CNA Financial Corporation Common Stock (CNA)

FairStock Score: 72/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach CNA as a Graham-style insurer: a steady commercial property-and-casualty underwriter selling not far above book. At the 2026-10-13 close of $46.73, FairStock calculates a P/E of 10.29 and P/B of 1.13. With a FairStock-calculated ROE of 11.32%, the market is not paying a rich multiple for average-to-good returns. The 4.00% dividend yield and beta of 0.28 suggest a defensive, income-oriented security, though low beta is not the same as low underwriting risk. Filed results show lumpy but decent earnings: in fiscal FY2025 (year ended 2025-12-31) net income was $1.3 billion and diluted EPS $4.69; in fiscal FY2024 net income was $959.0 million and diluted EPS $3.52. In fiscal Q2 2026 (quarter ended 2026-06-30), net income was $321.0 million and diluted EPS $1.18. FairStock’s Lynch category is Stalwart, based on the given five-year profit growth of 13.1% a year and revenue growth of 4.7%, which sounds about right: a slow-grinding commercial insurer, not a compounder. Balance sheet leverage, as measured by D/E of 0.27, looks manageable, and Piotroski 6/9 is neutral-to-positive. The main gap is underwriting evidence: no combined ratio is provided, nor CET1 or NIM. For an insurer, the combined ratio tells me whether premiums are being written profitably after losses and expenses. Without it, I can call the price reasonable but cannot fully judge the moat. FairStock Score 72/100 and PEG 1.40 imply fair value, not a bargain.

In plain English: CNA Financial is an insurance company that sells property and casualty coverage to businesses, mainly in the United States and abroad. It looks like a steady, profitable business: it earns money, carries moderate debt, and pays a sizable dividend, though it is not growing quickly. The shares look reasonably priced compared with its profits and accounting net worth, not obviously expensive.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer