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CNA Financial CNA Q4 2025 Annual earnings

Reported February 9, 2026 · Before market open

Revenue$3.8BBeat by $875.0MDiluted EPS$1.16Miss by $0.04
Revenue estimate$2.9B
EPS estimate$1.20

Next report

Aug 3, 2026 (In 3 weeks)
Revenue estimate$3.0B
EPS estimate$1.02

Financials

Q4 2025

Income statement

See full
Revenue$3.8B+3.8%
Net income$302.0M+1,338%
EPS (diluted)$1.11+1,287%

Balance sheet

See full
Cash & equivalents$425.0M-10.0%
Total debt$3.2B-0.7%
Total equity$11.6B+10.5%
Total assets$69.4B+4.4%

Cash flow

See full
Operating cash flow$570.0M-18.9%
CapEx$28.0M-26.3%
Free cash flow$542.0M-18.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$12.92B-1.4%
Enterprise value$15.69B-1.0%
P/E10.1×-3.5×
P/S0.9×-0.1×

Profitability

See full
Net margin8.5%+1.8pp
FCF margin16%-1.3pp

Returns & leverage

See full
Return on equity11.5%+2.1pp
Debt / equity0.3×0.0×

Segments

By product

See full
Management & Professional Liability$805.0M+2.8%
Construction$526.0M-1.1%
Middle Markets$495.0M+5.8%
Other Commercial$483.0M+13.9%
Warranty & Alternative Risks$434.0M-2.0%

By segment

See full
Commercial$1.7B+4.8%
Specialty$1.5B+1.7%
International$375.0M+5.6%
Life & Group$332.0M-1.8%
Corporate & Other$21.0M+16.7%

Versus estimates

Revenue

Q1 2026$2.6BMiss by $330.0M
Q4 2025$3.8BBeat by $875.0M
Q3 2025$3.7BBeat by $914.0MQ2 2025$3.7BBeat by $958.0MQ1 2025$3.6BBeat by $948.0MQ4 2024$3.6BMiss by $91.0M

Diluted EPS

Q1 2026$0.83Miss by $0.66
Q4 2025$1.16Miss by $0.04
Q3 2025$1.50Beat by $0.25Q2 2025$1.23Beat by $0.29Q1 2025$1.03Miss by $0.11Q4 2024$1.25Beat by $0.14

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Questions, answered.

When did CNA Financial report Q4 2025 earnings?
CNA Financial (CNA) reported Q4 2025 earnings on February 9, 2026 before market open.
What were CNA Financial's Q4 2025 revenue and EPS?
CNA Financial reported revenue of $3.8B and diluted EPS of $1.16 for Q4 2025.
Did CNA Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $2.9B by $875.0M. EPS missed the consensus estimate of $1.20 by $0.04.
How did CNA Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.0% from $3.6B a year earlier and diluted EPS declined 7.2% from $1.25.
Where can I find CNA Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000021175-26-000008) and the 10-K periodic report (0000021175-26-000011) directly on SEC EDGAR. The filing index links above go to sec.gov.