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CNA Financial CNA Commercial Auto — Year 3

Other product segments

Surety
12.9%-21.3%

Similar metrics at other companies

Cincinnati Financial logo
CINFCommercial Auto Line — 2
19.2%-0.1pp
Cincinnati Financial logo
CINFCommercial Auto Line — 3
14.3%-0.9pp
The Hartford Financial Services Group logo
HIGCommercial automobile physical damage — 3rd Year
0.4%+0.3pp
The Hartford Financial Services Group logo
HIGAutomobiles — 3rd Year
37.2%+0.8pp
LTR
LTRCommercial Auto — Shortduration Insurance Contracts Historical Claims Duration Year Three
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LTR
LTRCommercial auto — Short-duration Insurance Contracts, Historical Claims Duration, Year Three
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Other financials

Income statement

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Revenue$3.7B+1.4%
Net income$211.0M-23.0%
EPS (diluted)$0.78-22.0%

Balance sheet

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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

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Operating cash flow$393.0M-38.4%
CapEx$13.0M-27.8%
Free cash flow$380.0M-38.7%

Valuation

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Market cap$12.04B-9.7%
Enterprise value$14.49B-8.4%
P/E9.9×-5.0×
P/S0.8×-0.1×

Profitability

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Net margin8.1%+1.9pp
FCF margin14.4%-3.7pp

Returns & leverage

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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

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Questions, answered.

What is CNA Financial's commercial auto — year 3?
CNA Financial (CNA) reported commercial auto — year 3 of 19.1% in Q4 2025.
How has CNA Financial's commercial auto — year 3 changed year-over-year?
CNA Financial's commercial auto — year 3 increased by 3.8% year-over-year, from 18.4% to 19.1%.
What does commercial auto — year 3 mean?
The claims development or financial results for the third year of commercial auto insurance policies.
How do you interpret commercial auto — year 3?
Consistent results in the third year suggest that the company has a reliable handle on its long-term claim liabilities.
How does commercial auto — year 3 compare across companies?
Standard actuarial benchmark for evaluating the maturity of insurance portfolios.