-0.66%
2.21%
3.19%
0.57%
12.19%
7.69%
10.78%
AI Spotlight on CNA
Company Description
CNA Financial Corporation provides commercial property and casualty insurance products primarily in the United States.It operates through Specialty, Commercial, International, Life & Group, and Corporate & Other segments.The company offers professional liability coverages and risk management services to various professional firms, including architects, real estate agents, and accounting and law firms; directors and officers, employment practices, fiduciary, and fidelity coverages to small and mid-size firms, public and privately held firms, and not-for-profit organizations; professional and general liability, as well as associated standard property and casualty coverages for healthcare industry; surety and fidelity bonds; and warranty and alternative risks products.
It also provides property insurance products, such as property, marine, boiler, and machinery coverages; casualty insurance products comprising workers' compensation, general and product liability, commercial auto, and umbrella coverages; specialized loss-sensitive insurance programs and total risk management services; and run-off long term care policies.In addition, the company offers long-tail exposures comprising commercial automobile liability, workers' compensation, general and medical professional liability, other professional and management liability, and assumed reinsurance run-off and products liability; and short-tail exposures, such as property, commercial automobile physical damage, marine, and surety.It markets its products through independent agents, brokers, and general underwriters to small, medium, and large businesses; insurance companies; associations; professionals; and other groups in the marine, oil and gas, construction, manufacturing, life science, property, financial services, healthcare, and technology industries.
The company was founded in 1853 and is headquartered in Chicago, Illinois.CNA Financial Corporation operates as a subsidiary of Loews Corporation.
Market Data
| Last Price | 49.44 |
| Change Percentage | -0.66% |
| Open | 50.12 |
| Previous Close | 49.77 |
| Market Cap ( Millions) | 13390 |
| Volume | 198376 |
| Year High | 52.36 |
| Year Low | 42.33 |
| M A 50 | 48.66 |
| M A 200 | 47.61 |
Financial Ratios
| FCF Yield | 17.24% |
| Dividend Yield | 7.61% |
| ROE | 12.99% |
| Debt / Equity | 27.63% |
| Net Debt / EBIDTA | 62.12% |
| Price To Book | 1.25 |
| Price Earnings Ratio | 10.28 |
| Price To FCF | 5.8 |
| Price To sales | 0.95 |
| EV / EBITDA | 3.93 |
News
- Jan -21 - CNA Financial to Report Fourth Quarter 2024 Results on February 10
- Dec -24 - CNA Stock Trading at a Discount to the Industry: Should You Buy It?
- Dec -05 - AM Best Revises Outlooks to Positive for CNA Financial Corporation and Its Subsidiaries
- Nov -27 - The Zacks Analyst Blog First American Financial, Cincinnati Financial, CNA Financial and American Financial
- Nov -26 - 4 Dividend-Paying P&C Stocks to Watch in the Insurance Space
- Nov -21 - CNA Stock Near 52-Week High: Here's What Investors Should Know
- Nov -05 - CNA Financial: A Steady, Dividend-Oriented Insurer Navigating Through Higher Loss Trends
- Nov -05 - CNA Financial Q3 Earnings, Revenues Top Estimates, Rise Y/Y
- Nov -04 - CNA Financial (CNA) Q3 Earnings and Revenues Top Estimates
- Nov -04 - LOEWS CORPORATION REPORTS NET INCOME OF $401 MILLION FOR THE THIRD QUARTER OF 2024
- Nov -04 - CNA FINANCIAL ANNOUNCES THIRD QUARTER 2024 NET INCOME OF $1.04 PER SHARE AND CORE INCOME OF $1.08 PER SHARE
- Oct -21 - CNA FINANCIAL ANNOUNCES THIRD QUARTER 2024 CATASTROPHE AND FOURTH QUARTER 2024 HURRICANE MILTON ESTIMATES
- Oct -15 - CNA Financial to Report Third Quarter 2024 Results on November 4
- Sep -23 - UPDATE - MedCerts Launches Certified Nursing Assistant (CNA) eLearning Program Benefiting Medical Providers, Patients and Aspiring Healthcare Professionals
- Aug -27 - CNA Financial Stock Gains 31% in a Year: Will the Rally Last?
- Aug -21 - 5 Dividend-Paying P&C Insurers That Ensure Stable Income
- Jul -31 - CNA Financial: Steady Performance For A Steady Insurance Carrier
- Jul -30 - CNA Financial (CNA) Q2 Earnings Miss, Revenues Rise Y/Y
- Jul -29 - Compared to Estimates, CNA Financial (CNA) Q2 Earnings: A Look at Key Metrics
- Jul -29 - CNA Financial (CNA) Q2 Earnings Miss Estimates
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Specialty
Expected Growth : 4.83 %
What the company do ?
CNA Financial Corporation's specialty lies in providing commercial property and casualty insurance, offering a range of products and services to businesses and professionals.
Why we expect these perspectives ?
CNA Financial Corporation's Specialty segment growth of 4.83% is driven by increasing demand for specialized insurance products, expansion into new markets, and strategic underwriting initiatives. Additionally, favorable market conditions, improved pricing, and a strong distribution network contribute to the segment's growth.
Segment n°2 -> Commercial
Expected Growth : 4.73 %
What the company do ?
CNA Financial Corporation's commercial highlights its insurance solutions for businesses, featuring a narrator explaining how CNA helps companies mitigate risks and thrive.
Why we expect these perspectives ?
