CNA FINANCIAL CORP (CNA)
US1261171003 - Common Stock
CNA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. While CNA is still in line with the averages on profitability rating, there are concerns on its financial health. CNA is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CNA was profitable.
In the past year CNA had a positive cash flow from operations.
In the past 5 years CNA has always been profitable.
In the past 5 years CNA always reported a positive cash flow from operatings.
1.2 Ratios
CNA has a Return On Assets (1.94%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 12.13%, CNA is in line with its industry, outperforming 52.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.94% | ||
| ROE | 12.13% | ||
| ROIC | N/A |
ROA(3y)1.59%
ROA(5y)1.5%
ROE(3y)9.8%
ROE(5y)8.6%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 9.26%, CNA perfoms like the industry average, outperforming 57.86% of the companies in the same industry.
In the last couple of years the Profit Margin of CNA has grown nicely.
CNA has a Operating Margin (12.67%) which is in line with its industry peers.
In the last couple of years the Operating Margin of CNA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.67% | ||
| PM (TTM) | 9.26% | ||
| GM | N/A |
OM growth 3Y12.34%
OM growth 5Y2.27%
PM growth 3Y12.38%
PM growth 5Y2.51%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CNA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CNA has about the same amount of shares outstanding.
CNA has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for CNA is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CNA is 1.29, which is an excellent value as it means it would take CNA, only 1.29 years of fcf income to pay off all of its debts.
CNA has a better Debt to FCF ratio (1.29) than 60.71% of its industry peers.
CNA has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of CNA (0.28) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.17%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 11.62% over the past year.
Measured over the past years, CNA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.66% on average per year.
CNA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.18%.
Measured over the past years, CNA shows a small growth in Revenue. The Revenue has been growing by 5.54% on average per year.
EPS 1Y (TTM)11.62%
EPS 3Y20.38%
EPS 5Y8.66%
EPS Q2Q%1.89%
Revenue 1Y (TTM)9.18%
Revenue growth 3Y7.16%
Revenue growth 5Y5.54%
Sales Q2Q%7.73%
3.2 Future
The Earnings Per Share is expected to grow by 8.00% on average over the next years. This is quite good.
CNA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.89% yearly.
EPS Next Y0.79%
EPS Next 2Y6.27%
EPS Next 3Y8%
EPS Next 5YN/A
Revenue Next Year24.6%
Revenue Next 2Y15.23%
Revenue Next 3Y11.89%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.84 indicates a reasonable valuation of CNA.
64.29% of the companies in the same industry are more expensive than CNA, based on the Price/Earnings ratio.
CNA is valuated cheaply when we compare the Price/Earnings ratio to 27.73, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.06, the valuation of CNA can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CNA is valued a bit cheaper than the industry average as 65.00% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.83. CNA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.84 | ||
| Fwd PE | 9.06 |
4.2 Price Multiples
CNA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CNA is cheaper than 66.43% of the companies in the same industry.
CNA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CNA is cheaper than 68.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.66 | ||
| EV/EBITDA | 8.27 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)12.52
PEG (5Y)1.14
EPS Next 2Y6.27%
EPS Next 3Y8%
5. Dividend
5.1 Amount
CNA has a Yearly Dividend Yield of 3.64%. Purely for dividend investing, there may be better candidates out there.
CNA's Dividend Yield is a higher than the industry average which is at 4.24.
CNA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.24.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
5.2 History
The dividend of CNA decreases each year by -2.55%.
CNA has paid a dividend for at least 10 years, which is a reliable track record.
CNA has decreased its dividend recently.
Dividend Growth(5Y)-2.55%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
78.16% of the earnings are spent on dividend by CNA. This is not a sustainable payout ratio.
