CNA FINANCIAL CORP (CNA) Fundamental Analysis & Valuation

NYSE:CNA • US1261171003

Current stock price

47.41 USD
+0.92 (+1.98%)
At close:
47.41 USD
0 (0%)
After Hours:

This CNA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CNA Profitability Analysis

1.1 Basic Checks

  • CNA had positive earnings in the past year.
  • CNA had a positive operating cash flow in the past year.
  • 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

  • The Return On Assets of CNA (1.84%) is comparable to the rest of the industry.
  • The Return On Equity of CNA (11.00%) is comparable to the rest of the industry.
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

  • Looking at the Profit Margin, with a value of 8.53%, CNA is in line with its industry, outperforming 53.38% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CNA has grown nicely.
  • The Operating Margin of CNA (11.71%) is comparable to the rest of the industry.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. CNA Health Analysis

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

  • CNA has a debt to FCF ratio of 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
  • CNA's Debt to FCF ratio of 1.24 is fine compared to the rest of the industry. CNA outperforms 62.84% 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.
  • Looking at the Debt to Equity ratio, with a value of 0.26, CNA is in the better half of the industry, outperforming 60.14% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACCN/A
WACC7.93%
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

More info and screens

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

3

3. CNA Growth Analysis

3.1 Past

  • CNA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.07%.
  • 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.
  • The Revenue has been growing slightly by 6.76% on average over the past years.
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-6.6%
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

  • 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.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

5

4. CNA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.64 indicates a reasonable valuation of CNA.
  • Based on the Price/Earnings ratio, CNA is valued a bit cheaper than 60.81% of the companies in the same industry.
  • CNA is valuated cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
  • CNA is valuated reasonably with a Price/Forward Earnings ratio of 10.32.
  • CNA's Price/Forward Earnings is on the same level as the industry average.
  • CNA is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.64
Fwd PE 10.32
CNA Price Earnings VS Forward Price EarningsCNA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • CNA's Enterprise Value to EBITDA is on the same level as the industry average.
  • CNA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CNA is cheaper than 65.54% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.34
EV/EBITDA 8.29
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)0.76
EPS Next 2Y6.26%
EPS Next 3YN/A

More info and screens

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

6

5. CNA Dividend Analysis

5.1 Amount

  • CNA has a Yearly Dividend Yield of 4.28%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.55, CNA pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, CNA pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.28%

5.2 History

  • The dividend of CNA has a limited annual growth rate of 1.98%.
  • CNA has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CNA has decreased its dividend in the last 3 years.
Dividend Growth(5Y)1.98%
Div Incr Years2
Div Non Decr Years2
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

More info and screens

Find the best dividend stocksShow peers with best dividend

CNA Fundamentals: All Metrics, Ratios and Statistics

CNA FINANCIAL CORP

NYSE:CNA (4/8/2026, 8:24:31 PM)

After market: 47.41 0 (0%)

47.41

+0.92 (+1.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-09
Earnings (Next)05-04
Inst Owners100.24%
Inst Owner Change0%
Ins Owners0.42%
Ins Owner Change0.05%
Market Cap12.83B
Revenue(TTM)14.99B
Net Income(TTM)1.28B
Analysts48
Price Target28.22 (-40.48%)
Short Float %0.74%
Short Ratio4.14
Dividend
Industry RankSector Rank
Dividend Yield 4.28%
Yearly Dividend3.87
Dividend Growth(5Y)1.98%
DP81.92%
Div Incr Years2
Div Non Decr Years2
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)0%
PT rev (3m)-22.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.93%
Valuation
Industry RankSector Rank
PE 9.64
Fwd PE 10.32
P/S 0.86
P/FCF 5.34
P/OCF 5.15
P/B 1.1
P/tB 1.12
EV/EBITDA 8.29
EPS(TTM)4.92
EY10.38%
EPS(NY)4.6
Fwd EY9.69%
FCF(TTM)8.88
FCFY18.73%
OCF(TTM)9.2
OCFY19.4%
SpS55.38
BVpS42.93
TBVpS42.39
PEG (NY)N/A
PEG (5Y)0.76
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
WACC7.93%
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-6.6%
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 Year40.07%
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 Fundamental Analysis 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.


How profitable is CNA FINANCIAL CORP (CNA) stock?

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


Can you provide the expected EPS growth for CNA stock?

The Earnings per Share (EPS) of CNA FINANCIAL CORP (CNA) is expected to decline by -6.6% in the next year.


Is the dividend of CNA FINANCIAL CORP sustainable?

The dividend rating of CNA FINANCIAL CORP (CNA) is 6 / 10 and the dividend payout ratio is 81.92%.