US · CNA
CNA Financial Corporation
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Chicago, IL 60606
- Website
- cna.com
Price · as of 2025-12-31
$48.04
Market cap 13B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $36.24 | -24.56% |
| Intrinsic Value(DCF) | $32.42 | -32.51% |
| Graham-Dodd Method(GD) | $7.96 | -83.43% |
| Graham Formula(GF) | $61.78 | +28.59% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $10.99 | $103.53 | $26.69 | $48.26 | $12.39 |
| 2012 | $12.42 | $35.80 | $38.70 | $47.77 | $29.21 |
| 2013 | $17.42 | $33.85 | $39.61 | $51.69 | $48.19 |
| 2014 | $17.96 | $25.10 | $39.53 | $29.57 | $14.94 |
| 2015 | $15.08 | $26.31 | $35.61 | $6.79 | $4.24 |
| 2016 | $22.77 | $38.00 | $36.31 | $14.51 | $34.95 |
| 2017 | $29.65 | $40.18 | $36.93 | $14.61 | $32.67 |
| 2018 | $25.66 | $41.41 | $36.08 | $6.25 | $42.10 |
| 2019 | $27.50 | $24.10 | $26.39 | $11.53 | $51.77 |
| 2020 | $31.50 | $23.29 | $26.47 | $6.48 | $18.71 |
| 2021 | $32.86 | $32.61 | $0.19 | $34.11 | $68.75 |
| 2022 | $31.19 | $32.47 | $0.00 | $0.00 | $27.62 |
| 2023 | $37.25 | $41.73 | $40.57 | $14.62 | $80.30 |
| 2024 | $44.62 | $26.05 | $9.21 | $0.00 | $51.05 |
| 2025 | $49.58 | $36.24 | $23.63 | $7.96 | $61.78 |
AI valuation
Our deep-learning model estimates CNA Financial Corporation's (CNA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $36.24
- Current price
- $48.04
- AI upside
- -24.56%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$32.42
-32.51% upside
Graham-Dodd
$7.96
-83.43% upside
Graham Formula
$61.78
+28.59% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CNA | CNA Financial Corporation | $48.04 | 13B | -25% | -33% | -83% | +29% | 10.52 | 1.16 | 0.91 | 7.49 | 31.64 | 1.28 | 30.73% | 11.01% | 8.69% | 11.55% | 12.16% | 1.88% | 0.26 | 12.00 | — | — | 1.40 | 3324.00% | 510.00% | -291.00% | 17.89% | — | 22.87% | 7.79% | 81.90% | 8.04% | 8.44 | 5.69 | 0.93 | 0.68 |
| AEG | Aegon Ltd. | $7.50 | 11.36B | +109% | +560% | -65% | +201% | 15.96 | 1.15 | 0.54 | -67.18 | — | 1.22 | 100.00% | 3.37% | 3.52% | 7.89% | -3.69% | 0.21% | 0.54 | 109.50 | 4.14 | 8.47 | 2.40 | -35000.00% | 5040.00% | -1101.00% | 6.75% | 0.10 | -3.99% | 4.95% | 78.90% | 13.73% | -64.93 | -60.00 | -2.19 | 0.19 |
| AFG | American Financial Group,… | $132.98 | 11.09B | +17% | -43% | — | -47% | 13.39 | 2.34 | 1.38 | -3.55 | — | 2.71 | 46.32% | 13.13% | 10.30% | 18.13% | -30.16% | 2.92% | 0.38 | 13.41 | — | — | -13.32 | -464.00% | -126.00% | 2135.00% | 12.40% | — | -50.08% | 5.38% | 72.00% | 146.92% | -3.81 | -2.93 | -0.50 | 1.42 |
| BSAC | Banco Santander-Chile | $33.91 | 15.98B | -18% | -27% | -35% | — | 14.17 | 3.16 | 6.47 | — | 60.57 | 3.23 | 100.00% | 59.43% | 45.67% | 21.12% | 9.04% | 1.54% | 2.18 | — | — | — | — | 2340.00% | -5297.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 8.76% | 16.95 | — | 10.07 | 0.29 |
| FHN | First Horizon Corporation | $23.79 | 11.71B | +134% | +2% | -36% | -24% | 12.07 | 1.34 | 2.38 | 8.84 | 31.56 | 1.64 | 67.32% | 25.70% | 19.72% | 11.13% | 15.06% | 1.18% | 0.52 | 0.82 | 0.96 | 0.95 | 2.70 | 3824.00% | 97.00% | -4869.00% | 5.29% | 0.01 | 9.46% | 2.65% | 31.90% | 10.39% | 9.22 | 18.81 | 2.37 | 0.25 |
| KNSL | Kinsale Capital Group, In… | $389.67 | 9.07B | -22% | +195% | -53% | +42% | 18.20 | 4.68 | 4.89 | 14.17 | 83.63 | 4.69 | 52.47% | 33.85% | 26.87% | 29.25% | 57.06% | 9.54% | 0.11 | 59.58 | 0.35 | 0.36 | 0.09 | 2177.00% | 1804.00% | 396.00% | 10.80% | 1.28 | 112.18% | 0.17% | 3.10% | 1.26% | 14.54 | 9.32 | 4.92 | 2.50 |
