CNA FINANCIAL CORP (CNA) Fundamental Analysis & Valuation

NYSE:CNA • US1261171003

Current stock price

47.79 USD
-0.93 (-1.91%)
At close:
47.79 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.
  • CNA had positive earnings in each of the past 5 years.
  • 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 has a Return On Assets (1.84%) which is comparable to the rest of the industry.
  • CNA has a Return On Equity (11.00%) which is in line with 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

  • Looking at the Profit Margin, with a value of 8.53%, CNA is in line with its industry, outperforming 51.02% of the companies in the same industry.
  • CNA's Profit Margin has improved in the last couple of years.
  • CNA has a Operating Margin (11.71%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of CNA has grown nicely.
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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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.
  • CNA has about the same amout of shares outstanding than it did 5 years ago.
  • 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 62.59% 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's Debt to Equity ratio of 0.26 is in line compared to the rest of the industry. CNA outperforms 59.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACCN/A
WACC8.01%
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. CNA Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.07% over the past year.
  • Measured over the past years, CNA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.75% on average per year.
  • Looking at the last year, CNA shows a small growth in Revenue. The Revenue has grown by 5.04% in the last year.
  • CNA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.76% yearly.
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

  • The Earnings Per Share is expected to grow by 6.26% on average over the next years.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-5.57%
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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5

4. CNA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.71, the valuation of CNA can be described as reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as CNA.
  • When comparing the Price/Earnings ratio of CNA to the average of the S&P500 Index (26.54), we can say CNA is valued rather cheaply.
  • CNA is valuated reasonably with a Price/Forward Earnings ratio of 10.29.
  • 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 21.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.71
Fwd PE 10.29
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

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as CNA.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CNA indicates a somewhat cheap valuation: CNA is cheaper than 63.95% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.37
EV/EBITDA 8.46
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

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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 3.94%. Purely for dividend investing, there may be better candidates out there.
  • CNA's Dividend Yield is rather good when compared to the industry average which is at 2.37. CNA pays more dividend than 81.63% of the companies in the same industry.
  • CNA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
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.
  • 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

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CNA Fundamentals: All Metrics, Ratios and Statistics

CNA FINANCIAL CORP

NYSE:CNA (4/29/2026, 8:05:00 PM)

After market: 47.79 0 (0%)

47.79

-0.93 (-1.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength38.51
Industry Growth89.44
Earnings (Last)02-09
Earnings (Next)05-04
Inst Owners100.49%
Inst Owner Change0%
Ins Owners0.55%
Ins Owner Change0.05%
Market Cap12.90B
Revenue(TTM)14.99B
Net Income(TTM)1.28B
Analysts48
Price Target28.22 (-40.95%)
Short Float %0.82%
Short Ratio4.72
Dividend
Industry RankSector Rank
Dividend Yield 3.94%
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)-24.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)1.1%
EPS NY rev (3m)-4.17%
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 9.71
Fwd PE 10.29
P/S 0.86
P/FCF 5.37
P/OCF 5.18
P/B 1.11
P/tB 1.12
EV/EBITDA 8.46
EPS(TTM)4.92
EY10.3%
EPS(NY)4.65
Fwd EY9.72%
FCF(TTM)8.91
FCFY18.64%
OCF(TTM)9.22
OCFY19.3%
SpS55.53
BVpS43.05
TBVpS42.51
PEG (NY)N/A
PEG (5Y)0.76
Graham Number69.0364 (44.46%)
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
WACC8.01%
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-5.57%
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 -5.57% 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%.