5y)1.68%
1.3 Margins
CNA's Profit Margin of 9.06% is fine compared to the rest of the industry. CNA outperforms 61.87% of its industry peers.
In the last couple of years the Profit Margin of CNA has grown nicely.
CNA has a Operating Margin (12.37%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of CNA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.37% | ||
| PM (TTM) | 9.06% | ||
| GM | N/A |
OM growth 3Y12.34%
OM growth 5Y2.27%
PM growth 3Y12.38%
PM growth 5Y2.51%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CNA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, CNA has about the same amount of shares outstanding.
CNA has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for CNA is higher compared to a year ago.
2.2 Solvency
CNA has a debt to FCF ratio of 1.38. This is a very positive value and a sign of high solvency as it would only need 1.38 years to pay back of all of its debts.
CNA has a Debt to FCF ratio of 1.38. This is in the better half of the industry: CNA outperforms 63.31% of its industry peers.
CNA has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.25, CNA is in the better half of the industry, outperforming 70.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.38 | ||
| Altman-Z | N/A |
ROIC/WACC0.26
WACC8.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.34% over the past year.
The Earnings Per Share has been growing by 8.66% on average over the past years. This is quite good.
Looking at the last year, CNA shows a quite strong growth in Revenue. The Revenue has grown by 11.95% in the last year.
The Revenue has been growing slightly by 5.54% on average over the past years.
EPS 1Y (TTM)22.34%
EPS 3Y20.38%
EPS 5Y8.66%
EPS growth Q2Q31.68%
Revenue 1Y (TTM)11.95%
Revenue growth 3Y7.16%
Revenue growth 5Y5.54%
Revenue growth Q2Q12.73%
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 6.48% on average per year.
The Revenue is expected to grow by 7.10% on average over the next years.
EPS Next Y8.99%
EPS Next 2Y6.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.25%
Revenue Next 2Y7.1%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.27, the valuation of CNA can be described as very reasonable.
Based on the Price/Earnings ratio, CNA is valued a bit cheaper than 65.47% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.20, CNA is valued rather cheaply.
CNA is valuated reasonably with a Price/Forward Earnings ratio of 8.51.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CNA indicates a somewhat cheap valuation: CNA is cheaper than 66.19% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of CNA to the average of the S&P500 Index (21.63), we can say CNA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.27 | ||
| Fwd PE | 8.51 |
4.2 Price Multiples
CNA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CNA is cheaper than 67.63% of the companies in the same industry.
CNA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CNA is cheaper than 67.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.39 | ||
| EV/EBITDA | 8.45 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.03
PEG (5Y)1.07
EPS Next 2Y6.48%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CNA has a Yearly Dividend Yield of 4.06%, which is a nice return.
CNA's Dividend Yield is rather good when compared to the industry average which is at 4.35. CNA pays more dividend than 82.01% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, CNA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
5.2 History
The dividend of CNA decreases each year by -2.55%.
CNA has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-2.55%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
CNA pays out 65.31% of its income as dividend. This is not a sustainable payout ratio.
DP65.31%
EPS Next 2Y6.48%
EPS Next 3YN/A
CNA FINANCIAL CORP
NYSE:CNA (4/25/2024, 7:04:00 PM)
After market: 43.66 0 (0%)43.66
-0.57 (-1.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap11.83B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.27 | ||
| Fwd PE | 8.51 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.03
PEG (5Y)1.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.86% | ||
| ROE | 12.18% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 12.37% | ||
| PM (TTM) | 9.06% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)22.34%
EPS 3Y20.38%
EPS 5Y
EPS growth Q2Q
EPS Next Y8.99%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)11.95%
Revenue growth 3Y7.16%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y