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CNA FINANCIAL CORP (CNA) Stock Fundamental Analysis

NYSE:CNA - New York Stock Exchange, Inc. - US1261171003 - Common Stock - Currency: USD

45.58  -0.23 (-0.5%)

Fundamental Rating

3

CNA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 144 industry peers in the Insurance industry. CNA may be in some trouble as it scores bad on both profitability and health. CNA has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CNA had positive earnings in the past year.
CNA had a positive operating cash flow in the past year.
In the past 5 years CNA has always been profitable.
CNA had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

1.2 Ratios

CNA has a Return On Assets (1.33%) which is in line with its industry peers.
With a Return On Equity value of 8.71%, CNA perfoms like the industry average, outperforming 45.14% of the companies in the same industry.
CNA's Return On Invested Capital of 1.50% is in line compared to the rest of the industry. CNA outperforms 45.14% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CNA is below the industry average of 4.08%.
Industry RankSector Rank
ROA 1.33%
ROE 8.71%
ROIC 1.5%
ROA(3y)1.47%
ROA(5y)1.46%
ROE(3y)9.76%
ROE(5y)8.79%
ROIC(3y)1.62%
ROIC(5y)1.58%
CNA Yearly ROA, ROE, ROICCNA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 6.19%, CNA perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
In the last couple of years the Profit Margin of CNA has declined.
CNA has a Operating Margin (8.74%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of CNA has declined.
Industry RankSector Rank
OM 8.74%
PM (TTM) 6.19%
GM N/A
OM growth 3Y-10.7%
OM growth 5Y-6.14%
PM growth 3Y-12.24%
PM growth 5Y-6.19%
GM growth 3YN/A
GM growth 5YN/A
CNA Yearly Profit, Operating, Gross MarginsCNA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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3

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CNA is destroying value.
CNA has about the same amout of shares outstanding than it did 1 year ago.
CNA has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, CNA has an improved debt to assets ratio.
CNA Yearly Shares OutstandingCNA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
CNA Yearly Total Debt VS Total AssetsCNA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

The Debt to FCF ratio of CNA is 1.14, which is an excellent value as it means it would take CNA, only 1.14 years of fcf income to pay off all of its debts.
CNA's Debt to FCF ratio of 1.14 is fine compared to the rest of the industry. CNA outperforms 60.42% of its industry peers.
A Debt/Equity ratio of 0.24 indicates that CNA is not too dependend on debt financing.
CNA has a Debt to Equity ratio of 0.24. This is in the better half of the industry: CNA outperforms 68.06% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.14
Altman-Z N/A
ROIC/WACC0.16
WACC9.13%
CNA Yearly LT Debt VS Equity VS FCFCNA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2017 2019 2020 2021 2022 2023 2024 200M 400M 600M

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1

3. Growth

3.1 Past

CNA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.60%.
Measured over the past 5 years, CNA shows a small growth in Earnings Per Share. The EPS has been growing by 6.07% on average per year.
CNA shows a small growth in Revenue. In the last year, the Revenue has grown by 6.34%.
CNA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.71% yearly.
EPS 1Y (TTM)-5.6%
EPS 3Y5.97%
EPS 5Y6.07%
EPS Q2Q%-20.77%
Revenue 1Y (TTM)6.34%
Revenue growth 3Y6.22%
Revenue growth 5Y5.71%
Sales Q2Q%32.69%

3.2 Future

Based on estimates for the next years, CNA will show a decrease in Earnings Per Share. The EPS will decrease by -6.26% on average per year.
CNA is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -48.91% yearly.
EPS Next Y-20.14%
EPS Next 2Y-6.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-78.95%
Revenue Next 2Y-48.91%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CNA Yearly Revenue VS EstimatesCNA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.02, the valuation of CNA can be described as reasonable.
CNA's Price/Earnings ratio is a bit cheaper when compared to the industry. CNA is cheaper than 66.67% of the companies in the same industry.
CNA is valuated cheaply when we compare the Price/Earnings ratio to 26.65, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.76 indicates a reasonable valuation of CNA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CNA is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 21.27. CNA is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 10.02
Fwd PE 10.76
CNA Price Earnings VS Forward Price EarningsCNA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

CNA's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, CNA is valued a bit cheaper than 70.83% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.72
EV/EBITDA 11.19
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

CNA's earnings are expected to decrease with -6.26% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.65
EPS Next 2Y-6.26%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

CNA has a Yearly Dividend Yield of 4.08%, which is a nice return.
CNA's Dividend Yield is a higher than the industry average which is at 3.52.
Compared to an average S&P500 Dividend Yield of 2.44, CNA pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.08%

5.2 History

The dividend of CNA has a limited annual growth rate of 2.00%.
CNA has been paying a dividend for at least 10 years, so it has a reliable track record.
CNA has decreased its dividend recently.
Dividend Growth(5Y)2%
Div Incr Years1
Div Non Decr Years1
CNA Yearly Dividends per shareCNA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

