CNA Financial (CNA) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

CNA Financial

NYSE•Financial Services•Insurance - Property & Casualty

$48.47-0.69(-0.01%)Market closed

Market Cap

$13.01B

P/E

10.5x

P/S

0.9x

P/B

1.2x

CNA Financial Corporation, an insurance holding company, primarily provides commercial property and casualty insurance products in the United States, Canada, the United Kingdom, Continental Europe, and internationally. It operates through Specialty, Commercial, International, and Life & Group segments. The company offers professional liability coverage and risk management services to various professional firms, including architects, real estate agents, and accounting and law firms; directors and officers, errors and omissions, employment practices, fiduciary, and fidelity and cyber coverage to small and mid-size firms, public and privately held firms, and not-for-profit organizations; professional and general liability, as well as associated casualty coverages for healthcare industry; surety and fidelity bonds; and warranty and alternative risks products. It also provides property, marine, boiler, and machinery coverage insurance products; casualty insurance products comprising workers' compensation, general and product liability, commercial auto, umbrella, and excess and surplus coverages; specialized loss-sensitive insurance programs and total risk management services; and a run-off long-term care business. The company was founded in 1853 and is based in Chicago, Illinois. CNA Financial Corporation is a subsidiary of Loews Corporation.

How this company scores

GoodMetricSide Score: 72/100

Strongest: Profitability (21/25); weakest: Balance Sheet & Red Flags (14/25).

Profitability21/25

Growth19/25

Balance Sheet & Red Flags14/25

Cash & Earnings Quality18/25

Strengths

Rising earningsLow leverageCash-backed earningsConsistent free cash flow

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.5x5y range 8.8x – 16.9x

Currently near its 20-quarter median.

P/S · 0.9x5y range 0.8x – 1.3x

Currently near its 20-quarter median.

P/B · 1.2x5y range 0.9x – 1.3x

Price & Volume

Market Cap $13.01B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $15.15B
Q. Revenue: $3.83B
TTM EBITDA: $1.64B
TTM Op. Income: $1.56B
Q. Op. Income: $405.00M
TTM Net Income: $1.24B
Q. Net Income: $321.00M
EPS: $1.18
Shares Out.: $270.90M

$15.15B in TTM revenue grew 3.4% YoY, reaching $3.83B last quarter. TTM EBITDA of $1.64B and TTM operating income of $1.56B show growth is flowing through to the bottom line. TTM net income of $1.24B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 11.1%
Op. Margin: 10.6%
Net Margin: 8.4%

Op. margin of 10.6% is up 0.4% YoY — cost efficiency is improving. Net margin at 8.4% Over the past year, operating margin is up 3% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.5x
P/S Ratio: 0.9x
P/B Ratio: 1.2x

At 10.5x P/E, the stock trades below typical market levels. P/S of 0.9x and P/B of 1.2x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $69.87B
Cash: $339.00M
Long-Term Debt: $2.97B
Book Value: $11.19B
D/E Ratio: 0.3
Debt/EBITDA: 7.0

With $69.87B in assets and $2.97B in long-term debt, D/E is 0.3and book value is $11.19B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 14% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $649.00M
TTM Free Cash Flow: $2.25B
FCF Margin: 14.9%
FCF / Net Income: 1.8

TTM FCF of $2.25B on $649.00M in operating cash flow. The FCF / Net Income ratio of 1.8x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 12% — an improving trend.