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CNA Financial Corporation(CNA)

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ADVISORIES YOU CAN VERIFY
QUALITY SIGNAL
1-STAR RATING
PASS
LAST CLOSE
$47.47
09/22/2026
(24-hour delay)

Advisory History & Simulated Performance *

*as per simulation (see disclosures)
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  • BUY Advisory
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  • SELL Advisory (Loss)
  • Profit
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Advisory Performance History (Simulated)Advisory Performance History info

Upturn Advisory & Investor View for CNA

09/22/2026: CNA (1-star) is currently NOT-A-BUY. Pass it for now.

How to Read the Upturn Advisory

The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.

Company fundamentals, valuation, risks, and news provide supporting context about the business.

Price Behavior

Rolling Over
PRICE PATH

Rolling Over

The price momentum is slowing down and beginning to turn downward.

Smooth
PRICE STABILITY

Smooth

The stock has moved along a generally orderly path with only modest fluctuations.

Analysis of Past Performance

Type Stock
Historic Profit 9.16%
Avg. Invested days 49
Today’s Advisory PASS
Upturn Advisory Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 3.0
Stock Returns Performance Upturn Returns Performance icon 2.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 09/22/2026

Upturn Scorecard

Upturn Star Rating

CNA receives a 3-star rating, supported by available scored pillars. The rating is constrained by soft analyst coverage, weak price momentum, and limited analyst upside.

Company Fundamentals

CNA has moderate overall fundamentals (3 stars), with moderate financial health, moderate growth momentum, and moderate ownership. In FY2025 versus FY2024, solid earnings growth (+33.3%) and strong cash generation (FCF margin 16.3%) are partially offset by moderate revenue growth (+5.1%), soft profitability (net margin 8.7%), very low insider ownership of 0.48%.

Financial Health Rating

CNA's financial health is supported by strong cash strength, including free-cash-flow generation of $2.4B (16.3% of revenue). Profitability is moderate (3 stars), which helps explain the 3-star overall score.

Growth Momentum Score

Earnings growth is CNA's strongest growth driver at +33.3% FY2025 versus FY2024 (solid, 4 stars). By comparison, while free-cash-flow growth (-2.9%, slightly negative) holds the profile back, so recent growth is not broad-based across the business.

Ownership

Institutional ownership is 100.8% and approximately 7.6% of outstanding shares are publicly tradable, supporting liquidity and institutional participation. Insider ownership is only 0.48%, which materially reduces the ownership score.

Top 5 Institutional Investors

Loews Corp 91.80%
AQR Capital Management LLC 1.12%
BlackRock Inc 0.66%
First Trust Advisors L.P. 0.39%
Two Sigma Investments LLC 0.30%

Unit Economics (Per $1K Revenue)

CNA generates approximately $307 of gross profit, $110 of operating income, and $163 of free cash flow for every $1,000 of revenue. Based on FY2025 results. Strong cash conversion and healthy margins support the rating, although capital efficiency remains below the highest tier.

Economic Dimensions

Effective Tax Rate: 21.11%

Quantitative Style Profile

CNA has a large-cap, relatively low-volatility profile. Weak momentum is the primary drawback.

Style Classification

Quality Focused

Value-OrientedLow VolatilityLarge / Mega Cap StabilityShort Squeeze Risk

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 12.93B USD
Price to earnings Ratio 10.53
1Y Target Price 49
Price to earnings Ratio 10.53
1Y Target Price 49
Volume (30-day avg) 453.5K shares
Beta 0.28
52 Weeks Range 40.32 - 55.19
Updated Date 09/21/2026
52 Weeks Range 40.32 - 55.19
Updated Date 09/21/2026
Dividends yield (FY) 3.92%
Basic EPS (TTM) 4.54

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Revenue by Geography

Geography revenue - Year on Year

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Valuation

Trailing PE 10.53
Forward PE 10.35
Enterprise Value 15.63B
Price to Sales(TTM) 0.85
Enterprise Value 15.63B
Price to Sales(TTM) 0.85
Enterprise Value to Revenue 1.05
Enterprise Value to EBITDA -
Shares Outstanding 270.60M
Shares Floating 20.58M
Shares Outstanding 270.60M
Shares Floating 20.58M
Percent Insiders 0.48
Percent Institutions 100.81

Financial Metrics

🧭 Investment Snapshot

Total Revenue (Scale)

Information icon Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.

Net Income (Profit)

Information icon Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.

Free Cash Flow (Cash Strength)

Information icon Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.

📈 Growth & Strength

Operating Income (Core Profit)

Information icon Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.

EBITDA (Cash Earnings)

Information icon Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.

Gross Profit (Unit Profitability)

Information icon Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.

🛡️ Financial Safety

Cash (Liquidity Buffer)

Information icon Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.

Total Debt (Leverage Risk)

Information icon Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.

Net Working Capital (Short-Term Health)

Information icon Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.

🧱 Balance Sheet Strength

Stockholder Equity (Net Worth)

Information icon Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.

Total Assets (Asset Base)

Information icon The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.

Income Before Tax (Pre-Tax Earnings)

Information icon Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.

⚙️ Cost & Drag Factors

Cost of Revenue (Production Cost)

Information icon Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.

Total Operating Expenses (Operating Cost)

Information icon Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.

Income Tax Expense (Tax Drag)

Information icon Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.

About CNA Financial Corporation

Exchange NYSE
Headquarters Chicago, IL, United States
IPO Launch date 1985-07-11
President, CEO & Chairman Mr. Douglas Merle Worman B.A.
Sector Financial Services
Industry Insurance - Property & Casualty
Full time employees 6600
Full time employees 6600

CNA Financial Corporation, an insurance holding company, primarily provides commercial property and casualty insurance products in the United States, Canada, the United Kingdom, Continental Europe, and internationally. It operates through Specialty, Commercial, International, and Life & Group segments. The company offers professional liability coverage 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 coverage 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 a run-off long-term care business. The company was founded in 1853 and is based in Chicago, Illinois. CNA Financial Corporation is a subsidiary of Loews Corporation.