What is CNA Financial's commercial auto — IBNR?

CNA Financial (CNA) reported commercial auto — IBNR of 108,500,000,000% in Q4 2025.

How has CNA Financial's commercial auto — IBNR changed year-over-year?

CNA Financial's commercial auto — IBNR increased by 32.3% year-over-year, from 82,000,000,000% to 108,500,000,000%.

What does commercial auto — IBNR mean?

The estimated amount reserved for claims that have happened but the company does not know about yet.

How do you interpret commercial auto — IBNR?

Significant changes in IBNR estimates can signal shifts in actuarial assumptions or unexpected changes in claim reporting patterns.

How does commercial auto — IBNR compare across companies?

A fundamental actuarial metric used by all insurance companies to ensure reserve adequacy.

CNA Financial CNA Commercial Auto — IBNR

Other product segments

Surety

45,600,000,000%+6.8%

Similar metrics at other companies

WRBAuto — Short-duration insurance contracts, incurred but not reported (IBNR) claims liability, net

$603.27M+5.9%

CINFProperty And Casualty Commercial Insurance Product Line — Shortduration Insurance Contracts Incurred But Not Reported Ibnr Claims Liability Net

$406M+6.6%

HIGCommercial automobile physical damage — IBNR Reserves

$7M-12.5%

ALLAuto insurance - liability coverage — IBNR reserves plus expected development on reported claims

$10.64B-0.3%

CINFProperty And Casualty Personal Insurance Product Line — Shortduration Insurance Contracts Incurred But Not Reported Ibnr Claims Liability Net

$64M+16.4%

LTR

LTRCommercial auto — IBNR

——

Other financials

Income statement

See full

Revenue$3.7B+1.4%

Net income$211.0M-23.0%

EPS (diluted)$0.78-22.0%

Balance sheet

See full

Cash & equivalents$522.0M+8.1%

Total debt$3.0B-0.1%

Total equity$10.9B+5.6%

Total assets$68.6B+1.8%

Cash flow

See full

Operating cash flow$393.0M-38.4%

CapEx$13.0M-27.8%

Free cash flow$380.0M-38.7%

Valuation

See full

Market cap$12.04B-9.7%

Enterprise value$14.49B-8.4%

P/E9.9×-5.0×

P/S0.8×-0.1×

Profitability

See full

Net margin8.1%+1.9pp

FCF margin14.4%-3.7pp

Returns & leverage

See full

Return on equity11.5%+2.5pp

Debt / equity0.3×0.0×

Where this comes from

Reported directly by CNA Financial in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

The official record: CNA Financial’s 10-K, filed February 10, 2026, on SEC EDGAR. View the filing →

Ask your AI about CNA Financial's commercial auto — ibnr.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is CNA Financial's commercial auto — IBNR?: CNA Financial (CNA) reported commercial auto — IBNR of 108,500,000,000% in Q4 2025.
How has CNA Financial's commercial auto — IBNR changed year-over-year?: CNA Financial's commercial auto — IBNR increased by 32.3% year-over-year, from 82,000,000,000% to 108,500,000,000%.
What does commercial auto — IBNR mean?: The estimated amount reserved for claims that have happened but the company does not know about yet.
How do you interpret commercial auto — IBNR?: Significant changes in IBNR estimates can signal shifts in actuarial assumptions or unexpected changes in claim reporting patterns.
How does commercial auto — IBNR compare across companies?: A fundamental actuarial metric used by all insurance companies to ensure reserve adequacy.