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Upturn AI SWOT - About
CNA 
CNA Financial Corporation (CNA)
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Upturn Advisory Summary
10/31/2025: CNA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $45
1 Year Target Price $45
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.7% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 12.06B USD | Price to earnings Ratio 13.84 | 1Y Target Price 45 |
Price to earnings Ratio 13.84 | 1Y Target Price 45 | ||
Volume (30-day avg) 1 | Beta 0.5 | 52 Weeks Range 42.87 - 50.37 | Updated Date 10/31/2025 |
52 Weeks Range 42.87 - 50.37 | Updated Date 10/31/2025 | ||
Dividends yield (FY) 4.03% | Basic EPS (TTM) 3.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.99% | Operating Margin (TTM) 11.06% |
Management Effectiveness
Return on Assets (TTM) 1.15% | Return on Equity (TTM) 8.54% |
Valuation
Trailing PE 13.84 | Forward PE - | Enterprise Value 15093208163 | Price to Sales(TTM) 0.82 |
Enterprise Value 15093208163 | Price to Sales(TTM) 0.82 | ||
Enterprise Value to Revenue 1.05 | Enterprise Value to EBITDA - | Shares Outstanding 270665399 | Shares Floating 20741090 |
Shares Outstanding 270665399 | Shares Floating 20741090 | ||
Percent Insiders 0.36 | Percent Institutions 99.61 |
Upturn AI SWOT
CNA Financial Corporation
Company Overview
History and Background
CNA Financial Corporation was founded in 1897 as the Continental Assurance Company of North America. It evolved through mergers and acquisitions to become a leading commercial property and casualty insurance provider.
Core Business Areas
- Commercial: Provides a broad range of property and casualty insurance products and services to businesses and organizations.
- Specialty: Offers specialized insurance solutions tailored to specific industries or risks, including professional liability, healthcare, and surety bonds.
- International: Provides insurance solutions to businesses with international operations, primarily through operations in Canada and Europe.
Leadership and Structure
CNA Financial Corporation is led by a Chief Executive Officer and a senior management team. The organizational structure includes various departments responsible for underwriting, claims, finance, and other key functions. Al Miralles is the current CEO as of October 2023. The company operates with a decentralized business unit structure.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Provides coverage for physical damage to commercial properties. Competitors include Chubb, Travelers, and Hartford Financial. Market share data is fragmented but estimates put CNA as one of the top 10 providers.
- General Liability Insurance: Covers businesses against claims of bodily injury or property damage. Competitors include Liberty Mutual, AIG, and Zurich. Market share data is fragmented but estimates put CNA as one of the top 10 providers.
- Professional Liability Insurance: Offers coverage for professionals against errors and omissions claims. Competitors include The Doctors Company, and Coverys. CNA's market share is significant in certain professional segments.
Market Dynamics
Industry Overview
The commercial property and casualty insurance industry is highly competitive and cyclical, influenced by factors such as economic conditions, regulatory changes, and catastrophic events.
Positioning
CNA Financial Corporation is a well-established player in the commercial P&C insurance market. It differentiates itself through its specialized expertise and strong relationships with independent agents and brokers.
Total Addressable Market (TAM)
The global commercial insurance market is estimated to be worth hundreds of billions of dollars. CNA is well-positioned to capture a portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Extensive Distribution Network
- Specialized Expertise
- Solid Financial Position
- Diversified product portfolio
Weaknesses
- Exposure to Catastrophic Events
- Sensitivity to Interest Rate Changes
- Reliance on Independent Agents
- Legacy IT Systems
- Geographic concentration
Opportunities
- Expanding into Emerging Markets
- Developing New Insurance Products
- Leveraging Technology
- Acquiring Smaller Competitors
- Organic expansion through existing channels
Threats
- Increasing Competition
- Regulatory Changes
- Economic Downturn
- Cybersecurity Risks
- Climate Change Impacts
Competitors and Market Share
Key Competitors
- Travelers Companies (TRV)
- Chubb Limited (CB)
- American International Group (AIG)
- Hartford Financial Services (HIG)
Competitive Landscape
CNA Financial Corporation competes with large, well-established insurance companies. Its competitive advantages include its specialized expertise and strong distribution network. Disadvantages include smaller market share compared to major competitors.
Major Acquisitions
Hardy (Bermuda) Holdings, Ltd.
- Year: 2012
- Acquisition Price (USD millions): 308
- Strategic Rationale: Expand CNA's international presence and enhance its specialty insurance capabilities.
Growth Trajectory and Initiatives
Historical Growth: CNA Financial Corporation's growth has been influenced by factors such as market conditions, acquisitions, and organic expansion.
Future Projections: Analyst estimates vary, but CNA Financial Corporation is expected to experience moderate growth in the coming years.
Recent Initiatives: Recent strategic initiatives may include investments in technology, expansion into new markets, and product development.
Summary
CNA Financial Corporation is a stable player in the commercial P&C insurance market, known for its specialized expertise and distribution network. While the company faces strong competition and exposure to external factors, it has opportunities to grow through strategic initiatives. CNA's financial performance is typically solid, but investors should monitor for potential impacts from large claims and economic conditions. The company is expected to perform well, but should look out for competition from incumbents.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- Financial News Providers (e.g., Reuters, Bloomberg)
- SEC Filings (10-K, 10-Q)
- Industry Reports (e.g., IBISWorld)
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is approximate and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CNA Financial Corporation
Exchange NYSE | Headquaters Chicago, IL, United States | ||
IPO Launch date 1985-07-11 | President, CEO & Director Mr. Douglas Merle Worman B.A. | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 6500 | Website https://www.cna.com |
Full time employees 6500 | Website https://www.cna.com | ||
CNA Financial Corporation, an insurance holding company, primarily provides commercial property and casualty insurance products in the United States and internationally. It operates through Specialty, Commercial, International, and Life & Group segments. The company 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, errors and omissions, employment practices, fiduciary, and fidelity and cyber 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 casualty coverages for healthcare industry; surety and fidelity bonds; and warranty and alternative risks products. It also provides property, marine, boiler, and machinery coverage insurance products; casualty insurance products comprising workers' compensation, general and product liability, commercial auto, umbrella, and excess and surplus coverages; specialized loss-sensitive insurance programs and total risk management services; and run-off long term care policies. The company was founded in 1853 and is based in Chicago, Illinois. CNA Financial Corporation operates as a subsidiary of Loews Corporation.
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