CNA Financial Corporation's Commercial segment growth of 4.73% is driven by a strong economy, increased demand for commercial insurance products, and strategic pricing initiatives. Additionally, the company's focus on digital transformation, expansion into new markets, and improved underwriting capabilities have contributed to this growth.
Segment n°3 -> Life & Group
Expected Growth : 4.73 %
What the company do ?
Life & Group from CNA Financial Corporation provides life insurance, accident insurance, and disability insurance to employees through their employers.
Why we expect these perspectives ?
CNA Financial Corporation's Life & Group segment growth of 4.73% is driven by increasing demand for employee benefits, expansion of voluntary benefits offerings, and strategic partnerships. Additionally, favorable underwriting results, rate increases, and a strong economy contribute to the segment's growth.
Segment n°4 -> International
Expected Growth : 4.78 %
What the company do ?
CNA Financial Corporation's International segment offers property and casualty insurance products and services to businesses and organizations outside the United States.
Why we expect these perspectives ?
CNA Financial Corporation's International segment growth of 4.78% is driven by increasing demand for specialty insurance products, expansion into new markets, and strategic partnerships. Additionally, favorable regulatory environments, growing economies, and a strong brand presence contribute to the segment's growth.
Segment n°5 -> Corporate & Other Segment
Expected Growth : 4.77 %
What the company do ?
The Corporate & Other Segment of CNA Financial Corporation includes corporate expenses, investment portfolio, and other non-underwriting items not allocated to business segments.
Why we expect these perspectives ?
The 4.77% growth in Corporate & Other Segment of CNA Financial Corporation is driven by effective capital management, disciplined expense control, and strategic investments in digital capabilities. Additionally, the segment benefits from a favorable interest rate environment, improved operational efficiency, and a strong balance sheet, enabling the company to invest in growth initiatives and drive profitability.
Segment n°6 -> Eliminations
Expected Growth : 4.78 %
What the company do ?
Eliminations from CNA Financial Corporation refer to the removal of intercompany transactions and balances between CNA's subsidiaries to present a consolidated financial statement.
Why we expect these perspectives ?
CNA Financial Corporation's 4.78% growth is driven by strong underwriting results, favorable prior year reserve development, and a steady stream of investment income. Additionally, the company's disciplined expense management and strategic capital allocation have contributed to its growth momentum.
Cna Financial Corporation Products
| Product Range | What is it ? |
|---|---|
| Commercial Insurance | CNA Financial Corporation offers a range of commercial insurance products, including property, liability, and specialty insurance, to help businesses manage risk and protect their assets. |
| Specialty Insurance | CNA's specialty insurance products provide tailored coverage for unique risks, such as cyber liability, directors and officers liability, and professional liability. |
| Workers' Compensation Insurance | CNA's workers' compensation insurance provides coverage for employees injured on the job, helping businesses manage the cost of workplace accidents. |
| Management Liability Insurance | CNA's management liability insurance products provide coverage for directors and officers liability, employment practices liability, and fiduciary liability. |
| Reinsurance | CNA's reinsurance products provide coverage for insurers, helping them manage risk and improve their capital position. |
| Risk Management Services | CNA's risk management services provide businesses with risk assessment, mitigation, and management solutions to help them identify and manage risk. |
CNA Financial Corporation's Porter Forces
Threat Of Substitutes
CNA Financial Corporation operates in a highly competitive industry, and there are many substitutes available to customers. However, the company's strong brand reputation and diversified product offerings help to mitigate the threat of substitutes.
Bargaining Power Of Customers
CNA Financial Corporation's customers have some bargaining power due to the availability of alternative insurance providers. However, the company's strong relationships with its customers and its ability to offer customized solutions help to reduce the bargaining power of customers.
Bargaining Power Of Suppliers
CNA Financial Corporation has a diversified supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position and long-term relationships with suppliers also help to mitigate the bargaining power of suppliers.
Threat Of New Entrants
The insurance industry has high barriers to entry, including regulatory hurdles and significant capital requirements. While new entrants may emerge, CNA Financial Corporation's established brand and strong market position help to mitigate the threat of new entrants.
Intensity Of Rivalry
The insurance industry is highly competitive, with many established players competing for market share. CNA Financial Corporation faces intense competition from other insurance providers, which can lead to pricing pressure and reduced market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 23.45% |
| Debt Cost | 5.28% |
| Equity Weight | 76.55% |
| Equity Cost | 7.23% |
| WACC | 6.77% |
| Leverage | 30.64% |
CNA Financial Corporation : Quality Control
CNA Financial Corporation passed 6 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CINF | Cincinnati Financial Corporation, together with its subsidiaries, provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and … |
| MKL | Markel Corporation, a diverse financial holding company, markets and underwrites specialty insurance products in the United States, Bermuda, the United Kingdom, rest of Europe, Canada, the Asia Pacific, and the … |
| WRB | W. R. Berkley Corporation, an insurance holding company, operates as a commercial lines writer in the United States and internationally. It operates in two segments, Insurance and Reinsurance & Monoline … |
| MCY | Mercury General Corporation, together with its subsidiaries, engages in writing personal automobile insurance in the United States. The company also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella … |
| L | Loews Corporation provides commercial property and casualty insurance in the United States and internationally. The company offers specialty insurance products, such as management and professional liability, and other coverage products; … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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CNA Financial
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1-Year Total Return ->
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WR Berkley
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1-Year Total Return ->
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Cincinnati Financial
A-Score
1-Year Total Return ->
4
Mercury General
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5
Markel
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1-Year Total Return ->
6
