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Upturn AI SWOT - About
CNA 
CNA Financial Corporation (CNA)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -6.24% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 13.75B USD | Price to earnings Ratio 14.45 | 1Y Target Price 48 |
Price to earnings Ratio 14.45 | 1Y Target Price 48 | ||
Volume (30-day avg) 450190 | Beta 0.68 | 52 Weeks Range 40.78 - 51.40 | Updated Date 04/1/2025 |
52 Weeks Range 40.78 - 51.40 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.62% | Basic EPS (TTM) 3.52 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.72% | Operating Margin (TTM) 1.44% |
Management Effectiveness
Return on Assets (TTM) 1.28% | Return on Equity (TTM) 9.4% |
Valuation
Trailing PE 14.45 | Forward PE - | Enterprise Value 14433440768 | Price to Sales(TTM) 0.96 |
Enterprise Value 14433440768 | Price to Sales(TTM) 0.96 | ||
Enterprise Value to Revenue 1.15 | Enterprise Value to EBITDA - | Shares Outstanding 270161984 | Shares Floating 20200863 |
Shares Outstanding 270161984 | Shares Floating 20200863 | ||
Percent Insiders 0.39 | Percent Institutions 99.55 |
Analyst Ratings
Rating 2.5 | Target Price 49.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell 1 | Strong Sell - | |
Strong Sell - |
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. Over the years, it has evolved into a major commercial property and casualty insurance provider. It became part of Loews Corporation in 1974.
Core Business Areas
- Commercial: Offers a wide array of property and casualty insurance products and services for businesses and organizations. This includes standard commercial coverages like property, casualty, and workers' compensation.
- Specialty: Provides specialized insurance solutions tailored to specific industries and risks, such as healthcare, technology, and financial institutions.
- International: Delivers insurance solutions and related services to businesses with international operations.
Leadership and Structure
CNA Financial Corporation is led by Dino E. Robusto, Chairman and Chief Executive Officer. The company operates under a hierarchical structure with various executive leadership teams responsible for different business segments and functions.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Provides coverage for damage or loss to commercial property due to events like fire, weather, or theft. CNA's market share in this area is competitive but not dominant. Competitors include Chubb, Travelers, and AIG. Revenue for this product is not easily discernible, as it's bundled within the Commercial segment. Market Share Estimated around 3-5%.
- Commercial Casualty Insurance: Covers liability claims against businesses for bodily injury, property damage, or other losses. CNA competes with Liberty Mutual, Zurich, and Hartford. Market Share Estimated around 3-5%.
- Workers' Compensation Insurance: Provides coverage for employee injuries or illnesses sustained on the job. CNA competes with Travelers, Hartford and Zurich. Market Share Estimated around 3-5%.
- Surety Bonds: Surety bonds offer guarantees that a project or contractual obligation will be fulfilled. Key competitors include Travelers and Hartford. Market share is relatively small. Revenue is part of the specialty business segment.
Market Dynamics
Industry Overview
The commercial property and casualty insurance industry is highly competitive and subject to economic cycles, regulatory changes, and catastrophic events. It's characterized by pricing pressures and the need for innovative product development.
Positioning
CNA Financial Corporation is a well-established player in the commercial property and casualty insurance market, known for its underwriting expertise and financial strength. It focuses on providing specialized solutions and building strong relationships with brokers.
Total Addressable Market (TAM)
The global commercial insurance market is estimated at ~$900 Billion. CNA Financial is well positioned to capture growth by serving its target markets and verticals
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Underwriting expertise
- Established distribution network
- Financial stability
- Focus on specialized solutions
Weaknesses
- Exposure to catastrophic events
- Sensitivity to economic cycles
- Competition in pricing
- Legacy IT systems
- Geographic concentration (primarily US)
Opportunities
- Expansion into emerging markets
- Development of new insurance products
- Leveraging technology for improved efficiency
- Acquisitions of complementary businesses
- Growth in demand for specialized insurance solutions
Threats
- Increased competition
- Regulatory changes
- Cybersecurity risks
- Climate change and extreme weather events
- Interest rate fluctuations
Competitors and Market Share
Key Competitors
- TRV
- CB
- AIG
- WRB
- HIG
- ALL
Competitive Landscape
CNA Financial Corporation faces intense competition from larger and more diversified players. Its strengths lie in its underwriting expertise and specialized solutions, but it needs to innovate and adapt to changing market conditions to maintain its competitive position.
Major Acquisitions
Hardy Underwriting Bermuda
- Year: 2012
- Acquisition Price (USD millions): 309
- Strategic Rationale: Expanded CNA's specialty insurance capabilities and international presence.
Growth Trajectory and Initiatives
Historical Growth: CNA's historical growth has been steady, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates vary, but generally project moderate revenue growth and improved profitability driven by underwriting discipline and cost management. Future projections should be verified by analyst reports.
Recent Initiatives: Recent initiatives include investments in technology, expansion of specialized insurance offerings, and strengthening of distribution partnerships.
Summary
CNA Financial Corporation is a well-established player in the commercial property and casualty insurance market with strong underwriting expertise. Its financial stability and specialized solutions are key strengths. However, it faces competition from larger players and exposure to economic cycles and catastrophic events. To maintain its competitive position, CNA needs to continue innovating and adapting to changing market conditions.
Similar Companies
AIG
American International Group Inc
AIG
American International Group Inc
ALL
The Allstate Corporation
ALL
The Allstate Corporation
CB
Chubb Ltd
CB
Chubb Ltd
HIG
Hartford Financial Services Group
HIG
Hartford Financial Services Group
PGR
Progressive Corp
PGR
Progressive Corp
TRV
The Travelers Companies Inc
TRV
The Travelers Companies Inc
WRB
W. R. Berkley Corp
WRB
W. R. Berkley Corp
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Analyst Estimates (where available)
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Actual results may vary. Market share data is approximate and based on available information from various sources.
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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