CNA Financial Corporation provides commercial property and casualty insurance products primarily in the United States.
Undervalued with moderate growth potential.
Share Price & News
How has CNA Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CNA has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: CNA underperformed the US Insurance industry which returned -22.1% over the past year.
Return vs Market: CNA underperformed the US Market which returned 5% over the past year.
Price Volatility Vs. Market
How volatile is CNA Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StCNA Financial Corporation's (NYSE:CNA) Stock On An Uptrend: Could Fundamentals Be Driving The Momentum?
1 month ago | Simply Wall StShould You Worry About CNA Financial Corporation's (NYSE:CNA) CEO Salary Level?
1 month ago | Simply Wall StIntroducing CNA Financial (NYSE:CNA), The Stock That Dropped 36% In The Last Year
Is CNA Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CNA ($31.53) is trading below our estimate of fair value ($43.84)
Significantly Below Fair Value: CNA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CNA is poor value based on its PE Ratio (14.3x) compared to the Insurance industry average (13.2x).
PE vs Market: CNA is good value based on its PE Ratio (14.3x) compared to the US market (16.5x).
Price to Earnings Growth Ratio
PEG Ratio: CNA is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: CNA is good value based on its PB Ratio (0.8x) compared to the US Insurance industry average (0.9x).
How is CNA Financial forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CNA's forecast earnings growth (37% per year) is above the savings rate (2.2%).
Earnings vs Market: CNA's earnings (37% per year) are forecast to grow faster than the US market (22.8% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: CNA's revenue is expected to decline over the next 3 years (-15.5% per year).
High Growth Revenue: CNA's revenue is forecast to decline over the next 3 years (-15.5% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CNA's Return on Equity is forecast to be high in 3 years time
How has CNA Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CNA has high quality earnings.
Growing Profit Margin: CNA's current net profit margins (5.8%) are lower than last year (8.4%).
Past Earnings Growth Analysis
Earnings Trend: CNA's earnings have grown by 5.4% per year over the past 5 years.
Accelerating Growth: CNA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CNA had negative earnings growth (-30.9%) over the past year, making it difficult to compare to the Insurance industry average (-1.9%).
Return on Equity
High ROE: CNA's Return on Equity (5.8%) is considered low.
How is CNA Financial's financial position?
Financial Position Analysis
Short Term Liabilities: CNA's short term assets ($8.7B) do not cover its short term liabilities ($27.4B).
Long Term Liabilities: CNA's short term assets ($8.7B) do not cover its long term liabilities ($20.6B).
Debt to Equity History and Analysis
Debt Level: CNA's debt to equity ratio (23%) is considered satisfactory.
Reducing Debt: CNA's debt to equity ratio has increased from 20.6% to 23% over the past 5 years.
Debt Coverage: CNA's debt is well covered by operating cash flow (44.8%).
Interest Coverage: CNA's interest payments on its debt are well covered by EBIT (6.6x coverage).
What is CNA Financial current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CNA's dividend (11.04%) is higher than the bottom 25% of dividend payers in the US market (1.67%).
High Dividend: CNA's dividend (11.04%) is in the top 25% of dividend payers in the US market (4.5%)
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, CNA has been paying a dividend for less than 10 years.
Growing Dividend: CNA's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (64.6%), CNA's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dino Robusto (62yo)
Mr. Dino Ennio Robusto is Chairman and Chief Executive Officer of CNA Financial Corporation (CNA). Since joining CNA Financial Corporation in November 2016, he has re-energized the business and reinvig ...
CEO Compensation Analysis
Compensation vs Market: Dino's total compensation ($USD13.05M) is above average for companies of similar size in the US market ($USD7.33M).
Compensation vs Earnings: Dino's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|Chairman & CEO||3.67yrs||US$13.05m||0.12% $10.4m|
|Executive VP & Chief Underwriting Officer||3.33yrs||US$3.99m||0.019% $1.6m|
|President & COO of CNA Specialty||3.17yrs||US$3.38m||0.021% $1.8m|
|President & COO of Commercial for CNA insurance companies||no data||US$3.56m||0.029% $2.5m|
|Executive VP & CFO||0.42yr||no data||0.019% $1.6m|
|Chief Operating Officer||no data||no data||no data|
|Senior Vice President of Investments & Treasury||5.67yrs||no data||no data|
|Chief Information Officer||0.83yr||no data||no data|
|Senior VP & Chief Compliance Officer||2.08yrs||no data||no data|
|Executive VP & General Counsel||1yr||no data||0.0038% $324.3k|
Experienced Management: CNA's management team is considered experienced (2.6 years average tenure).
|Chairman & CEO||3.67yrs||US$13.05m||0.12% $10.4m|
|VP & Director||2.25yrs||no data||no data|
|Senior VP & Director||1.25yrs||no data||no data|
|Independent Director||3.25yrs||US$150.00k||no data|
|Independent Director||27.17yrs||US$155.00k||0.00018% $15.4k|
|Independent Director||18.17yrs||US$150.00k||no data|
|Independent Director||2.75yrs||US$150.00k||no data|
|Independent Director||13.42yrs||US$170.00k||no data|
Experienced Board: CNA's board of directors are considered experienced (8.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
CNA Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: CNA Financial Corporation
- Ticker: CNA
- Exchange: NYSE
- Founded: 1853
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Market Cap: US$8.556b
- Shares outstanding: 271.38m
- Website: https://www.cna.com
Number of Employees
- CNA Financial Corporation
- 151 North Franklin Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CNA||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Jan 1969|
|CNH||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jan 1969|
CNA Financial Corporation provides commercial property and casualty insurance products primarily in the United States. The company operates through Specialty, Commercial, International, Life & Group, and Corporate & Other segments. It 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. The company 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 policies. In addition, it 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 comprising property, commercial automobile physical damage, marine, surety, and warranty. The company 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 is a subsidiary of Loews Corporation.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/07/06 23:54|
|End of Day Share Price||2020/07/06 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.