| ORI | Old Republic Internationa… | $42.87 | 10.61B | -36% | -18% | -35% | +62% | 11.21 | 1.78 | 1.16 | 9.57 | 74.11 | 1.78 | 50.35% | 13.02% | 10.30% | 16.25% | 16.51% | 3.24% | 0.27 | 16.88 | — | — | 1.07 | 1512.00% | 1041.00% | -10011.00% | -0.01% | — | -0.02% | 2.38% | 26.70% | 4.13% | 10.00 | -8448.89 | 1.30 | 1.08 |
| RGA | Reinsurance Group of Amer… | $215.73 | 14.18B | -21% | +236% | +11% | -6% | 12.13 | 1.07 | 0.63 | 8.15 | 18.70 | 1.07 | 25.40% | 6.76% | 5.19% | 9.74% | 8.64% | 0.86% | 0.42 | 4.21 | — | — | 0.79 | 6486.00% | 339.00% | -5634.00% | 28.53% | — | 29.71% | 1.67% | 20.30% | 4.10% | 10.31 | 3.88 | 0.70 | 0.40 |
| RNR | RenaissanceRe Holdings Lt… | $302.46 | 13.17B | +18% | +2,428% | +72% | +238% | 3.81 | 1.19 | 1.08 | -4.07 | 6.26 | 1.46 | 40.66% | 31.49% | 21.04% | 32.62% | -56.67% | 6.92% | 0.20 | 33.21 | 5.03 | 4.92 | 0.14 | 6081.00% | 945.00% | -1133.00% | 26.81% | 0.41 | -57.85% | 0.80% | 3.00% | 12.41% | -4.20 | -4.56 | -1.32 | 1.82 |
| UNM | Unum Group | $71.73 | 12B | -38% | -60% | -20% | -40% | 16.84 | 1.12 | 0.95 | 12.79 | — | 1.16 | 38.22% | 7.15% | 5.66% | 6.69% | 5.00% | 1.17% | 0.35 | 4.47 | — | — | 2.96 | -5476.00% | 207.00% | -5997.00% | 4.46% | — | 3.76% | 2.46% | 41.50% | 10.58% | 17.34 | 29.14 | 1.24 | 0.71 |
About CNA Financial Corporation
CNA Financial Corporation provides commercial property and casualty insurance products primarily in the United States. It operates through Specialty, Commercial, International, Life & Group, and Corporate & Other 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, employment practices, fiduciary, and fidelity 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 standard property and casualty coverages for healthcare industry; surety and fidelity bonds; and warranty and alternative risks products. It also provides property insurance products, such as property, marine, boiler, and machinery coverages; casualty insurance products comprising workers' compensation, general and product liability, commercial auto, and umbrella coverages; specialized loss-sensitive insurance programs and total risk management services; and run-off long term care policies. In addition, the company offers long-tail exposures comprising commercial automobile liability, workers' compensation, general and medical professional liability, other professional and management liability, and assumed reinsurance run-off and products liability; and short-tail exposures, such as property, commercial automobile physical damage, marine, and surety. It markets its products through independent agents, brokers, and general underwriters to small, medium, and large businesses; insurance companies; associations; professionals; and other groups in the marine, oil and gas, construction, manufacturing, life science, property, financial services, healthcare, and technology industries. The company was founded in 1853 and is headquartered in Chicago, Illinois. CNA Financial Corporation operates as a subsidiary of Loews Corporation.
- CEO
- Douglas Merle Worman
- Employees
- 6.5K
- Beta
- 0.36
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($32.42 ÷ $48.04) − 1 = -32.51% (DCF, example).