CNA
CNA Financial Corp
$50.98
▼ 0.4%Updated Today 12:11 PM ET
CNA at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 62/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 11.9% over the last 12 months
Market Cap
$13.84B
P/E
11.39x
Forward P/E (est.)
8.38x
ROE
10.9%
Revenue Growth
4.0%
EPS Growth
35.9%
Profit Margin
8.1%
FCF Yield
8.2%
Debt / Equity
0.26x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
3.8%
Implied Growth (rev. DCF)
-7.1%
Rating Score
62/100
CNA Financial Corp (CNA) is a large-cap company in the Insurance industry, part of the Financials sector of the S&P 500, with a market value around $13.84B.
In its latest reported year it generated about $14.99B in revenue and $1.28B in net profit.
Our model rates CNA Favorable (62/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what CNA's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. CNA trades near $50.98, above its 50-day average ($45.28) and 200-day average ($46.36). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 83 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. CNA's is $1.02 (~2.0% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month CNA found buyers near $42.63 (support) and sellers near $51.37 (resistance); its 52-week range is $41.53–$51.37. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.1× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
5.9%
Revenue moved from $9.37B in 2016 to $14.99B in 2025, a 5.4% compound annual growth rate. The most recent year was roughly flat (4.0%) year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
11.1%
Net Margin
8.5%
ROE
10.9%
CNA Financial Corp keeps about 8.1% of each sales dollar as net profit. Return on equity is 10.9%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$2.97B
Net Debt
$2.97B
Net Debt / EBITDA
—
Debt / Equity
0.26x
Leverage: debt-to-equity is 0.3x. That is a conservative balance sheet — a cushion in downturns.
Operating CF
$2.49B
Free Cash Flow
$2.40B
FCF Margin
16.0%
In the latest year CNA Financial Corp produced about $2.49B of operating cash flow and $2.40B of free cash flow after capital spending. That is a free-cash-flow yield of about 8.2% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
11.39x
P/S
0.92x
P/B
1.11x
EV / EBITDA
—
CNA trades at 11.4x trailing earnings (about 8.4x on estimated forward earnings), 0.9x sales, and 1.1x book value. Reverse-engineering today's price implies the market expects roughly -7.1% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$153.00
Current price
$50.98
Starting FCF (latest 10-K)
$2.40B
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where CNA sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 95 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How CNA stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (181 S&P 500 companies), CNA ranks #52 of 181 by our overall rating. It trades at a discount versus the sector on earnings (11.4x P/E vs. 15.3x median) with a lower return on equity (10.9% vs. 13.6%) and slower revenue growth (4.0% vs. 15.5%).
P/E vs sector
11.4x
median 15.3x
ROE vs sector
10.9%
median 13.6%
Growth vs sector
4.0%
median 15.5%
Sector rank
#52
of 181 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 181 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $50.98 today · expected CAGR -4% – 6%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $15.59B | $16.21B | $16.86B | $17.54B | $18.24B |
| Net income | $1.40B | $1.46B | $1.52B | $1.58B | $1.64B |
| EPS | $5.19 | $5.39 | $5.61 | $5.83 | $6.07 |
| Share price (low) | $36.30 | $37.75 | $39.26 | $40.83 | $42.47 |
| Share price (high) | $57.05 | $59.33 | $61.70 | $64.17 | $66.74 |
| CAGR (low–high) | -29% / 12% | -14% / 8% | -8% / 7% | -5% / 6% | -4% / 6% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for CNA:
- Healthy free-cash-flow yield (~8.2%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.3x) lowers risk.
- Pays a 3.8% dividend on top of any price gains.
- Our model's overall read is Favorable (62/100).
The case against CNA:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: CNA Financial Corp is a large-cap financials business growing at a mature pace, with modest profitability, and a sound balance sheet. It trades at 11.4x earnings, which our model scores Favorable (62/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
CNA — frequently asked questions
Is CNA a good stock to buy?
We don't give buy or sell advice. Our model rates CNA Financial Corp Favorable (62/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is CNA's rating on The Stocks School?
CNA Financial Corp currently scores 62/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does CNA's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from CNA Financial Corp's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for CNA calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this CNA analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell CNA. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.