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CNA FINANCIAL CORP (CNA) Stock Fundamental Analysis

NYSE:CNA - New York Stock Exchange, Inc. - US1261171003 - Common Stock

48.8  -0.06 (-0.12%)

After market: 48.8 0 (0%)

Fundamental Rating

4

CNA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. CNA has a medium profitability rating, but doesn't score so well on its financial health evaluation. CNA has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

CNA had positive earnings in the past year.
In the past year CNA had a positive cash flow from operations.
CNA had positive earnings in each of the past 5 years.
In the past 5 years CNA always reported a positive cash flow from operatings.
CNA Yearly Net Income VS EBIT VS OCF VS FCFCNA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

1.2 Ratios

With a Return On Assets value of 1.94%, CNA perfoms like the industry average, outperforming 46.10% of the companies in the same industry.
CNA's Return On Equity of 12.13% is in line compared to the rest of the industry. CNA outperforms 51.77% of its industry peers.
Industry RankSector 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
CNA Yearly ROA, ROE, ROICCNA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

CNA's Profit Margin of 9.26% is in line compared to the rest of the industry. CNA outperforms 57.45% of its industry peers.
CNA's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 12.67%, CNA is in line with its industry, outperforming 53.90% of the companies in the same industry.
CNA's Operating Margin has improved in the last couple of years.
Industry RankSector 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
CNA Yearly Profit, Operating, Gross MarginsCNA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

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3

2. Health

2.1 Basic Checks

CNA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CNA remains at a similar level compared to 1 year ago.
The number of shares outstanding for CNA remains at a similar level compared to 5 years ago.
CNA has a worse debt/assets ratio than last year.
CNA Yearly Shares OutstandingCNA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M 250M
CNA Yearly Total Debt VS Total AssetsCNA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B

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.
Looking at the Debt to FCF ratio, with a value of 1.29, CNA is in the better half of the industry, outperforming 60.28% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that CNA is not too dependend on debt financing.
The Debt to Equity ratio of CNA (0.28) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 1.29
Altman-Z N/A
ROIC/WACCN/A
WACC8.21%
CNA Yearly LT Debt VS Equity VS FCFCNA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CNA Yearly Current Assets VS Current LiabilitesCNA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2017 2019 2020 2021 2022 2023 200M 400M 600M

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5

3. Growth

3.1 Past

CNA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.62%, which is quite good.
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.
The Revenue has grown by 9.18% in the past year. This is quite good.
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

CNA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.00% yearly.
The Revenue is expected to grow by 1.12% on average over the next years.
EPS Next Y2.22%
EPS Next 2Y6.27%
EPS Next 3Y8%
EPS Next 5YN/A
Revenue Next Year-10.98%
Revenue Next 2Y-1.55%
Revenue Next 3Y1.12%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CNA Yearly Revenue VS EstimatesCNA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2B 4B 6B 8B 10B
CNA Yearly EPS VS EstimatesCNA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.96 indicates a reasonable valuation of CNA.
Compared to the rest of the industry, the Price/Earnings ratio of CNA indicates a somewhat cheap valuation: CNA is cheaper than 66.67% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. CNA is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.17 indicates a reasonable valuation of CNA.
Based on the Price/Forward Earnings ratio, CNA is valued a bit cheaper than 65.96% of the companies in the same industry.
CNA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.44.
Industry RankSector Rank
PE 9.96
Fwd PE 9.17
CNA Price Earnings VS Forward Price EarningsCNA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CNA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CNA is cheaper than 64.54% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CNA indicates a somewhat cheap valuation: CNA is cheaper than 68.09% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.73
EV/EBITDA 8.44
CNA Per share dataCNA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CNA does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.5
PEG (5Y)1.15
EPS Next 2Y6.27%
EPS Next 3Y8%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.61%, CNA has a reasonable but not impressive dividend return.
CNA's Dividend Yield is rather good when compared to the industry average which is at 2.99. CNA pays more dividend than 80.85% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.28, CNA pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.61%

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
CNA Yearly Dividends per shareCNA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3

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 Yearly Income VS Free CF VS DividendCNA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B
CNA Dividend Payout.CNA Dividend Payout, showing the Payout Ratio.CNA Dividend Payout.PayoutRetained Earnings

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CNA FINANCIAL CORP

NYSE:CNA (1/21/2025, 8:04:00 PM)

After market: 48.8 0 (0%)

48.8

-0.06 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2024-11-04/bmo
Earnings (Next)02-10 2025-02-10/amc
Inst Owners99.69%
Inst Owner Change0.01%
Ins Owners0.43%
Ins Owner Change-0.03%
Market Cap13.22B
Analysts46
Price Target51 (4.51%)
Short Float %0.34%
Short Ratio3.57
Dividend
Industry RankSector Rank
Dividend Yield 3.61%
Yearly Dividend2.91
Dividend Growth(5Y)-2.55%
DP78.16%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)0%
PT rev (3m)2.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.65%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)14.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.32%
Valuation
Industry RankSector Rank
PE 9.96
Fwd PE 9.17
P/S 0.94
P/FCF 5.73
P/OCF 5.53
P/B 1.23
P/tB 1.25
EV/EBITDA 8.44
EPS(TTM)4.9
EY10.04%
EPS(NY)5.32
Fwd EY10.9%
FCF(TTM)8.52
FCFY17.46%
OCF(TTM)8.82
OCFY18.07%
SpS52.02
BVpS39.72
TBVpS39.18
PEG (NY)4.5
PEG (5Y)1.15
Profitability
Industry RankSector 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 RankSector 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
WACC8.21%
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 Y2.22%
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 Year-10.98%
Revenue Next 2Y-1.55%
Revenue Next 3Y1.12%
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%