CNA Financial (CNA) AI Stock Analysis

• Market Cap: $12.00B
• Dividend Yield: 8.21%
• Average Volume (3M): 454.35K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 0.33
• Revenue Growth: 5.41%
• EPS Growth: -23.52%
• Country: US
• Employees: 6,500
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 1.50
• Shares Outstanding: 270,666,600
• 10 Day Avg. Volume: 357,049
• 30 Day Avg. Volume: 454,350
• PEG Ratio: -0.67
• Price to Book (P/B): 1.25
• Price to Sales (P/S): 0.94
• P/FCF Ratio: 5.30
• Enterprise Value/Market Cap: 1.30
• Enterprise Value/Revenue: 1.07
• Enterprise Value/Gross Profit: 3.47
• Enterprise Value/Ebitda: 10.69
• 1Y Price Target: $45.00
• Price Target Upside: -2.56% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 79 Outperform
• Price Target: $53.00 ▲(14.77% Upside)

CNA Financial's strong earnings call performance and attractive valuation are the most significant factors driving the score. The company's solid financial health and positive technical indicators further support the stock's outlook. However, attention to cash flow stability and segment-specific challenges is necessary to sustain long-term growth.

Positive Factors

Strong Underwriting Performance

CNA's robust underwriting performance, with significant gains and reduced catastrophe losses, indicates effective risk management and operational efficiency, supporting long-term profitability.

Improved Combined Ratios

Improved combined ratios reflect CNA's ability to manage claims and expenses effectively, enhancing its competitive position and financial stability in the insurance market.

Growth in International Segment

The significant growth in the International segment showcases CNA's successful expansion strategy and ability to capture new market opportunities, contributing to sustained revenue growth.

Negative Factors

Challenges in Commercial Auto Portfolio

Challenges in the commercial auto portfolio due to inadequate terms and conditions could limit growth and profitability in this segment, requiring strategic adjustments.

Rate Declines in International

Declining rates in the International segment, driven by competitive pressures, may impact profitability, necessitating strategic pricing and risk management adjustments.

Life & Group Segment Losses

Continued losses in the Life & Group segment, influenced by lower investment income and reserve updates, highlight ongoing challenges that could affect overall financial performance.

CNA Financial Business Overview & Revenue Model

Company Description

CNA Financial Corporation (CNA) is a leading provider of commercial property and casualty insurance products and services in the United States. Founded in 1897 and headquartered in Chicago, Illinois, CNA operates primarily through its Insurance and Risk Control segments. The company offers a wide range of insurance solutions, including professional liability, workers' compensation, and commercial auto insurance, along with risk management services to various industries such as construction, healthcare, and manufacturing.

How the Company Makes Money

CNA Financial generates revenue primarily through the underwriting of insurance premiums. The company collects premiums from policyholders in exchange for providing insurance coverage, which constitutes its main revenue stream. Additionally, CNA invests the collected premiums into various financial instruments, generating investment income. The company also earns fees from its risk control services and solutions. Its partnerships with brokers and agents facilitate the distribution of its insurance products, further enhancing its market reach. Factors such as underwriting discipline, risk management capabilities, and investment performance play crucial roles in its overall profitability.

CNA Financial Financial Statement Overview

Summary

CNA Financial demonstrates solid financial health with consistent revenue growth and efficient cost management. The balance sheet is strong with manageable leverage and good return on equity. Cash flow generation is adequate, though recent declines in free cash flow growth warrant attention. Overall, the company is well-positioned but should focus on enhancing profitability and cash flow stability.

Income Statement

CNA Financial shows a stable revenue growth with a TTM increase of 1.37%. The gross profit margin is strong at 65.30% for TTM, indicating efficient cost management. However, the net profit margin remains modest at 6.75%, suggesting room for improvement in profitability. EBIT and EBITDA margins are stable, reflecting consistent operational efficiency.

Balance Sheet

The company maintains a healthy debt-to-equity ratio of 0.31, indicating prudent financial leverage. Return on equity is solid at 9.32%, showcasing effective use of shareholder funds. The equity ratio stands at 16.23%, suggesting a balanced capital structure, although there is potential to strengthen equity further.

Cash Flow

Operating cash flow is robust, but the free cash flow growth rate has declined by 1.02% TTM, indicating potential cash flow challenges. The operating cash flow to net income ratio of 0.55 suggests adequate cash generation relative to net income. Free cash flow to net income ratio is high at 0.96, reflecting strong cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2023	Dec 2023	Dec 2023
Income Statement
Total Revenue	14.57B	14.00B	13.13B	13.13B	13.13B	13.13B
Gross Profit	4.51B	4.46B	4.41B	4.41B	4.41B	4.41B
EBITDA	1.46B	1.41B	1.72B	1.72B	1.72B	1.72B
Net Income	997.00M	959.00M	1.21B	1.21B	1.21B	1.21B
Balance Sheet
Total Assets	69.76B	66.49B	64.71B	64.71B	64.71B	64.71B
Cash, Cash Equivalents and Short-Term Investments	3.99B	4.31B	2.51B	2.51B	2.51B	2.51B
Total Debt	3.47B	2.97B	3.03B	3.03B	3.03B	3.03B
Total Liabilities	58.43B	55.98B	54.82B	54.82B	54.82B	54.82B
Stockholders Equity	11.32B	10.51B	9.89B	9.89B	9.89B	9.89B
Cash Flow
Free Cash Flow	2.53B	2.48B	2.19B	2.19B	2.19B	2.19B
Operating Cash Flow	2.62B	2.57B	2.29B	2.29B	2.29B	2.29B
Investing Cash Flow	-2.00B	-1.32B	-1.84B	-1.84B	-1.84B	-1.84B
Financing Cash Flow	-597.00M	-1.12B	-577.00M	-577.00M	-577.00M	-577.00M

CNA Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 46.18
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNA, the sentiment is Positive. The current price of 46.18 is above the 20-day moving average (MA) of 45.81, above the 50-day MA of 45.82, and below the 200-day MA of 46.50, indicating a neutral trend. The MACD of 0.28 indicates Negative momentum. The RSI at 52.20 is Neutral, neither overbought nor oversold. The STOCH value of 67.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CNA.

CNA Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RLI	81 Outperform	$5.66B	16.15	19.49%	4.26%	3.72%	-16.23%
CNA	79 Outperform	$12.00B	12.12	9.03%	8.21%	5.41%	-23.52%
SIGI	78 Outperform	$4.77B	12.17	12.22%	1.99%	10.98%	74.87%
THG	77 Outperform	$6.62B	10.74	20.02%	1.94%	5.26%	72.46%
AFG	73 Outperform	$11.49B	14.44	16.91%	6.85%	―	-10.75%
AXS	68 Neutral	$7.88B	8.33	16.27%	1.72%	6.37%	68.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

CNA Financial Corporate Events

CNA Financial Reports Strong Q3 2025 Earnings

CNA Financial Corporation is a leading U.S. commercial property and casualty insurance company, offering a wide range of insurance products and services for businesses and professionals across the U.S., Canada, and Europe.

CNA Financial Announces Leadership Transition Plans

On November 3, 2025, CNA Financial announced that Dino E. Robusto will conclude his role as Executive Chairman of the Board and director on December 31, 2025, as per his Employment Agreement. Douglas M. Worman, currently President and CEO, will assume the role of Chairman of the Board starting January 1, 2026. Additionally, the Board of Directors has decided to reduce its size to ten members, effective the same date.

The most recent analyst rating on (CNA) stock is a Hold with a $51.00 price target. To see the full list of analyst forecasts on CNA Financial stock, see the CNA Stock Forecast page.