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CNA FINANCIAL CORPORATION

CNA

CIK 0000021175 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$3.83B
↑+3.8% +$139Mvs FY2024 (Q4)
Operating Income
$1.26B
↑+42.3% +$374Mvs FY2024 (Q4)
Net Income
$302M
↑+1338.1% +$281Mvs FY2024 (Q4)
Gross Profit
$1.69B
↑+1.1% +$18Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
20/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    87D/E 0.26 (under 0.5 = conservative)
  • Efficiency
    2Asset Turnover 0.22x (1.0+ = capital-efficient)
  • Growth
    29Revenue YoY +3.8% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project CNA's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

3%

Trailing 3-yr CAGR was -0.6%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$123.20
Total enterprise IV
$33.56B
Diluted shares
0.27B
Terminal PV
$23.65B (70% of total)
Year-5 FCF
$2.79B
YearProjected FCFDiscounted PV
+1$2.48B$2.25B
+2$2.55B$2.11B
+3$2.63B$1.97B
+4$2.71B$1.85B
+5$2.79B$1.73B
Terminal$38.09B$23.65B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$86M
investment in PP&E
Dividends paid (TTM)
$1.05B
cash returned to holders
Stock buybacks (TTM)
$34M
share count reduction

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$69.44B
everything owned
Total liabilities
$57.82B
everything owed
Stockholders' equity
$11.62B
shareholder claim
Long-term debt
$2.97B
outstanding bonds + loans

Recent performance · 65 quarters

Revenue↑+3.8% +$139M
$3.83B
Net Income↑+1338.1% +$281M
$302M
Free Cash Flow↓-18.5% -$123M
$542M

Drill down

CNA Sankey

See CNA FINANCIAL CORPORATION's revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

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CNA Charts

65 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

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CNA Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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