115.20% of the earnings are spent on dividend by CNA. This is not a sustainable payout ratio.
CNA's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP115.2%
EPS Next 2Y-6.26%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B
CNA Dividend Payout.CNA Dividend Payout, showing the Payout Ratio.CNA Dividend Payout.PayoutRetained Earnings

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CNA FINANCIAL CORP

NYSE:CNA (6/24/2025, 1:20:02 PM)

45.58

-0.23 (-0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-05 2025-05-05/bmo
Earnings (Next)07-28 2025-07-28/bmo
Inst Owners99.01%
Inst Owner Change-0.08%
Ins Owners0.46%
Ins Owner Change0.07%
Market Cap12.33B
Analysts44.44
Price Target44.12 (-3.2%)
Short Float %0.5%
Short Ratio4.06
Dividend
Industry RankSector Rank
Dividend Yield 4.08%
Yearly Dividend3.78
Dividend Growth(5Y)2%
DP115.2%
Div Incr Years1
Div Non Decr Years1
Ex-Date05-19 2025-05-19 (0.46)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.96%
Min EPS beat(2)-10.54%
Max EPS beat(2)0.62%
EPS beat(4)1
Avg EPS beat(4)-2.87%
Min EPS beat(4)-10.54%
Max EPS beat(4)0.62%
EPS beat(8)3
Avg EPS beat(8)0.22%
EPS beat(12)5
Avg EPS beat(12)1.53%
EPS beat(16)7
Avg EPS beat(16)3.76%
Revenue beat(2)1
Avg Revenue beat(2)-5.76%
Min Revenue beat(2)-12.81%
Max Revenue beat(2)1.29%
Revenue beat(4)1
Avg Revenue beat(4)-10.47%
Min Revenue beat(4)-30.34%
Max Revenue beat(4)1.29%
Revenue beat(8)2
Avg Revenue beat(8)-10.81%
Revenue beat(12)5
Avg Revenue beat(12)-1.42%
Revenue beat(16)8
Avg Revenue beat(16)5.39%
PT rev (1m)-3.89%
PT rev (3m)-9.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-19.42%
EPS NY rev (1m)-17.59%
EPS NY rev (3m)-24.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-85.92%
Revenue NY rev (3m)-85.92%
Valuation
Industry RankSector Rank
PE 10.02
Fwd PE 10.76
P/S 0.85
P/FCF 4.72
P/OCF 4.56
P/B 1.2
P/tB 1.22
EV/EBITDA 11.19
EPS(TTM)4.55
EY9.98%
EPS(NY)4.24
Fwd EY9.29%
FCF(TTM)9.65
FCFY21.18%
OCF(TTM)10
OCFY21.93%
SpS53.41
BVpS37.98
TBVpS37.44
PEG (NY)N/A
PEG (5Y)1.65
Profitability
Industry RankSector Rank
ROA 1.33%
ROE 8.71%
ROCE 1.89%
ROIC 1.5%
ROICexc 1.51%
ROICexgc 1.88%
OM 8.74%
PM (TTM) 6.19%
GM N/A
FCFM 18.07%
ROA(3y)1.47%
ROA(5y)1.46%
ROE(3y)9.76%
ROE(5y)8.79%
ROIC(3y)1.62%
ROIC(5y)1.58%
ROICexc(3y)1.63%
ROICexc(5y)1.59%
ROICexgc(3y)2.02%
ROICexgc(5y)1.95%
ROCE(3y)2.04%
ROCE(5y)2%
ROICexcg growth 3Y-4.48%
ROICexcg growth 5Y-1.5%
ROICexc growth 3Y-5.11%
ROICexc growth 5Y-2.57%
OM growth 3Y-10.7%
OM growth 5Y-6.14%
PM growth 3Y-12.24%
PM growth 5Y-6.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.14
Debt/EBITDA 1.86
Cap/Depr 136.76%
Cap/Sales 0.64%
Interest Coverage 250
Cash Conversion 203.23%
Profit Quality 291.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC9.13%
ROIC/WACC0.16
Cap/Depr(3y)122.35%
Cap/Depr(5y)90.7%
Cap/Sales(3y)0.59%
Cap/Sales(5y)0.44%
Profit Quality(3y)266.53%
Profit Quality(5y)243.99%
High Growth Momentum
Growth
EPS 1Y (TTM)-5.6%
EPS 3Y5.97%
EPS 5Y6.07%
EPS Q2Q%-20.77%
EPS Next Y-20.14%
EPS Next 2Y-6.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.34%
Revenue growth 3Y6.22%
Revenue growth 5Y5.71%
Sales Q2Q%32.69%
Revenue Next Year-78.95%
Revenue Next 2Y-48.91%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-26.05%
EBIT growth 3Y-5.15%
EBIT growth 5Y-0.78%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.97%
FCF growth 3Y7.9%
FCF growth 5Y17.32%
OCF growth 1Y17.97%
OCF growth 3Y8.79%
OCF growth 5Y17.66%