DP78.16%
EPS Next 2Y6.27%
EPS Next 3Y8%
CNA FINANCIAL CORP
NYSE:CNA (12/20/2024, 8:04:00 PM)
After market: 48.21 0 (0%)48.21
+0.55 (+1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners98.49%
Inst Owner Change-0.27%
Ins Owners92.83%
Ins Owner Change-0.03%
Market Cap13.06B
Analysts46
Price Target51 (5.79%)
Short Float %0.25%
Short Ratio2.49
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
Dividend Growth(5Y)-2.55%
DP78.16%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.79%
Min EPS beat(2)-1.2%
Max EPS beat(2)-0.37%
EPS beat(4)1
Avg EPS beat(4)2.6%
Min EPS beat(4)-7.73%
Max EPS beat(4)19.71%
EPS beat(8)3
Avg EPS beat(8)1.73%
EPS beat(12)4
Avg EPS beat(12)1.37%
EPS beat(16)8
Avg EPS beat(16)6.27%
Revenue beat(2)0
Avg Revenue beat(2)-15.17%
Min Revenue beat(2)-30.34%
Max Revenue beat(2)0%
Revenue beat(4)1
Avg Revenue beat(4)-11.22%
Min Revenue beat(4)-30.34%
Max Revenue beat(4)4.83%
Revenue beat(8)2
Avg Revenue beat(8)-8.69%
Revenue beat(12)5
Avg Revenue beat(12)0.83%
Revenue beat(16)8
Avg Revenue beat(16)8.97%
PT rev (1m)-1.96%
PT rev (3m)2.04%
EPS NQ rev (1m)-2.87%
EPS NQ rev (3m)-7.65%
EPS NY rev (1m)-1.05%
EPS NY rev (3m)-4.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)14.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)40.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.84 | ||
| Fwd PE | 9.06 | ||
| P/S | 0.93 | ||
| P/FCF | 5.66 | ||
| P/OCF | 5.47 | ||
| P/B | 1.21 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | 8.27 |
EPS(TTM)4.9
EY10.16%
EPS(NY)5.32
Fwd EY11.03%
FCF(TTM)8.52
FCFY17.68%
OCF(TTM)8.82
OCFY18.29%
SpS52.02
BVpS39.72
TBVpS39.18
PEG (NY)12.52
PEG (5Y)1.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.94% | ||
| ROE | 12.13% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 12.67% | ||
| PM (TTM) | 9.26% | ||
| GM | N/A | ||
| FCFM | 16.38% |
ROA(3y)1.59%
ROA(5y)1.5%
ROE(3y)9.8%
ROE(5y)8.6%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)2.16%
ROCE(5y)2.05%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y12.34%
OM growth 5Y2.27%
PM growth 3Y12.38%
PM growth 5Y2.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.29 | ||
| Debt/EBITDA | 1.59 | ||
| Cap/Depr | 100% | ||
| Cap/Sales | 0.57% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 128.04% | ||
| Profit Quality | 176.86% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.17%
ROIC/WACCN/A
Cap/Depr(3y)91.13%
Cap/Depr(5y)69.99%
Cap/Sales(3y)0.44%
Cap/Sales(5y)0.36%
Profit Quality(3y)235.96%
Profit Quality(5y)214.64%
High Growth Momentum
Growth
EPS 1Y (TTM)11.62%
EPS 3Y20.38%
EPS 5Y8.66%
EPS Q2Q%1.89%
EPS Next Y0.79%
EPS Next 2Y6.27%
EPS Next 3Y8%
EPS Next 5YN/A
Revenue 1Y (TTM)9.18%
Revenue growth 3Y7.16%
Revenue growth 5Y5.54%
Sales Q2Q%7.73%
Revenue Next Year24.6%
Revenue Next 2Y15.23%
Revenue Next 3Y11.89%
Revenue Next 5YN/A
EBIT growth 1Y21.18%
EBIT growth 3Y20.38%
EBIT growth 5Y7.93%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-10.61%
FCF growth 3Y7.8%
FCF growth 5Y14.24%
OCF growth 1Y-9.3%
OCF growth 3Y8.78%
OCF growth 5Y13.24%